America First FCU
SBA lender based in Utah serving 22 states and 75 industries
Is America First FCU the right SBA lender for your deal?
America First FCU has funded 1,445 SBA loans across 22 states and 75 industries. Their average loan size is $387K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against America First FCU and 897+ alternatives based on closing probability + pricing.
America First FCU is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. America First FCU has funded 1,445 SBA 7(a) loans across 22 states, averaging $387K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
Top Lending States
Tell us about your deal and we'll match you with the right capital source from our network.
Book a CallWhy borrowers choose America First FCU
America First FCU is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $387K. The lender's deepest industry experience is in Limited-Service Restaurants, and their highest-volume state is Utah. With 1,445 SBA loans funded across 22 states, they operate as a regional specialist anchored in Utah. Their portfolio default rate is 18.3% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against America First FCU and 897+ alternatives.
Recent SBA Activity at America First FCU
Franchise lending: America First FCU has funded SBA loans for multiple franchise concepts, with the highest volume in FiiZ Drinks, Bee Hive Homes, and Scooter's Coffee. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Limited-Service Restaurants, Amusement & Recreation, and Full-Service Restaurants. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are Utah, Nevada, Arizona, Idaho, and Oregon. Lenders typically underwrite faster in states where they already have closing comps.
Compare America First FCU to Similar SBA Lenders
Other SBA lenders headquartered in Utah with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
Looking for SBA Financing?
Tell us about your deal and we'll match you with the right capital source from our network. PeerSense uses proprietary data on lender track records to find the best fit for your industry, location, and loan size.
Curated capital network · 899+ SBA lenders tracked · Response within 24–48h on qualified deals
About America First FCU SBA Lending
America First FCU is an SBA lender headquartered in Utah. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
America First FCU serves borrowers across 22 states and 75 industry sectors with a regional lending focus. To find out whether America First FCU is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
Explore More
All SBA Lenders
Browse 899+ capital sources by state
SBA Loan Calculator
Estimate payments with live rates
Industry Benchmarks
SBA lending data across 100+ industries
Best SBA Franchise Lenders
Franchise lending track records
SBA Loans Guide
7(a), 504, Express: full overview
Get Matched
Tell us about your deal, free consultation
See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.