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SBA lender · 7(a) program
Everwise Credit Union
Everwise Credit Union has approved 133 SBA loans worth $265.3M since FY2010 - the #292 SBA lender in the country by dollars approved. Everything below comes from the SBA’s own loan-level records.
National rank
#292
0.05% of all SBA dollars
Total approved
$265.3M
FY2010 onward
Loans
133
Median loan
$1,650,000
+817% vs national
Median rate
8.25%
+1.50 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 Everwise Credit Union’s numbers say
Everwise Credit Union sits in the long tail of the SBA lending field, having approved 133 loans for a gross total of $265.3M since fiscal 2010. Its median loan of $1,650,000 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 8.25%, 1.50 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 54% 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 Everwise Credit Union lends
What it lends against
Franchise brands Everwise Credit Union financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Quality Inn | 5 | $8.3M | |
| Urban Air Adventure Park | 4 | $14.4M | |
| Days Inn | 3 | $8.4M | |
| Baymont Inn & Suites | 2 | $3.6M | |
| Comfort Suites by Choice Hotels | 2 | $8.9M | |
| Culver's ButterBurgers & Frozen Custard | 2 | $95K | |
| Fairfield by Marriott | 2 | $10.0M | |
| Hampton Inn by Hilton | 2 | $8.9M |
Brands with the most Everwise 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.
Everwise Credit Union made 13 of these loans under the SBA Express programme, median $50,000. 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 Everwise 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.
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Questions about Everwise Credit Union
- How many SBA loans has Everwise Credit Union approved?
- Everwise Credit Union has approved 133 SBA loans totalling $265,344,000 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it #292 among all SBA lenders by dollars approved.
- What is the typical Everwise Credit Union SBA loan size?
- The median gross approval is $1,650,000, with the middle 80% of loans falling between $75,000 and $5,000,000. The national median across all SBA lenders is $180,000.
- What interest rate does Everwise Credit Union charge on SBA 7(a) loans?
- The median initial note rate on Everwise Credit Union's 7(a) approvals is 8.25%, 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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