{"ok":true,"canonical_url":"https://www.capbench.com/lenders/first-u-s-community-cu","api_url":"https://www.capbench.com/api/public/lenders/first-u-s-community-cu","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"SBA lender ranking methodology","url":"https://www.capbench.com/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"lender":{"name":"First U.S. Community CU","slug":"first-u-s-community-cu","url":"https://www.capbench.com/lenders/first-u-s-community-cu","hq":"Sacramento, CA","website":null,"branchCount":null,"sbaFocus":null,"recentDealsSampled":23,"businessPurchases":6,"typicalDeal":198000,"dealRange25th75th":[95000,480000],"typicalDaysApprovalToFunding":21,"topIndustries":[{"count":2,"name":"Offices of Physical, Occupational and Speech Therapists, and"},{"count":2,"name":"Full-Service Restaurants"},{"count":2,"name":"Interior Design Services"},{"count":2,"name":"Wood Kitchen Cabinet and Countertop Manufacturing"},{"count":2,"name":"Convenience Stores"},{"count":1,"name":"Beauty Salons"},{"count":1,"name":"Other Aircraft Parts and Auxiliary Equipment Manufacturing"},{"count":1,"name":"Pet and Pet Supplies Retailers"}],"topStates":[{"count":23,"state":"CA"}],"topFranchises":[{"name":"Blast & Brew","count":1,"url":null},{"name":"PuroClean","count":1,"url":"https://www.capbench.com/franchises/puroclean"}],"recentDeals":[{"acquisition":false,"approvalDate":"2/6/2026","borrName":"Natomas Physical Therapy Inc.","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Sacramento","collateral":true,"daysToFund":21,"firstDisbursement":"2/27/2026","fixedVar":"V","franchise":null,"fy":2026,"gross":75000,"industry":"Offices of Physical, Occupational and Speech Therapists, and","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":11.25,"revolver":"TRUE","sbaGuaranteed":37500,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"1/9/2026","borrName":"BWK Esthetics, LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Penn Valley","collateral":true,"daysToFund":21,"firstDisbursement":"1/30/2026","fixedVar":"V","franchise":null,"fy":2026,"gross":50000,"industry":"Beauty Salons","jobs":3,"paidInFullDate":null,"processing":"SBA Express Program","rate":13.25,"revolver":"TRUE","sbaGuaranteed":25000,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":120},{"acquisition":false,"approvalDate":"4/23/2024","borrName":"Loree Air, Inc.","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Diamond Springs","collateral":true,"daysToFund":199,"firstDisbursement":"11/8/2024","fixedVar":"V","franchise":null,"fy":2024,"gross":500000,"industry":"Other Aircraft Parts and Auxiliary Equipment Manufacturing","jobs":7,"paidInFullDate":null,"processing":"7a General","rate":7.5,"revolver":"FALSE","sbaGuaranteed":375000,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":true,"approvalDate":"3/12/2024","borrName":"R&P Enterprises, Inc","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Sacramento","collateral":true,"daysToFund":22,"firstDisbursement":"4/3/2024","fixedVar":"V","franchise":null,"fy":2024,"gross":250000,"industry":"Pet and Pet Supplies Retailers","jobs":8,"paidInFullDate":null,"processing":"7a General","rate":9.5,"revolver":"FALSE","sbaGuaranteed":187500,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"9/4/2024","borrName":"Sierra Nevada Bouldering Gym, LLC","businessAge":"Existing or more than 2 years old","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Grass Valley","collateral":true,"daysToFund":57,"firstDisbursement":"10/31/2024","fixedVar":"V","franchise":null,"fy":2024,"gross":198000,"industry":"Fitness and Recreational Sports Centers","jobs":10,"paidInFullDate":null,"processing":"7a General","rate":9.5,"revolver":"FALSE","sbaGuaranteed":148500,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"8/6/2024","borrName":"El Charlies Taco's LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Sacramento","collateral":true,"daysToFund":10,"firstDisbursement":"8/16/2024","fixedVar":"V","franchise":null,"fy":2024,"gross":34000,"industry":"Mobile Food Services","jobs":5,"paidInFullDate":null,"processing":"7a General","rate":9.5,"revolver":"FALSE","sbaGuaranteed":28900,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"2/28/2023","borrName":"Cosmic Roosters Inc.","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Rancho Cordova","collateral":true,"daysToFund":8,"firstDisbursement":"3/8/2023","fixedVar":"V","franchise":null,"fy":2023,"gross":1496000,"industry":"Full-Service Restaurants","jobs":55,"paidInFullDate":null,"processing":"7a General","rate":7.25,"revolver":"FALSE","sbaGuaranteed":1122000,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":300},{"acquisition":false,"approvalDate":"4/6/2023","borrName":"Aakar Development LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Concord","collateral":true,"daysToFund":508,"firstDisbursement":"8/26/2024","fixedVar":"V","franchise":"Blast & Brew","fy":2023,"gross":497500,"industry":"Full-Service Restaurants","jobs":26,"paidInFullDate":null,"processing":"7a General","rate":8.5,"revolver":"FALSE","sbaGuaranteed":373125,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":120},{"acquisition":false,"approvalDate":"8/12/2023","borrName":"Brothers Art and Antiques","businessAge":"Existing or more than 2 years old","businessType":"Individual","chargeOffAmount":null,"chargeOffDate":null,"city":"Nevada City","collateral":true,"daysToFund":24,"firstDisbursement":"9/5/2023","fixedVar":"V","franchise":null,"fy":2023,"gross":350700,"industry":"Interior Design Services","jobs":2,"paidInFullDate":null,"processing":"7a General","rate":7,"revolver":"FALSE","sbaGuaranteed":263025,"soldSecMkt":null,"state":"CA","status":"CURR","subprogram":"Guaranty","termMonths":300},{"acquisition":true,"approvalDate":"7/11/2023","borrName":"Delta Electric & Construction Services Inc.","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Fremont","collateral":true,"daysToFund":23,"firstDisbursement":"8/3/2023","fixedVar":"V","franchise":null,"fy":2023,"gross":250000,"industry":"Other Personal and Household Goods Repair and Maintenance","jobs":8,"paidInFullDate":null,"processing":"7a General","rate":9,"revolver":"FALSE","sbaGuaranteed":187500,"soldSecMkt":null,"state":"CA","status":"PURCH(NOT C/O)","subprogram":"Guaranty","termMonths":102}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"If a buyer is evaluating a purchase that fits First U.S. Community CU, the usual next step is to pre-qualify the deal for SBA 7(a) financing and request an introduction in CA. CapBench arranges the introduction — free for buyers.","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required). CapBench forwards the lead to the lender.","web_url":"https://www.capbench.com/lenders/first-u-s-community-cu?state=CA&utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"CA"},"web_url":"https://www.capbench.com/lenders/state/ca?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://www.capbench.com/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench lender profile","url":"https://www.capbench.com/lenders/first-u-s-community-cu","source_type":"CapBench Data"}}