Gesa CU
Pacific Northwest's Top Credit Union for SBA 7a | Business Acquisitions | CRE Purchase | Rent Replacement | Equipment |
Pacific Northwest's Top Credit Union for SBA 7a | Business Acquisitions | CRE Purchase | Rent Replacement | Equipment |
Since 2013 Gesa Credit Union has been one of the top SBA Credit Unions in the Pacific Northwest. Our Dedicated SBA Relationship Managers work with you one-on-one to find the right products that fit your business needs. We are a not-for-profit credit union and a Preferred Lending Provider (PLP) with the Small Business Administration (SBA).
Gesa Credit Union is able to help businesses and business owners located in Washington, Oregon and Idaho only
SBA / M&A Lending, Commercial Real Estate Lender
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Data source: SBA 7(a) FOIA loan-level data, covering activity through June 30, 2026 across the trailing 3 years (74 loan records for this lender). Refreshed quarterly from public loan-level records; figures are not supplied or reviewed by the lender.
Gesa CU ranks #52 of 564 SBA 7(a) lenders nationally by acquisition-loan volume.
Most of Gesa CU’s 7(a) acquisition lending falls in the $0-$500K range: 28 loans, 37.8% of the portfolio.
| Loan size | Share of loans | Loans | % of portfolio |
|---|---|---|---|
| $0-$500K | 28 | 37.8% | |
| $500K-$1M | 21 | 28.4% | |
| $1M-$2M | 21 | 28.4% | |
| $2M-$3M | 3 | 4.0% | |
| $3M-$4M | 1 | 1.4% |
Industries with highest loan volume
Limited-Service Restaurants
15
loans
$650K
avg. amount
Assisted Living Facilities for the Elderly
11
loans
$1.0M
avg. amount
Full-Service Restaurants
10
loans
$664K
avg. amount
Convenience Retailers
5
loans
$1.4M
avg. amount
General Automotive Repair
3
loans
$1.2M
avg. amount
All Other Specialty Trade Contractors
3
loans
$414K
avg. amount
Gasoline Stations with Convenience Stores
3
loans
$1.3M
avg. amount
Coin-Operated Laundries and Drycleaners
2
loans
$572K
avg. amount
All Other Amusement and Recreation Industries
1
loans
$356K
avg. amount
New Single-Family Housing Construction (except For-Sale Builders)
1
loans
$2.1M
avg. amount
10-Year
1.1%
Percentile Ranking
85th
85th percentile
Gesa CU’s median variable rate is + 1.75%, against a market median of Prime + 1.88%, 13 below market.
It priced below the market median in every one of the last 8 quarters.
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.14% |
| $500K-$1M | Prime + 1.77% |
| $1M-$2M | Prime + 1.31% |
| $2M-$3M | Prime + 1.42% |
| $3M-$4M | Prime + 1.25% |
| Quarter | This lender | Market median | Market range | Loans |
|---|---|---|---|---|
| Q4 '23 | Prime + 1.25% | Prime + 2.00% | Prime + 1.42% – Prime + 2.50% | 5 |
| Q1 '24 | Prime + 1.50% | Prime + 2.00% | Prime + 1.48% – Prime + 2.50% | 3 |
| Q2 '24 | Prime + 1.00% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q3 '24 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 5 |
| Q4 '24 | Prime + 1.50% | Prime + 2.25% | Prime + 1.50% – Prime + 2.75% | 7 |
| Q1 '25 | Prime + 1.25% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
| Q1 '26 | Prime + 1.50% | Prime + 2.00% | Prime + 1.50% – Prime + 2.50% | 6 |
| Q2 '26 | Prime + 1.75% | Prime + 2.00% | Prime + 1.25% – Prime + 2.50% | 3 |
Gesa CU has originated 7(a) acquisition loans in 2 states, most actively in Washington (65) and Oregon (9). Darker states on the map carry more volume.
| State | Loans | % of Total |
|---|---|---|
| Washington | 65 | 87.8% |
| Oregon | 9 | 12.2% |