Truliant FCU: SBA Lending Profile
Truliant FCU is a credit union, headquartered in Winston-Salem, NC. It is a national lender, with SBA loans on record in 42 states and territories. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Truliant FCU actually approves
The median SBA approval at Truliant FCU is $1,094,450. The middle 80% of its loans fall between $300,000 and $3,317,500. The smallest funded approval in the available source window is $100,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 20 | 6.4% |
| Plumbing, Heating, and Air-Conditioning Contractors | 16 | 5.1% |
| Limited-Service Restaurants | 9 | 2.9% |
| General Automotive Repair | 7 | 2.2% |
| All Other Specialty Trade Contractors | 7 | 2.2% |
| Offices of Mental Health Practitioners (except Physicians) | 6 | 1.9% |
| Electrical Contractors and Other Wiring Installation Contractors | 6 | 1.9% |
| Hotels (except Casino Hotels) and Motels | 5 | 1.6% |
| Automotive Body, Paint, and Interior Repair and Maintenance | 5 | 1.6% |
| Marketing Consulting Services | 5 | 1.6% |
| Fitness and Recreational Sports Centers | 5 | 1.6% |
| Offices of Certified Public Accountants | 5 | 1.6% |
How fast Truliant FCU actually funds
Approval is not money in the bank. Across 287 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Truliant FCU is 25 days. Half its loans fund between 14 and 46 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
SBA approvals at Truliant FCU by fiscal year.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- Beyond SBA lending, NCUA call reports show $194M in commercial loans granted in the first quarter of 2026 alone, on a total commercial portfolio of $1.1B (as of 2026-03-31).
- only 11.9% of its funded SBA records with known business age went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 94.2% of its recent SBA loans.
- 0.6% 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. Commercial lending figures from NCUA 5300 call report 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 Truliant FCU.