iTHINK Financial CU
iTHINK Financial CU is an SBA 7(a) lender that has approved 142 loans totaling $92.3M between FY2020 and Q1 FY2026 (2025-12-31), with a 0.00% charge-off rate on mature loans. Average loan size: $650K. Active in 6 states. Headquartered in DELRAY BEACH, FL.
Total 7(a) loans
142
Total approved
$92.3M
Average loan
$650K
States funded in
6
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
34.15%
Average rate
8.54%
Average term
198 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 11 |
| 721191 | Bed-and-Breakfast Inns | 8 |
| 492110 | Couriers | 6 |
| 624410 | Child Day Care Services | 4 |
| 722513 | Limited-Service Restaurants | 4 |
| 812990 | All Other Personal Services | 4 |
| 541620 | Environmental Consulting Services | 3 |
| 484110 | General Freight Trucking, Local | 3 |
| 238160 | Roofing Contractors | 3 |
| 811111 | General Automotive Repair | 3 |
Top 10 states
| State | Loans |
|---|---|
| FL | 119 |
| GA | 16 |
| NC | 2 |
| NV | 2 |
| AL | 2 |
| SC | 1 |
Top franchise brands financed
14 franchise loans across 14 distinct brands.
| Franchise | Loans |
|---|---|
| Stretch Zone | 1 |
| Bumble Bee Blinds | 1 |
| DRIPBaR | 1 |
| French Florist | 1 |
| Dunkin' Donuts | 1 |
| PostNet | 1 |
| Miracle Method Surface Refinis | 1 |
| Kilwins Chocolates and Ice Cre | 1 |
| Shipley Do-Nut | 1 |
| Keke's Breakfast Café | 1 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.