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SBA 7(a) record
ST. Cloud Financial Credit Union: SBA 7(a) loans made
ST. Cloud Financial Credit Union, a credit union based in Sartell, MN, made 18 SBA 7(a) loans in the 36 months ending September 30, 2026, $6.5M in all, net of cancelled approvals. The typical loan was about $130K, and 6 were in the last 12 months. Most were in Minnesota.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 18
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $6.49M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $130K
- SBA FOIA,
- Largest loan
- $2.3M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 6
- SBA FOIA,
Cite this
Source: The Lender Report, ST. Cloud Financial Credit Union: SBA 7(a) loans made, https://lender.report/lender/st-cloud-financial-credit-union-mn/sba-7a/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Minnesota | SBA 7(a), All Other Miscellaneous Ambulatory Health Care Services | $340K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Minnesota | SBA 7(a), All Other Miscellaneous Ambulatory Health Care Services | $100K | 9.25% | 10 yr | SBA FOIA | |
| Aug 2026 | Minnesota | SBA 7(a), Beauty Salons | $90K | 7.75% | 10 yr | SBA FOIA | |
| May 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $120K | 9.25% | 7 yr | SBA FOIA | |
| May 2026 | Minnesota | SBA 7(a), Flooring Contractors | $50K | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Minnesota | SBA 7(a), Beauty Salons | $460K | 9% | 10 yr | SBA FOIA | |
| Jun 2025 | Minnesota | SBA 7(a), Offices of Real Estate Agents and Brokers | $48K | 9.75% | 5 yr | SBA FOIA | |
| May 2025 | Minnesota | SBA 7(a), Beauty Salons | $20K | 9.5% | 5 yr | SBA FOIA | |
| Feb 2025 | Minnesota | SBA 7(a), Administrative and Support and Waste Management and Remediation Services | $41K | 10% | 5 yr | SBA FOIA | |
| Jan 2025 | Minnesota | SBA 7(a), Motor Vehicle Towing | $2.3M | 9.5% | 10 yr | SBA FOIA | |
| Dec 2024 | Minnesota | SBA 7(a), Beauty Salons | $370K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2024 | Minnesota | SBA 7(a), Manufacturing | $76K | 10.5% | 5 yr | SBA FOIA | |
| Aug 2024 | Minnesota | SBA 7(a), Supermarkets and Other Grocery Retailers (except Convenience Retailers) | $70K | 10.25% | 10 yr | SBA FOIA | |
| Jul 2024 | Minnesota | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $250K | 10.5% | 25 yr | SBA FOIA | |
| Jun 2024 | Minnesota | SBA 7(a), Beauty Salons | $130K | 10.25% | 7 yr | SBA FOIA | |
| Jan 2024 | Minnesota | SBA 7(a), Automotive Body, Paint, and Interior Repair and Maintenance | $510K | 10.5% | 10 yr | SBA FOIA | |
| Dec 2023 | Minnesota | SBA 7(a), Full-Service Restaurants | $510K | 10.5% | 10 yr | SBA FOIA | |
| Oct 2023 | Minnesota | SBA 7(a), General Freight Trucking, Long-Distance, Truckload | $1M | 10.75% | 10 yr | SBA FOIA | |
| 18 SBA 7(a) loans since October 2023, net of cancelled | $6.49M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Minnesota | 18 | $6.49M |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 10 | $745K |
| $150K to $350K | 2 | $590K |
| $350K to $1M | 4 | $1.85M |
| $1M to $2.5M | 2 | $3.30M |
| $2.5M or more | 0 | $0 |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 2 | $1.51M |
| 2024 Q1 | 1 | $510K |
| 2024 Q2 | 1 | $130K |
| 2024 Q3 | 3 | $396K |
| 2024 Q4 | 1 | $370K |
| 2025 Q1 | 2 | $2.34M |
| 2025 Q2 | 2 | $68.0K |
| 2026 Q1 | 1 | $460K |
| 2026 Q2 | 2 | $170K |
| 2026 Q3 | 3 | $530K |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | Loans |
|---|---|
| Beauty Salons (812112) | 5 |
| All Other Miscellaneous Ambulatory Health Care Services (621999) | 2 |
| Full-Service Restaurants (722511) | 2 |
| Administrative and Support and Waste Management and Remediation Services | 1 |
| Automotive Body, Paint, and Interior Repair and Maintenance (811121) | 1 |
| Flooring Contractors (238330) | 1 |
| General Freight Trucking, Long-Distance, Truckload (484121) | 1 |
| Manufacturing | 1 |
| Motor Vehicle Towing (488410) | 1 |
| Offices of Real Estate Agents and Brokers (531210) | 1 |
| Snack and Nonalcoholic Beverage Bars (722515) | 1 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) (445110) | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| 7a General | 15 |
| SBA Express Program | 3 |
- ST. Cloud Financial Credit Union made 18 SBA 7(a) loans totaling $6.5M in the 36 months ending September 30, 2026, net of cancelled approvals, in 1 state. SBA FOIA,
- 6 of them were in the 12 months to September 30, 2026, and 5 in the 12 months before. SBA FOIA,
- The typical loan was about $130K, with the middle half between $70K and $460K. SBA FOIA,
- The largest was about $2.3M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 10 loans were under $150K, and 2 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 9.75% on 18 loans, with the middle half between 9.25% and 10.50%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Beauty Salons, with 5. SBA FOIA,
- The SBA file lists 15 of its loans as processed under 7a General. SBA FOIA,
- Its loans were most often in Minnesota (18). SBA FOIA,
What we don't know
- Whether ST. Cloud Financial Credit Union is taking new SBA 7(a) loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
Loans are SBA approvals, net of cancelled approvals.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.