SBA lender profile
Kinecta FCU
Kinecta FCU appears in the public SBA loan data with 180 funded 7(a) loans since FY2010, totaling $71.1M, an average of $395K per loan, and an estimated 3,128 jobs supported. Its SBA lending concentrates in California and the Retail Trade sector. Across its 7(a) loans, the charge-off rate is 7.8%. 42.8% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 50
- Scale 63
- Activity 25
- Consistency 68
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Kinecta FCU the right lender for you?
Lenders fund what they know. Kinecta FCU's SBA lending concentrates in California (173 loans) and Retail Trade (26 loans), at an average loan of $395K. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Where Kinecta FCU lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 173 | $67.2M |
| Washington | 1 | $2.5M |
| New York | 1 | $800K |
| Texas | 3 | $334K |
| Nevada | 1 | $150K |
| North Carolina | 1 | $53K |
What Kinecta FCU funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Retail Trade | 26 | $16.1M |
| Accommodation and Food Services | 27 | $10.7M |
| Manufacturing | 19 | $8.6M |
| Health Care and Social Assistance | 17 | $6.6M |
| Professional and Technical Services | 15 | $6.1M |
| Arts, Entertainment, Recreation | 11 | $4.2M |
Kinecta FCU SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 3 | $985K |
| 2011 | 4 | $750K |
| 2012 | 3 | $720K |
| 2013 | 3 | $1.7M |
| 2014 | 19 | $8.1M |
| 2015 | 53 | $22.4M |
| 2016 | 22 | $8.2M |
| 2017 | 27 | $7.4M |
| 2018 | 22 | $12.7M |
| 2019 | 11 | $4.5M |
| 2020 | 4 | $889K |
| 2021 | 4 | $1.4M |
| 2022 | 3 | $420K |
| 2024 | 2 | $1.0M |
Related SBA lenders
Other lenders active in California or in Retail Trade.
Comparing lenders? See how to choose an SBA lender by track record.
Kinecta FCU: frequently asked questions
Does Kinecta FCU offer SBA loans?
Yes. Kinecta FCU appears in the public SBA data with 180 funded SBA 7(a) loans totaling $71.1M.
How many SBA loans has Kinecta FCU made?
Kinecta FCU is associated with 180 SBA 7(a) loans totaling $71.1M in the public SBA data (as of 2026-03-31).
What is Kinecta FCU's SBA charge-off rate?
About 7.8% of Kinecta FCU's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Kinecta FCU do most of its SBA lending?
Kinecta FCU's SBA lending in the data is most concentrated in California, and by industry in Retail Trade.
Is Kinecta FCU an SBA Preferred Lender (PLP)?
The loan record shows Kinecta FCU operating under PLP delegated authority: 77 of its 7(a) loans (42.8%) were processed through the Preferred Lenders Program, including 1 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Kinecta FCU SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/kinecta-fcu/
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