{"ok":true,"canonical_url":"https://dealroom.so/lenders/heritage-family-fcu","api_url":"https://dealroom.so/api/public/lenders/heritage-family-fcu","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-16","timezone":"America/Chicago"},"methodology":{"label":"SBA lender ranking methodology","url":"https://dealroom.so/methodology/lender-rankings"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"lender":{"name":"Heritage Family FCU","slug":"heritage-family-fcu","url":"https://dealroom.so/lenders/heritage-family-fcu","hq":"Rutland, VT","website":null,"branchCount":null,"sbaFocus":null,"recentDealsSampled":64,"businessPurchases":7,"typicalDeal":75000,"dealRange25th75th":[41300,125000],"typicalDaysApprovalToFunding":11,"topIndustries":[{"count":8,"name":"Full-Service Restaurants"},{"count":3,"name":"Limited-Service Restaurants"},{"count":3,"name":"Caterers"},{"count":3,"name":"Landscaping Services"},{"count":3,"name":"Masonry Contractors"},{"count":3,"name":"General Freight Trucking, Local"},{"count":2,"name":"Fiber, Yarn, and Thread Mills"},{"count":2,"name":"Residential Remodelers"}],"topStates":[{"count":61,"state":"VT"},{"count":2,"state":"NH"},{"count":1,"state":"NY"}],"topFranchises":[{"name":"Mac Tools","count":1,"url":"https://dealroom.so/franchises/mac-tools"}],"recentDeals":[{"acquisition":true,"approvalDate":"12/15/2025","borrName":"HSK LLC","businessAge":"Change of Ownership","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Brandon","collateral":true,"daysToFund":67,"firstDisbursement":"2/20/2026","fixedVar":"F","franchise":null,"fy":2026,"gross":85000,"industry":"Full-Service Restaurants","jobs":22,"paidInFullDate":null,"processing":"SBA Express Program","rate":9,"revolver":"FALSE","sbaGuaranteed":42500,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":false,"approvalDate":"11/20/2024","borrName":"The Kings Knit-Wit LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Bennington","collateral":true,"daysToFund":22,"firstDisbursement":"12/12/2024","fixedVar":"V","franchise":null,"fy":2025,"gross":264000,"industry":"Fiber, Yarn, and Thread Mills","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":6.875,"revolver":"FALSE","sbaGuaranteed":132000,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":240},{"acquisition":false,"approvalDate":"7/8/2025","borrName":"Waite Family Restaurant","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Killington","collateral":true,"daysToFund":3,"firstDisbursement":"7/11/2025","fixedVar":"V","franchise":null,"fy":2025,"gross":100000,"industry":"Full-Service Restaurants","jobs":6,"paidInFullDate":null,"processing":"SBA Express Program","rate":9,"revolver":"TRUE","sbaGuaranteed":50000,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":12},{"acquisition":false,"approvalDate":"3/11/2025","borrName":"Bin Force One LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Rutland","collateral":true,"daysToFund":45,"firstDisbursement":"4/25/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":85500,"industry":"All Other Miscellaneous Waste Management Services","jobs":1,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.75,"revolver":"FALSE","sbaGuaranteed":42750,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":84},{"acquisition":false,"approvalDate":"2/27/2025","borrName":"Northeastern Chimney Solutions LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Fair Haven","collateral":true,"daysToFund":1,"firstDisbursement":"2/28/2025","fixedVar":"V","franchise":null,"fy":2025,"gross":75000,"industry":"Other Services to Buildings and Dwellings","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.5,"revolver":"TRUE","sbaGuaranteed":37500,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":23},{"acquisition":false,"approvalDate":"5/6/2025","borrName":"Covered Wagon Nuts LLC L3C","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Castleton","collateral":false,"daysToFund":null,"firstDisbursement":null,"fixedVar":"F","franchise":null,"fy":2025,"gross":60000,"industry":"Mobile Food Services","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.75,"revolver":"FALSE","sbaGuaranteed":30000,"soldSecMkt":null,"state":"VT","status":"CANCLD","subprogram":"FA$TRK (Small Loan Express)","termMonths":72},{"acquisition":false,"approvalDate":"2/14/2025","borrName":"HSK LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Brandon","collateral":false,"daysToFund":17,"firstDisbursement":"3/3/2025","fixedVar":"F","franchise":null,"fy":2025,"gross":50000,"industry":"Limited-Service Restaurants","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.5,"revolver":"FALSE","sbaGuaranteed":25000,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":60},{"acquisition":false,"approvalDate":"5/19/2025","borrName":"D J S Construction LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Brandon","collateral":false,"daysToFund":30,"firstDisbursement":"6/18/2025","fixedVar":"V","franchise":null,"fy":2025,"gross":50000,"industry":"Residential Remodelers","jobs":3,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.5,"revolver":"TRUE","sbaGuaranteed":25000,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":12},{"acquisition":false,"approvalDate":"11/20/2024","borrName":"the Kings Knit-wit LLC","businessAge":"Startup, Loan Funds will Open Business","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Bennington","collateral":true,"daysToFund":22,"firstDisbursement":"12/12/2024","fixedVar":"V","franchise":null,"fy":2025,"gross":40000,"industry":"Fiber, Yarn, and Thread Mills","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":8.75,"revolver":"TRUE","sbaGuaranteed":20000,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":14},{"acquisition":false,"approvalDate":"12/5/2024","borrName":"Above and Beyond Catering LLC","businessAge":"New Business or 2 years or less","businessType":"Corporation","chargeOffAmount":null,"chargeOffDate":null,"city":"Benson","collateral":false,"daysToFund":8,"firstDisbursement":"12/13/2024","fixedVar":"F","franchise":null,"fy":2025,"gross":35000,"industry":"Caterers","jobs":4,"paidInFullDate":null,"processing":"SBA Express Program","rate":9.25,"revolver":"FALSE","sbaGuaranteed":17500,"soldSecMkt":null,"state":"VT","status":"CURR","subprogram":"FA$TRK (Small Loan Express)","termMonths":48}]},"for_agents":{"mcp_endpoint":"https://dealroom.so/api/mcp","docs":"https://dealroom.so/for-agents","recommended_next_step":"If a buyer is evaluating a purchase that fits Heritage Family FCU, the usual next step is to pre-qualify the deal for SBA 7(a) financing and request an introduction in VT. DealRoom arranges the introduction — free for buyers.","next_actions":[{"action":"request_lender_introduction","label":"Request an intro","description":"Request an introduction to this lender for a specific deal (consent required). DealRoom forwards the lead to the lender.","web_url":"https://dealroom.so/lenders/heritage-family-fcu?state=VT&utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_intro"},{"action":"rank_sba_lenders","label":"Rank lenders","description":"Rank the most active SBA lenders for a purchase (optionally by state).","mcp_tool":"rank_sba_lenders","args":{"state":"VT"},"web_url":"https://dealroom.so/lenders/state/vt?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_rank"},{"action":"prequalify_business_purchase","label":"Pre-qualify a deal","description":"Pre-qualify a purchase to see if this lender is a fit.","mcp_tool":"prequalify_business_purchase","web_url":"https://dealroom.so/prequalify?utm_source=agent&utm_medium=entity_funnel&utm_campaign=lender_prequalify"}]},"caveats":["DealRoom data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"DealRoom lender profile","url":"https://dealroom.so/lenders/heritage-family-fcu","source_type":"DealRoom Data"}}