Sound Credit Union: SBA Lending Profile
Sound Credit Union is a credit union, headquartered in TACOMA, WA. It is active in 1 state, concentrated around WA. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Sound Credit Union actually approves
The median SBA approval at Sound Credit Union is $31,500. The middle 80% of its loans fall between $10,000 and $500,000. The smallest funded approval in the available source window is $7,200 and the largest is $4,207,500. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 114 | $32K | 11.25% | 7 years |
| 504 first mortgage (third party) | 2 | $594K | n/a | 25 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 9 | 3.9% |
| Mobile Food Services | 9 | 3.9% |
| General Freight Trucking, Long-Distance, Truckload | 8 | 3.5% |
| Beauty Salons | 7 | 3.1% |
| Snack and Nonalcoholic Beverage Bars | 6 | 2.6% |
| Residential Remodelers | 6 | 2.6% |
| Administrative Management and General Management Consulting Services | 6 | 2.6% |
| Fitness and Recreational Sports Centers | 5 | 2.2% |
| Electrical Contractors and Other Wiring Installation Contractors | 5 | 2.2% |
| Plumbing, Heating, and Air-Conditioning Contractors | 5 | 2.2% |
| Janitorial Services | 5 | 2.2% |
| Landscaping Services | 4 | 1.7% |
How fast Sound Credit Union actually funds
Approval is not money in the bank. Across 200 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Sound Credit Union is 12 days. Half its loans fund between 6 and 26 days. That is fast. The typical SBA lender takes about 20 days, and many take far longer.
Lending momentum
Sound Credit Union is expanding its SBA program. Approvals are up 136% from FY2023 to FY2025, which usually means an active appetite and a team that wants deals.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- 56.8% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 38.9% of its recent SBA loans.
- 57.2% of its SBA lending is revolving lines of credit rather than term loans.
- 30.6% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by Sound Credit Union.