Black Hills FCU
Headquartered in Rapid City, SD. Analysis based on 104 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $23.7M.
Total 7(a) loans
104
Total approved
$23.7M
Average loan
$228K
States funded in
3
Charge-off rate
1.23%
FY2020–FY2023 cohort
Paid-in-full rate
34.57%
Average rate
7.58%
Average term
102 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 332323 | Ornamental and Architectural Metal Work Manufacturing | 4 |
| 722513 | Limited-Service Restaurants | 4 |
| 722511 | Full-Service Restaurants | 4 |
| 722410 | Drinking Places (Alcoholic Beverages) | 4 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 4 |
| 624410 | Child Day Care Services | 3 |
| 561730 | Landscaping Services | 3 |
| 562910 | Remediation Services | 3 |
| 722330 | Mobile Food Services | 3 |
| 238910 | Site Preparation Contractors | 2 |
Top 10 states
| State | Loans |
|---|---|
| SD | 102 |
| ND | 1 |
| NY | 1 |
Top franchise brands financed
2 franchise loans across 2 distinct brands.
| Franchise | Loans |
|---|---|
| Koko FitClub | 1 |
| Teriyaki Madness | 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.