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SBA lender · 7(a) program
Align Credit Union
Align Credit Union has approved 34 SBA loans worth $4.8M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
-
<0.01% of all SBA dollars
Total approved
$4.8M
FY2010 onward
Loans
34
Median loan
$108,350
-40% vs national
Median rate
7.00%
+0.25 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Align Credit Union’s numbers say
Align Credit Union sits in the long tail of the SBA lending field, having approved 34 loans for a gross total of $4.8M since fiscal 2010. Its median loan of $108,350 is well below the $180,000 national median, typical of a lender leaning on SBA Express and smaller working-capital facilities.
The median initial note rate across its 7(a) approvals is 7.00%, 0.25 points above the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 46% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where Align Credit Union lends
| State | Loans | Share |
|---|---|---|
| Massachusetts | 28 | |
| New Hampshire | 6 |
Franchise brands Align Credit Union financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Pure Barre | 1 | $228K |
Brands with the most Align Credit Union SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Align Credit Union made 29 of these loans under the SBA Express programme, median $100,000. Compare SBA Express lenders.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Align Credit Union. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
Check options with SmartBizWe may be paid if you apply through this link. It does not change what we publish, and no lender can buy a place in our rankings. Details.
Questions about Align Credit Union
- How many SBA loans has Align Credit Union approved?
- Align Credit Union has approved 34 SBA loans totalling $4,758,700 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Align Credit Union SBA loan size?
- The median gross approval is $108,350, with the middle 80% of loans falling between $30,000 and $260,000. The national median across all SBA lenders is $180,000.
- What interest rate does Align Credit Union charge on SBA 7(a) loans?
- The median initial note rate on Align Credit Union's 7(a) approvals is 7.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
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