DFCU Financial
Headquartered in DEARBORN, MI. Analysis based on 167 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $148.5M.
Total 7(a) loans
167
Total approved
$148.5M
Average loan
$889K
States funded in
2
Charge-off rate
1.05%
FY2020–FY2023 cohort
Paid-in-full rate
31.58%
Average rate
8.35%
Average term
153 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 11 |
| 722511 | Full-Service Restaurants | 10 |
| 812990 | All Other Personal Services | 6 |
| 541611 | Administrative Management and General Management Consulting Services | 5 |
| 713990 | All Other Amusement and Recreation Industries | 4 |
| 624410 | Child Day Care Services | 4 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 4 |
| 812310 | Coin-Operated Laundries and Drycleaners | 4 |
| 238210 | Electrical Contractors | 4 |
| 321911 | Wood Window and Door Manufacturing | 4 |
Top 10 states
| State | Loans |
|---|---|
| FL | 146 |
| MI | 21 |
Top franchise brands financed
25 franchise loans across 19 distinct brands.
| Franchise | Loans |
|---|---|
| Buffalo Wild Wings | 3 |
| Jet's Pizza | 3 |
| Gameday Men's Health/Gameday | 2 |
| Home Instead/Home Instead Seni | 2 |
| Discovery Point | 1 |
| Ace Hardware | 1 |
| ProteinHouse | 1 |
| D1T raining | 1 |
| Culver's ButterBurgers & Froze | 1 |
| Express Oil Change/Tire Engine | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.