United FCU
Headquartered in SAINT JOSEPH, MI. Analysis based on 79 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $90.5M.
Total 7(a) loans
79
Total approved
$90.5M
Average loan
$1.1M
States funded in
17
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
11.11%
Average rate
8.84%
Average term
210 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 721110 | Hotels (except Casino Hotels) and Motels | 10 |
| 722513 | Limited-Service Restaurants | 9 |
| 722511 | Full-Service Restaurants | 4 |
| 812112 | Beauty Salons | 3 |
| 115114 | Postharvest Crop Activities (except Cotton Ginning) | 2 |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 2 |
| 811111 | General Automotive Repair | 2 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 2 |
| 326199 | All Other Plastics Product Manufacturing | 1 |
| 238210 | Electrical Contractors | 1 |
Top 10 states
| State | Loans |
|---|---|
| MI | 38 |
| NC | 7 |
| NV | 5 |
| TX | 5 |
| OH | 4 |
| FL | 4 |
| IN | 3 |
| WI | 2 |
| SC | 2 |
| VA | 2 |
Top franchise brands financed
20 franchise loans across 20 distinct brands.
| Franchise | Loans |
|---|---|
| Super 8 by Wyndhan | 1 |
| DQ Treat | 1 |
| Hardee's | 1 |
| The UPS Store (f/k/a Mail Box | 1 |
| Days Inn by Wyndham | 1 |
| Penn Station East Coast Subs | 1 |
| Quality Inn by Choice Hotels / | 1 |
| Wing Snob | 1 |
| The Toasted Yolk Cafe | 1 |
| Edible Arrangements | 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.