SBA 7a Loans by State

Map of SBA Loans by State – California, Texas, Florida and New York are the largest SBA loan recipients.
The SBA data used for this page is available on the SBA.gov site.

Missouri SBA 7a Loans (9,728 Loans – $4.45B)
Montana SBA 7a Loans (2,288 Loans – $883.79M)
Nebraska SBA 7a Loans (3,337 Loans – $1.25B)
Nevada SBA 7a Loans (5,246 Loans – $2.55B)
New Hampshire SBA 7a Loans (4,705 Loans – $1.01B)
New Jersey SBA 7a Loans (18,636 Loans – $8.17B)
New Mexico SBA 7a Loans (2,549 Loans – $1.29B)
New York SBA 7a Loans (36,313 Loans – $11.56B)
North Carolina SBA 7a Loans (12,237 Loans – $7.85B)
North Dakota SBA 7a Loans (1,531 Loans – $437.83M)
Ohio SBA 7a Loans (33,741 Loans – $9.47B)
Oklahoma SBA 7a Loans (5,203 Loans – $2.66B)
Oregon SBA 7a Loans (8,630 Loans – $3.92B)
Pennsylvania SBA 7a Loans (19,074 Loans – $7.50B)
Rhode Island SBA 7a Loans (2,575 Loans – $678.56M)
South Carolina SBA 7a Loans (5,592 Loans – $3.48B)
South Dakota SBA 7a Loans (1,359 Loans – $509.46M)
Tennessee SBA 7a Loans (5,686 Loans – $3.45B)
Texas SBA 7a Loans (43,351 Loans – $27.68B)
Utah SBA 7a Loans (9,625 Loans – $4.49B)
Vermont SBA 7a Loans (1,942 Loans – $362.79M)
Virginia SBA 7a Loans (9,147 Loans – $4.53B)
Washington SBA 7a Loans (15,191 Loans – $8.29B)
West Virginia SBA 7a Loans (1,602 Loans – $534.66M)
Wisconsin SBA 7a Loans (12,056 Loans – $5.21B)
Wyoming SBA 7a Loans (976 Loans – $441.30M)

Alabama facilitated $2,301,575,660 in SBA lending over the past decade through 3,971 loans, generating substantial economic impact with 43,945 jobs created across the state. These financing initiatives, averaging $579,460 per transaction, supported businesses with an average operational history of 3.0 years at loan origination. The 144-month average loan term provided extended repayment flexibility for entrepreneurs. Jefferson County led loan activity, followed by Mobile, Madison, Baldwin, and Shelby counties in demonstrating robust small business investment patterns. Full-Service Restaurants dominated industry participation, with Hotels (except Casino Hotels) and Motels, Limited-Service Restaurants, Broilers and Other Meat Type, and Landscaping Services representing the next most active sectors. Franchise operations showed strong presence through Quality Inn, Days Inn by Wyndham, The UPS Store, Red Roof Inn, Domino’s, Motel 6, Hotworx, Best Western, Quality Inn by Choice Hotels and Jersey Mike’s establishing significant market penetration throughout Alabama’s entrepreneurial landscape.

Alaska’s SBA lending activity over the past decade generated 13,775 jobs through 1,111 loans, totaling $685,259,700, each averaging $616,795 in funding. These financial commitments supported businesses across diverse sectors, with Full-Service Restaurants, Limited-Service Restaurants, Offices of Dentists, Hotels (except Casino Hotels) and Motels, and Plumbing, Heating, and Air-Conditioning Contractors representing the most active industries for loan utilization. Geographically, lending concentrated in five key regions: Anchorage, Matanuska Susitna, Fairbanks North Star, Kenai Peninsula, and Juneau counties. The typical loan term extended 147 months, while borrowing enterprises averaged 3.2 years in operation at the time of approval. Franchise operations constituted a notable segment of recipients, featuring The Pita Pit, Papa Murphy’s Take ‘N’ Bake Pie, Ameriprise Financial, True Value Company, Tossed Franchise Company, Re-Bath, House of Bread, Golden Corral, Go Mini’s and Firehouse Subs among the most frequently supported brands.

Arizona’s business landscape demonstrated robust entrepreneurial activity, with companies averaging 3.5 years in operation when securing SBA financing over the past decade, totaling $6,398,925,400 in SBA financing. These enterprises generated substantial economic impact by creating 141,726 jobs across the state. The SBA facilitated 11,269 loans totaling an average of $567,834 per recipient, with typical repayment terms extending 154 months. Geographically, Maricopa, Pima, Yavapai, Mohave, and Pinal counties showed the highest concentration of loan activity. Industry distribution revealed strong demand within Full-Service Restaurants, Limited-Service Restaurants, Offices of Physicians (except Mental Health Specialists), Fitness and Recreational Sports Centers, and Plumbing, Heating, and Air-Conditioning Contractors. Franchise operations also played a significant role, with European Wax Center, Jackson Food Stores, Inc., Motel 6, Big O Tires, Super 8 by Wyndham, The Joint, Dogtopia, Native Grill and Wings, Elements Therapeutic Massage, and Days Inn by Wyndham representing the most active franchise participants during this period.

Arkansas’s SBA lending landscape demonstrates significant concentration in agricultural and hospitality sectors, with Broilers and Other Meat Type, Full-Service Restaurants, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels, and Other Poultry Production representing the state’s most financed industries. Over the past decade, these 3,216 loans, totaling $1,828,734,300, averaged $568,636 each, generating substantial economic impact through 32,410 jobs created across the loan terms. Geographic distribution shows Benton, Pulaski, Washington, Garland, and Faulkner counties leading loan activity, while borrowers typically secured financing at 2.6 years of business age for terms averaging 135 months. Franchise operations played a notable role, with The Goddard School, Super 8 by Wyndham, Jersey Mike’s, Best Western, Two Men and a Truck, The UPS Store, Health Mart Pharmacy, Econo Lodge by Choice Hotels, Days Inn by Wyndham, and Crumbl establishing the most prominent franchise presence throughout this period.

California’s SBA 7a loans averaged $583,836 each with typical repayment terms spanning 149 months, facilitating substantial economic development across the state’s diverse business landscape. These 69,587 loans, totaling $40,627,365,400, issued over the past decade generated an impressive 750,647 jobs, demonstrating the program’s significant role in workforce expansion throughout California’s economy. The financing primarily supported established businesses averaging 4.0 years in operation, with concentrated activity in Los Angeles, Orange, San Diego, Riverside, and San Bernardino counties. Full-Service Restaurants, Limited-Service Restaurants, Offices of Dentists, General Freight Trucking, Local, and Fitness and Recreational Sports Centers emerged as the dominant industries accessing this federal lending support. Franchise operations also represented a substantial portion of loan recipients, led by The UPS Store, AM/PM Mini-Mart, Motel 6, Chevron, ARCO, Subway, It’s Boba Time, and Cold Stone Creamery, reflecting California’s robust franchise ecosystem.

Average loan terms in Colorado extend 140 months with individual loan amounts averaging $537,978 across 14,654 total disbursements over the past decade, totaling $7,883,526,500 in SBA financing. These financing initiatives generated substantial economic impact, creating 153,876 jobs while supporting businesses averaging 3.2 years in operation at loan origination. Denver County leads regional loan activity, followed by Arapahoe, Jefferson, El Paso, and Adams counties in terms of SBA lending volume. Full-Service Restaurants dominate industry participation, with Beer, Wine, and Liquor Stores, Limited-Service Restaurants, Fitness and Recreational Sports Centers, and Hotels (except Casino Hotels) and Motels representing the most active sectors for SBA financing. Franchise operations showed strong participation through Christian Brothers Automotive, The UPS Store, Lash and Company, Ace Hardware, Ziggi’s Coffee, Anytime Fitness, Super 8 by Wyndham, Smoothie King and Hotworx.

Over the past decade, Connecticut facilitated 6,793 SBA loans, totaling $2,341,044,000, averaging $344,626 per transaction, generating a substantial 61,732 jobs across the state. This job creation impact was driven primarily by businesses in Full-Service Restaurants, Landscaping Services, Beer, Wine, and Liquor Stores, Limited-Service Restaurants, and Residential Remodelers. Hartford, Fairfield, New Haven, and Litchfield counties demonstrated the highest loan activity during this period. The typical Connecticut SBA 7a loan extended for 122 months, supporting businesses with an average operational history of 3.8 years at the time of financing. Franchise operations played a significant role in this economic development, with The Learning Experience, Subway, Sports Clips, Orange Theory Fitness, Jake’s Wayback Burgers, True Value Company, The Goddard School, Nautical Bowls, Gameday Men’s Health/Gameday, and Fred Astaire Dance Studios representing the most active franchise participants throughout this timeframe.

Delaware facilitated $665,549,260 in total SBA loan volume over the past decade through 1,740 individual loans, with each loan averaging $382,499. These business investments generated 15,739 jobs across various sectors, with funded enterprises averaging 3.4 years in operation at the time of financing. The state’s SBA lending activity concentrated heavily in New Castle County, followed by Sussex, Kent, Chester, and Suffolk counties. Full-Service Restaurants led industry participation, accompanied by Broilers and Other Meat Type, Limited-Service Restaurants, Landscaping Services, and Child Day Care Services as the primary beneficiaries of this federal lending support. Delaware businesses secured financing terms averaging 124 months per loan. Franchise operations represented a significant portion of funded enterprises, with Papa John’s Pizza, All Dry, The Goddard School, Mosquito Shield, Launch Trampoline Park, Jiffy Lube, Wireless Zone, Visiting Angels, Units, and The UPS Store demonstrating strong participation in the state’s SBA lending landscape.

District of Columbia’s SBA lending landscape is dominated by service-oriented sectors, with Full-Service Restaurants leading the way, followed by Beer, Wine, and Liquor Stores, Limited-Service Restaurants, Fitness and Recreational Sports Centers, and Administrative Management and General Management Consulting Services. Over the past decade, 1,078 SBA loans were facilitated across the region, totaling $450,049,800 in SBA financing (average $417,486 per loan) and creating 14,117 jobs throughout the term. Geographically, lending activity concentrated in District of Columbia, Prince Georges, New York, Baltimore City, and Arlington counties. The financing structure reveals businesses typically secured funding at 3.4 years of operational maturity, with loan terms averaging 116 months. Franchise operations showed notable diversity, including The UPS Store, Barre3, Tipsy Scoops, Sprint PrePaid Group, Saladworks, Sandella’s, Salon Professional Academy, Pure Sweat Sauna Studio, Pure, Premier Martial Arts Studio, and Orange Theory Fitness representing the most active franchise brands during this period.

Florida’s SBA 7a loans averaged 138 months in duration with a typical disbursement of $520,994 per loan, generating substantial economic impact through 395,257 jobs created across 36,416 loans totaling $18,972,526,400 over the past decade. These financing initiatives targeted businesses averaging 3.5 years in operation and demonstrated strong concentration in Miami-Dade, Broward, Palm Beach, Hillsborough, and Orange counties. The lending portfolio exhibited particular strength in service-oriented sectors, with Full-Service Restaurants, Limited-Service Restaurants, Plumbing, Heating, and Air-Conditioning Contractors, Child Day Care Services, and Offices of Physicians (except Mental Health Specialists) representing the most active industries. Franchise operations constituted a significant component of Florida’s SBA lending landscape, led by The UPS Store, Anytime Fitness, Tropical Smoothie Cafe, Marco’s Pizza, Culver’s Better Burgers, Hotworx, Jeremiah’s Italian Ice, The Joint, Crumbl and The Grounds Guys as the most frequently financed franchise concepts during this period.

During the last 10 years, Georgia’s SBA lending activity encompassed 16,770 loans, totaling $12,620,229,000, each averaging $752,548 in value. This lending portfolio generated substantial economic impact, creating 198,512 jobs across the state while supporting businesses with an average age of 3.0 years at loan origination. The typical loan term extended 167 months, reflecting long-term investment commitments. Geographic concentration was most pronounced in Fulton, Gwinnett, Cobb, Dekalb, and Forsyth counties, which captured the majority of lending activity. Industry distribution favored service-oriented sectors, with Full-Service Restaurants, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels, Gasoline Stations with Convenience Stores, and Child Day Care Services leading loan volume. Franchise operations represented a significant portion of borrowers, led by The UPS Store, Marco’s Pizza, Quality Inn by Choice Hotels, Ace Hardware, Hotworx, Quality Inn/ Quality Suites, Smoothie King, Days Inn by Wyndham, Premier Petroleum, Inc and Next Level Petroleum.

Over the past decade, Hawaii received $368,380,986 in SBA loan funding across 2,341 transactions, yielding an average loan size of $157,346. This financing generated 16,925 jobs while serving businesses with an average operational history of 3.8 years at loan origination. The typical repayment term extended 79 months for these SBA 7a loans. Geographic distribution concentrated heavily in five counties: Honolulu, Maui, Hawaii, Kauai, and Santa Clara, which captured the majority of lending activity. Industry analysis reveals strong demand within the hospitality and construction sectors, with Full-Service Restaurants, Limited-Service Restaurants, Residential Remodelers, Electrical Contractors, and Snack and Nonalcoholic Beverage Bars leading recipient categories. Franchise operations also secured substantial funding, with prominent brands including Teddy’s Bigger Burgers, Ameriprise Financial, The UPS Store, Servpro, Rainbow International, Tutor Doctor, Subway, Renue, Prime IV Hydration & Wellness, and Papa John’s representing the most active franchise borrowers throughout this period.

Idaho’s SBA lending landscape over the past decade has been dominated by the restaurant and service sectors, with Full-Service Restaurants, Limited-Service Restaurants, All Other Specialty Trade Contractors, Landscaping Services, and General Automotive Repair representing the most prevalent industries. These 5,105 loans, totaling $1,848,809,800, averaged $362,157 per transaction and generated 46,017 jobs across the state. Geographically, lending activity concentrated in Ada, Kootenai, Canyon, Bonneville, and Bonner counties, while businesses receiving financing typically operated for 3.2 years before securing SBA support. The standard repayment term extended 132 months, providing a substantial runway for business growth. Franchise operations captured significant lending volume, led by Anytime Fitness, Real Deals on Home Decor, F45 Training, Dutch Bros. Coffee, Crumbl, Servpro, ServiceMaster, Section 37 Axe Room, Motel 6, and Menchie’s, demonstrating strong investor confidence in proven business models throughout Idaho’s entrepreneurial ecosystem.

Illinois SBA lending totaled 18,937 loans over the past decade, with facilities averaging $488,018 each, totaling $9,241,596,900 in SBA financing. These transactions generated 229,617 jobs while serving businesses that averaged 3.7 years in operation at loan origination. The typical Illinois SBA 7a loan carries a 133-month term structure. Cook, Dupage, Lake, Will, and Kane counties captured the largest concentrations of this lending activity. Industry distribution favored General Freight Trucking, Long Distance, Truckload operations, alongside Full-Service Restaurants, Limited-Service Restaurants, Local, and Residential Remodelers. Franchise operations receiving the most support included The UPS Store, X-Golf, Super 8 by Wyndham, Subway, Anytime Fitness, Culver’s, Smoothie King, Sport Clips, and Parent Petroleum.

Over the past decade, Indiana received $4.93 billion in SBA loan disbursements across 12,159 transactions, with each loan averaging $405,123. Marion, Hamilton, Allen, Lake, and Hendricks counties captured the majority of this lending activity throughout the state. The business landscape supported by these loans concentrated heavily in transportation and hospitality sectors, with General Freight Trucking, Long Distance, Truckload leading industry recipients, followed by Full-Service Restaurants, Limited-Service Restaurants, Local, and Hotels (except Casino Hotels) and Motels. Indiana’s SBA 7a loan terms typically extended 121 months, facilitating the creation of 127,312 jobs statewide. Recipients were predominantly established enterprises, averaging 3.3 years in operation at the time of loan approval. Franchise operations represented a significant portion of funded businesses, with Biggby Coffee, Anytime Fitness, The UPS Store, Quality Inn by Choice Hotels, Subway, Baymont by Wyndham, Super 8 by Wyndham, Quality Inn/Quality Suites, and Dairy Queen Grill comprising the most frequently financed franchise brands during this period.

Iowa’s SBA lending program generated an impressive 40,497 jobs over the past decade through 3,719 loans, totaling $1,399,749,000, each averaging $376,378 in value. This substantial employment creation occurred across diverse sectors, with Full-Service Restaurants, Limited-Service Restaurants, Offices of Chiropractors, Fitness and Recreational Sports Centers, and Residential Remodelers leading the demand for financing. Geographically, Polk, Linn, Black Hawk, Scott, and Johnson counties concentrated the highest loan volumes, while borrowers typically secured 117-month repayment terms. The program primarily served relatively young enterprises, with businesses averaging just 2.8 years in operation at loan origination. Franchise operations played a notable role in Iowa’s SBA portfolio, featuring established brands including Hotworx, Super 8 by Wyndham, Subway, Little Caesars, Domino’s, Scooter’s Coffee, Massage Heights, and Pizza Ranch.

Over the past decade, Kansas facilitated 4,260 SBA loans with disbursements averaging $453,770 per transaction, totaling $1,933,058,800 in SBA financing. This financing generated 50,875 new employment opportunities while serving businesses with an average operational history of 3.0 years at loan origination. The typical repayment term extended 122 months across these transactions. Johnson, Sedgwick, Wyandotte, Douglas, and Shawnee counties demonstrated the highest loan activity levels throughout this period. Limited-Service Restaurants led industry participation, followed by Full-Service Restaurants, Fitness and Recreational Sports Centers, Hotels (except Casino Hotels) and Motels, and Landscaping Services. Franchise operations receiving financing included Scooter’s Coffee, Super 8 by Wyndham, Domino’s, Tropical Smoothie Cafe, Pizza Ranch, Goodcents, Urban Air Adventure Park, Sarpino’s, Orange Theory Fitness, and BLUSH Boot Camp.

The Kentucky business landscape for SBA lending demonstrates strong performance across diverse sectors, with Full-Service Restaurants, General Freight Trucking, Long Distance, Truckload, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels, and All Other Specialty Trade Contractors representing the most popular industries for SBA loans. Financial metrics reveal robust lending activity, as 4,693 SBA loans were facilitated over the last 10 years at an average of $392,471 per loan, totaling $1,841,867,400 in SBA financing. Geographic concentration shows Jefferson, Fayette, Kenton, Boone, and Campbell as the most popular Kentucky counties for SBA loans, while the lending portfolio generated substantial economic impact through 47,926 jobs created during this term. Franchise operations played a significant role, with Subway, Biggby Coffee, Redbox+, Red Roof Inn, Quality Inn by Choice Hotels, Jimmy John’s, Econo Lodge by Choice Hotels, Orange Leaf Frozen Yogurt, Little Caesars, and Best Western representing the most popular franchises in Kentucky during this term. The borrower profile indicates an average business age of 3.3 years at the time of loan origination, and the average length of a Kentucky SBA 7a loan is 121 months.

Over the past decade, Louisiana’s SBA lending program facilitated 3,999 loans with an average disbursement of $600,398 per borrower, totaling $2,400,991,700 in SBA financing. These financing initiatives generated 49,396 employment opportunities while supporting businesses averaging 3.2 years in operation at loan origination. The typical SBA 7a loan term extended 141 months across the state. Geographically, East Baton Rouge, Jefferson, Orleans, Saint Tammany, and Lafayette counties demonstrated the highest loan activity levels. Economic sectors receiving primary support included Full-Service Restaurants, Hotels (except Casino Hotels) and Motels, Limited-Service Restaurants, Fitness and Recreational Sports Centers, and Offices of Dentists. Franchise operations securing financing predominantly featured Hotworx, Comfort Suites by Choice Hotel, Firehouse Subs, Days Inn by Wyndham, Tropical Smoothie Cafe, PJ’s Coffee of New Orleans, Motel 6, Jimmy John’s, Anytime Fitness, and The UPS Store.

Maine has received $675,302,358 in SBA loan volume over the past decade, distributed across 3,049 loans that averaged $221,542 each. Cumberland County leads regional distribution, followed by York, Penobscot, Aroostook, and Androscoggin counties in loan activity. The state’s borrowers predominantly operate in Full-Service Restaurants, Limited-Service Restaurants, Landscaping Services, Logging, and Breweries sectors. These financing arrangements typically extend 109 months and support businesses with an average operational history of 3.2 years at loan origination. Employment generation totaled 24,439 jobs throughout this period. Franchise operations that secured funding most frequently include Aroma Joe’s, Subway, Smartstyle, IHOP, Hannaford Bros., LLC, Home Instead, Coffee News, Aging Excellence and The Little Gym.

Geographic analysis reveals that Maryland’s SBA lending concentrates heavily in Montgomery, Baltimore, Prince Georges, Anne Arundel, and Baltimore City counties, which collectively represent the state’s primary economic centers. Over the past decade, these regions facilitated 8,732 SBA loans with an average disbursement of $373,228 per transaction, totaling $3,259,026,500 in SBA financing. The lending portfolio demonstrates strong sectoral diversity, with Full-Service Restaurants, Limited-Service Restaurants, Fitness and Recreational Sports Centers, Beer, Wine, and Liquor Stores, and Residential Remodelers emerging as the dominant recipient industries. Franchise operations showed particular strength in Maryland’s market, led by The UPS Store, Tropical Smoothie Cafe, Subway, Celebree School, The Goddard School, Rita’s Ice Custard, Smoothie King, and Kiddie Academy. These investments generated substantial economic impact through 98,418 jobs created, while serving businesses averaging 3.4 years in operation at loan origination. The typical repayment structure extends 119 months, reflecting the long-term nature of these capital investments across Maryland’s diverse business landscape.

Massachusetts received 17,882 SBA loans totaling an average of $212,892 per loan disbursement, totaling $3,806,933,000 in SBA financing. These loans generated 142,277 jobs across the state while serving businesses with an average age of 3.9 years at the time of funding. The typical loan term extended 95 months. Middlesex, Essex, Norfolk, Worcester, and Suffolk counties captured the highest loan volumes during this period. Full-Service Restaurants, Landscaping Services, Residential Remodelers, Limited-Service Restaurants, and Plumbing, Heating, and Air-Conditioning Contractors represented the most active industry sectors. Franchise operations included The UPS Store, Subway, The Goddard School, Honey Dew Donuts, Orange Theory Fitness, Launch Trampoline Park, Home Instead Senior Care and Crumbl as the most frequently financed brands throughout Massachusetts.

Michigan’s SBA lending program has facilitated $7.7 billion through 23,272 loans over the past decade, with each loan averaging $331,428. This substantial financial commitment generated 214,069 new employment opportunities across the state while supporting businesses averaging 3.8 years in operation at the time of funding. The transportation and food service sectors dominated loan activity, led by General Freight Trucking, Long Distance, Truckload operations, followed by Full-Service Restaurants, Local services, Limited-Service Restaurants, and All Other Specialty Trade Contractors. Geographically, five counties captured the majority of lending volume: Oakland, Wayne, Macomb, Kent, and Ottawa counties. Franchise operations showed strong representation with Biggby Coffee, X-Golf, Subway, Jet’s Pizza, Little Caesars, Tropical Smoothie Cafe, Ace Hardware, The UPS Store, and Beyond Juicery + Eatery leading the market. The typical loan structure extended 123 months, reflecting the program’s commitment to long-term business development and economic stability.

Minnesota’s SBA lending program generated substantial economic impact with 185,986 jobs created over the past decade, achieved through 16,112 loan disbursements averaging $366,963 each, totaling $5,912,515,300 in SBA financing. These financing initiatives predominantly supported businesses averaging 3.4 years in operation, with typical loan terms extending 115 months. The program’s reach concentrated in five key counties: Hennepin, Ramsey, Dakota, Anoka, and Washington, while serving diverse sectors led by Full-Service Restaurants, Limited-Service Restaurants, Offices of Chiropractors, Landscaping Services, and Fitness and Recreational Sports Centers. Franchise operations represented a significant portion of funded enterprises, with Anytime Fitness, Nautical Bowls, The UPS Store, Snap Fitness, Jimmy John’s, Subway, and Papa Murphy’s emerging as the most frequently financed franchise brands throughout this period.

During the decade-long period under review, Mississippi’s SBA lending program facilitated 3,638 loans totaling an average of $444,262 per transaction, generating substantial economic impact through the creation of 34,140 jobs, totaling $1,616,224,800 in SBA financing. The financing reached businesses averaging 3.0 years in operation at loan origination, with typical repayment terms extending 124 months. Geographically, lending activity concentrated in Covington, Rankin, Hinds, Madison, and Harrison counties, demonstrating broad regional distribution across the state. Industry diversification characterized the loan portfolio, with leading sectors encompassing Broilers and Other Meat Type, Full-Service Restaurants, Hotels (except Casino Hotels) and Motels, General Freight Trucking, Local, and Beef Cattle Ranching and Farming operations. Franchise establishments represented a significant component of funded businesses, prominently featuring Days Inn by Wyndham, Subway, Quality Inn by Choice Hotels, Little Caesar Pizza, Super 8 by Wyndham, Red Roof Inn, Health Mart Pharmacy, The UPS Store, and Quality Inn/Quality Suites across the lending landscape.

Missouri’s SBA lending landscape reveals significant concentration in the hospitality and service sectors, with Full-Service Restaurants and Limited-Service Restaurants leading demand alongside Fitness and Recreational Sports Centers, Plumbing, Heating, and Air-Conditioning Contractors, and General Automotive Repair establishments. Over the past decade, these 9,728 loans, totaling $4,445,178,700, averaged $456,947 each, generating substantial economic impact through 112,129 jobs created across the state. The financing typically extends 131 months on average, supporting businesses with a mean age of 3.1 years at origination. Geographically, Saint Louis, Jackson, Greene, Saint Charles, and Boone counties dominated loan activity, while franchise operations showed strong representation through The UPS Store, Jersey Mike’s, Smoothie King, Days Inn by Wyndham, Super 8 by Wyndham, Scooter’s Coffee, F45 Training, Domino’s, and Anytime Fitness.

Montana facilitated 2,288 SBA loans with each averaging $386,274 in disbursements, totaling $883,794,300 in SBA financing. These financing arrangements generated 20,612 employment opportunities across the state while serving businesses that averaged 3.2 years in operation at loan origination. Limited-Service Restaurants led sector activity, followed by Full-Service Restaurants, Landscaping Services, Hotels (except Casino Hotels) and Motels, and Fitness and Recreational Sports Centers as the primary industries accessing this capital. Geographically, Yellowstone County dominated loan volume, with Gallatin, Flathead, Missoula, and Lewis and Clark counties comprising the remaining top markets. The typical repayment structure extended 121 months, providing a substantial runway for business development. Franchise operations showed concentrated activity among ten brands: Firehouse Subs, Taco Del Sol, Jersey Mike’s, Dee-O-Gee, The Brass Tap, Papa Murphy’s, Healthsource Chiropractic, EarthWise Pet Supply, Domino’s, and Cold Stone Creamery represented the most active franchise participants during this period.

Over the past decade, Nebraska secured $1,249,633,804 in SBA financing through 3,337 loan transactions, with each loan averaging $374,492. This substantial investment generated 37,435 new employment opportunities across the state while supporting businesses with an average operational history of 3.0 years at the time of funding. The typical Nebraska SBA 7a loan extends for 112 months, providing entrepreneurs with extended repayment flexibility. Geographic concentration shows Douglas, Lancaster, Sarpy, Lincoln, and Hall counties capturing the majority of lending activity. Sector analysis reveals strong demand within Full-Service Restaurants, Limited-Service Restaurants, All Other Specialty Trade Contractors, Fitness and Recreational Sports Centers, and Child Day Care Services as the dominant industries accessing SBA capital. Franchise operations also demonstrated significant participation, with Scooter’s Coffee, Hotworx, H&R Block, Swimtastic Swim School, Anytime Fitness, Valentino’s, Snap-On, Scissors & Scotch, and Subway representing the most active franchise concepts throughout this timeframe.

Nevada’s SBA lending landscape shows concentrated activity in the hospitality and service sectors, with Full-Service Restaurants and Limited-Service Restaurants leading industry engagement, followed by Offices of Physicians (except Mental Health Specialists), Fitness and Recreational Sports Centers, and Plumbing, Heating, and Air-Conditioning Contractors. Over the past decade, the state facilitated 5,246 SBA loans with an average disbursement of $486,052 per loan, generating substantial economic impact through 61,945 jobs created during this period, totaling $2,549,830,000 in SBA financing. Clark County dominated loan activity alongside Washoe, Carson City, Douglas, and Elko counties, while borrowing businesses averaged 3.4 years in operation at loan origination. Nevada SBA 7a loans typically extended for 137 months, supporting both independent businesses and franchise operations including The UPS Store, Subway, SUPERCUTS, Jimmy John’s, Burgerim, Marco’s Pizza, Hotworx, Orange Theory Fitness, Meineke and Kiddie Academy.

SBA financing in New Hampshire reached $1,009,228,605 through 4,705 loans over the past decade, averaging $214,461 per transaction. Full-Service Restaurants dominated the lending landscape, followed by Landscaping Services, Limited-Service Restaurants, General Automotive Repair, and Residential Remodelers as the primary beneficiaries of SBA support. Geographically, Rockingham County led loan activity, with Hillsborough, Merrimack, Strafford, and Grafton counties rounding out the top five markets for SBA financing. These investments generated substantial economic impact, creating 39,102 jobs while supporting businesses with an average operational history of 3.9 years at loan origination. Loan terms averaged 100 months, providing extended repayment flexibility for borrowers. Franchise operations played a notable role, with Wrap City, Aroma Joe’s, LINE-X, CertaPro Painters, Blitz 45 Function Training, Hotworx, Tropical Smoothie Cafe, The Zoo Health Club, Subway, and Meineke Car Care Center representing the most active franchise concepts accessing SBA capital during this period.

New Jersey SBA loans averaged 135 months in term length with individual disbursements of $438,503 per loan across 18,636 total loans over the last 10 years, totaling $8,171,949,800 in SBA financing. This lending activity generated 163,891 jobs, with borrowers typically operating businesses that were 3.7 years old at the time of loan approval. The state’s lending concentrated heavily in specific industries, led by Full-Service Restaurants, Limited-Service Restaurants, Residential Remodelers, General Freight Trucking, Local, and Fitness and Recreational Sports Centers. Geographically, five counties dominated the distribution: Bergen, Middlesex, Monmouth, Essex, and Ocean received the highest loan volumes. Franchise operations represented a significant portion of this activity, with The UPS Store, The Learning Experience, The Goddard School, Dunkin’ Donuts, Burger King, American Family Care/AFC Urgent, Hand and Stone Massage and Face Spa, Retro Fitness, Lightbridge Academy, and European Wax Center emerging as the most frequently financed franchise concepts during this term.

Over the past decade, New Mexico’s SBA lending program facilitated 2,549 loans with an average disbursement of $505,922 per transaction, totaling $1,289,595,400 in SBA financing. These financing initiatives generated 28,520 jobs across the state while serving businesses with an average operational history of 3.3 years at loan origination. The typical loan term extended 148 months, reflecting the program’s commitment to long-term business development. Geographically, lending activity concentrated in Bernalillo, Santa Fe, Lea, Dona Ana, and Eddy counties, demonstrating strong demand across both urban centers and resource-rich regions. Industry distribution favored Hotels (except Casino Hotels) and Motels, Support Activities for Oil and Gas Operations, Full-Service Restaurants, Offices of Dentists, and Limited-Service Restaurants. Franchise operations represented a significant component of the lending portfolio, with SVN International, Quality Inn by Choice Hotels, Super 8 by Wyndham, Comfort Inn by Choice Hotels, La Quinta by Wyndham, Days Inn by Wyndham, Best Western, Travelodge by Wyndham, and Happy Cat Hotel & Spa comprising the most frequently financed brands during this period.

Over the past decade, New York has received 36,313 SBA loans totaling $318,388 per loan on average, totaling $11,561,629,400 in SBA financing. This financing created 276,151 jobs while serving businesses with an average age of 4.0 years at the time of loan origination. The typical repayment term spans 114 months across the state’s diverse economic landscape. Geographically, lending activity concentrated most heavily in Kings, New York, Queens, Suffolk, and Nassau counties. Industry distribution favored Full-Service Restaurants, Limited-Service Restaurants, Residential Remodelers, Supermarkets and Other Grocery (except Convenience) Stores, and Beauty Salons as the predominant sectors. Franchise operations represented a significant portion of this lending, with Subway, The UPS Store, Retro Fitness, Orange Theory Fitness, ILOVEKICKBOXING.com and European Wax Center emerging as the most frequently financed franchise brands throughout this period.

North Carolina received $7.84 billion in SBA financing over the past decade through 12,237 loans, with each loan averaging $641,312. These investments generated 147,280 jobs across the state while serving businesses with an average age of 2.9 years at the time of financing. The typical SBA 7a loan term extended 150 months. Geographically, five counties dominated loan activity: Mecklenburg, Wake, Guilford, Buncombe, and New Hanover captured the largest share of disbursements. Industry concentration favored hospitality and service sectors, with Full-Service Restaurants, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels, Fitness and Recreational Sports Centers, and Offices of Dentists leading recipient categories. Franchise operations represented a significant portion of funded businesses, headlined by The UPS Store, Quality Inn by Choice Hotels, Super 8 by Wyndham, Days Inn by Wyndham, Quality Inn/Quality Suites, Servpro, Hotworx, ISI Elite Training, and The Goddard School.

Geographic analysis reveals that Cass, Burleigh, Grand Forks, Morton, and Williams counties dominated North Dakota’s SBA lending landscape, concentrating the majority of the state’s 1,531 loans issued over the past decade, totaling $437,826,700 in SBA financing. These loans, averaging $285,974 each, primarily supported businesses in Full-Service Restaurants, Landscaping Services, Limited-Service Restaurants, All Other Specialty Trade Contractors, and Plumbing, Heating, and Air-Conditioning Contractors sectors. The financing structure typically extended 95 months on average, facilitating capital access for enterprises with a mean operational history of 3.3 years at loan origination. Employment generation totaled 13,991 jobs throughout this period, while franchise operations represented a significant component of lending activity. Franchise recipients included The UPS Store, The Extreme Pita, Scooter’s Coffee, Sports Clips, Mrs. Field’s Cookies, Firehouse Subs, Daylight Donut Shop, Dairy Queen, Waxing the City, and Servpro, demonstrating the program’s support for established business models across diverse commercial sectors.

Ohio SBA loan recipients averaged 3.7 years in business at the time of funding, with enterprises spanning diverse sectors including General Freight Trucking, Long Distance, Truckload, Full-Service Restaurants, Local, Residential Remodelers, and Limited-Service Restaurants representing the most active industries. Geographic concentration occurred primarily in Cuyahoga, Franklin, Hamilton, Summit, and Montgomery counties. Financial terms reflected substantial investment levels, as 33,741 loans issued over the past decade averaged $280,777 per transaction with typical repayment periods extending 115 months, totaling $9,473,704,900 in SBA financing. These funding initiatives generated 280,546 jobs throughout the loan terms. Franchise operations constituted a significant portion of borrowers, with Pulp Juice and Smoothie Bar, The UPS Store, Subway, Biggby Coffee, Sports Clips, Domino’s, Orange Theory Fitness, Crumbl, and The Goddard School emerging as the preferred franchise models among Ohio entrepreneurs.

Oklahoma’s small business landscape demonstrates robust growth across key sectors, with Full-Service Restaurants, Limited-Service Restaurants, Insurance Agencies and Brokerages, Hotels (except Casino Hotels) and Motels, and General Automotive Repair leading SBA financing activity. This diverse industry mix facilitated the creation of 61,992 jobs over the past decade, showcasing the program’s substantial employment impact. The state’s 5,203 SBA loans, totaling $2,661,375,600, averaged $511,508 each, with funding concentrated primarily in Oklahoma, Tulsa, Cleveland, Canadian, and Wagoner counties. Businesses typically secured financing at 3.0 years of operation, committing to 128-month average loan terms that supported long-term expansion plans. Franchise operations played a significant role in this growth story, with Simple Simon’s Pizza, Scooter’s Coffee, Marco’s Pizza, Primrose Schools, Pearle Vision, Cici’s Pizza, Best Western, Ace Hardware, and Subway representing the most active branded business investments throughout the ten-year period.

Oregon’s SBA loan program generated 77,753 jobs over the past decade, representing substantial economic impact across the state’s business landscape. This employment creation resulted from 8,630 loans averaging $453,874 each, with businesses typically 4.0 years old at the time of financing, totaling $3,916,928,700 in SBA financing. The lending activity concentrated heavily in Multnomah, Washington, Clackamas, Lane, and Marion counties, while Full-Service Restaurants, Residential Remodelers, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels, and All Other Specialty Trade Contractors emerged as the dominant recipient industries. Franchise operations played a notable role, with The UPS Store, Dairy Queen, Ace Hardware, Motel 6, Ed Staubs & Sons Petroleum, Anytime Fitness, The Lash Lounge, Subway, and Christensen Lubricants. representing the most active franchise borrowers. These financing arrangements typically extended 140 months on average, providing businesses with long-term capital access to fuel their growth and job creation initiatives.

Pennsylvania’s SBA lending activity concentrates heavily in five key counties: Allegheny, Philadelphia, Montgomery, Bucks, and Chester, which collectively anchor the state’s small business financing landscape. Across these and other regions, the state’s 19,074 loans over the past decade averaged $393,167 per disbursement, with businesses typically securing 128-month terms, totaling $7,499,274,000 in SBA financing. The lending portfolio demonstrates strong sectoral diversity, with Full-Service Restaurants leading demand, followed by Limited-Service Restaurants, Residential Remodelers, Landscaping Services, and Fitness and Recreational Sports Centers. These investments facilitated substantial economic impact through 189,142 jobs created during the loan terms. Borrowing businesses exhibited relative maturity at 3.3 years average age when securing financing. Franchise operations represented a significant component, with The UPS Store, Subway, Rita’s Ice Custard, The Goddard School, Red Roof Inn, Lords & Ladies, Nothing Bundt Cakes, PrimoHoagies, and Budget Blinds emerging as the most frequently financed franchise concepts throughout this period.

Throughout the past decade, Rhode Island received 2,575 SBA loans, totaling $678,559,800, each averaging $263,518 in disbursed capital. These financing initiatives collectively generated 20,832 employment opportunities while serving businesses with an average operational history of 4.0 years at loan origination. The typical repayment structure extended across 111 months for SBA 7a loans in the state. Geographically, Providence county led loan distribution, followed by Kent, Washington, Newport, and Bristol counties. Industry concentration focused heavily on Full-Service Restaurants, Limited-Service Restaurants, Landscaping Services, General Automotive Repair, and Fitness and Recreational Sports Centers. Franchise operations also demonstrated significant presence, with Saladworks, Anytime Fitness, Tropical Smoothie Cafe, Subway, Fitness Together, Ameriprise Financial, Sonic, Jersey Mike’s, and Honey Dew Donuts representing the most frequently financed franchise concepts during this timeframe.

SBA lending initiatives across South Carolina generated substantial employment opportunities, creating 61,829 jobs over the past decade through strategic financial assistance. This economic impact was achieved through 5,592 loan disbursements, totaling $3,482,635,400, with each facility averaging $622,789 in support. Charleston, Greenville, Richland, Horry, and York counties emerged as the primary beneficiaries of this lending activity. The hospitality and food service sectors dominated loan utilization, particularly Full-Service Restaurants, Hotels (except Casino Hotels) and Motels, Limited-Service Restaurants, alongside Landscaping Services and Fitness and Recreational Sports Centers. Business recipients typically operated for 3.0 years before securing financing, with loan terms extending an average of 150 months. Franchise operations showed notable participation, led by Quality Inn by Choice Hotels, Servpro, Quality Inn/Quality Suites, Days Inn by Wyndham, Tropical Smoothie Cafe, Sleep Inn by Choice Hotels, Red Roof Inn, Eggs Up Grill, Bruster’s Real Ice Cream, and Anytime Fitness representing the most active franchise participants during this period.

Minnehaha, Pennington, Lincoln, Lawrence, and Codington counties served as the primary centers for South Dakota’s SBA lending activity, generating substantial economic impact through strategic capital deployment. During the past decade, these regional investments facilitated 12,570 new employment opportunities while supporting businesses across diverse sectors. Limited-Service Restaurants emerged as the dominant beneficiary industry, followed closely by Full-Service Restaurants, Offices of Chiropractors, General Freight Trucking, Local operations, and Snack and Nonalcoholic Beverage Bars. South Dakota’s 1,359 SBA loans, totaling $509,457,800, averaged $374,877 per transaction, with financing terms extending an average of 119 months to accommodate long-term business development needs. The entrepreneurial landscape demonstrated remarkable dynamism, as recipient businesses averaged just 2.7 years in operation at loan origination. Franchise operations played a significant role in this economic expansion, with Marco’s Pizza leading the roster alongside Ace Hardware, Ziggi’s Coffee, kiddieTropical Smoothie Cafe, Subway, Scooter’s Coffeehouse, Pizza Ranch, B & G Milkyway, True Value Company LLC, and The UPS Store establishing strong footholds throughout the state.

Tennessee’s SBA 7a financing typically extends over 142-month terms, with individual loan amounts averaging $606,023 across the state’s business landscape, totaling $3,445,844,600 in SBA financing. Over the past decade, this lending program facilitated 5,686 loans statewide, generating substantial economic impact through the creation of 71,234 jobs. The program predominantly serves businesses averaging 2.8 years in operation at the time of financing. Geographically, lending activity concentrates heavily in Davidson, Shelby, Knox, Williamson, and Hamilton counties, reflecting the state’s major metropolitan areas. Industry distribution reveals strong demand within the hospitality and service sectors, particularly Limited-Service Restaurants, Full-Service Restaurants, Fitness and Recreational Sports Centers, Hotels (except Casino Hotels) and Motels, and Offices of Dentists. Franchise operations represent a significant portion of Tennessee’s SBA lending portfolio, with prominent brands including Naturals2Go, Hotworx, Scooter’s Coffee, Sport Clips, Quality Inn by Choice Hotels, Motel 6, We Rock The Spectrum Kid’s Gym, Marco’s Pizza, The UPS Store and Just Love Coffee Cafe demonstrating the program’s appeal to established business models.

During the decade-long period under review, Texas received 43,351 SBA loans, totaling $27,675,681,300, with financing averaging $638,409 per transaction. These investments generated substantial economic impact, creating 515,748 jobs while serving businesses with an average operational history of 2.9 years at the time of funding. The typical loan term extended 145 months, providing long-term capital access across the state’s diverse economic landscape. Geographically, five counties dominated loan activity: Harris, Dallas, Tarrant, Collin, and Travis emerged as the primary beneficiaries of SBA financing. Industry concentration revealed clear patterns, with Full-Service Restaurants, Limited-Service Restaurants, Hotels (except Casino Hotels) and Motels, Fitness and Recreational Sports Centers, and Gasoline Stations with Convenience Stores leading demand for federal loan programs. Within the franchise sector, ten brands captured the majority of Texas SBA activity: Hotworx, Marco’s Pizza, La Quinta by Wyndham, Classic Star Group, Best Western, Anytime Fitness, Smoothie King, Tropical Smoothie Cafe, Kiddie Academy and The UPS Store represented the most active franchise operations seeking SBA financing throughout this timeframe.

Utah’s SBA loan program generated substantial employment opportunities over the last decade, creating 119,418 jobs through 9,625 loans that averaged $466,411 each, totaling $4,489,201,500 in SBA financing. These financing initiatives predominantly supported Full-Service Restaurants, Limited-Service Restaurants, Landscaping Services, Offices of Dentists, and All Other Specialty Trade Contractors across the state’s most active lending markets. Salt Lake, Utah, Davis, Washington, and Weber counties demonstrated the highest loan activity, with businesses averaging 3.4 years in operation at the time of financing. The typical loan term extended 138 months, facilitating growth for both independent enterprises and franchise operations including Beehive Homes, F45 Training, FiiZ Drinks, Hotworx, Big O Tires, Firehouse Subs, FedEx Ground, The UPS Store and SUPERCUTS throughout this period.

Vermont’s SBA loan recipients demonstrated an average business age of 3.4 years at the time of financing, with the state’s entrepreneurial landscape spanning diverse sectors including Full-Service Restaurants, Landscaping Services, General Freight Trucking, Local, Breweries, and Site Preparation Contractors as the most prominent industries. Over the past decade, 1,942 loans were facilitated with an average disbursement of $186,811 per loan, generating substantial economic impact through the creation of 14,640 jobs during this period, totaling $362,786,800 in SBA financing. Geographically, loan activity concentrated most heavily in Chittenden, Washington, Rutland, Bennington, and Franklin counties. The typical loan term extended 100 months, while franchise operations represented a significant portion of funded businesses, led by Travelodge by Wyndham, Sylvan Learning Centers, Snap Fitness, SUPERCUTS, SERVPRO, Restoration 1, Home Instead Senior Care, Hayes Handpiece, 9Round and The UPS Store.

Over the past decade, Virginia secured $4.53 billion in SBA financing through 9,147 loans, generating an impressive 110,746 jobs across the Commonwealth. Each loan averaged $495,157 and carried a typical term of 127 months, supporting businesses with an average operational history of 3.1 years at the time of funding. The hospitality and service sectors dominated Virginia’s SBA lending landscape, with Full-Service Restaurants, Limited-Service Restaurants, Fitness and Recreational Sports Centers, Hotels (except Casino Hotels) and Motels, and Child Day Care Services representing the most active industries. Geographically, Northern Virginia’s economic corridor led demand, as Fairfax, Loudoun, Prince William, Virginia Beach City, and Henrico counties captured the largest share of loan activity. Franchise operations showed particularly strong representation, with Quality Inn by Choice Hotels, The Goddard School, Duck Donuts, Rainbow International, Quality Inn/Quality Suites, Marco’s Pizza, Tropical Smoothie, Firehouse Subs, and The UPS Store emerging as the most popular franchise concepts throughout this period.

Washington’s SBA lending activity reached $8.29 billion across 15,191 loans over the past decade, with individual financing averaging $545,699. These investments generated 151,186 jobs while supporting businesses with an average operational history of 3.7 years at loan origination. King County led regional activity, followed by Pierce, Snohomish, Spokane, and Clark counties in loan volume. The restaurant sector dominated borrowing patterns, with Full-Service Restaurants and Limited-Service Restaurants capturing significant market share alongside Gasoline Stations with Convenience Stores, Hotels (except Casino Hotels) and Motels, and Residential Remodelers. Franchise operations represented a substantial portion of lending, featuring Christensen Inc., Wilson Oil, Inc., Chevron – Retail Supply Contra, Subway, Phillips 66, Anytime Fitness, Jackson Food Stores, Jersey Mike’s, Shell Gas, and Chevron Gas. The typical loan term extended 143 months, reflecting the program’s long-term business development approach.

With terms averaging 124 months and loan amounts of $333,743 per disbursement, West Virginia’s 1,602 SBA loans over the past decade have generated substantial economic impact through the creation of 14,196 jobs, totaling $534,656,400 in SBA financing. This employment generation spans diverse sectors, with Full-Service Restaurants, Limited-Service Restaurants, General Freight Trucking, Local, Hotels (except Casino Hotels) and Motels, and Residential Remodelers leading loan activity. Geographic concentration shows Monongalia, Kanawha, Harrison, Cabell, and Marion counties capturing the majority of financing. The typical borrower profile reveals businesses averaging 3.4 years in operation at loan origination. Franchise enterprises contributed notably to this growth, led by Marco’s Pizza, Days Inn by Wyndham, Ziebart, Subway, The UPS Store, The Honeybaked Ham, Miracle Ear, Holiday Inn Express/Holiday Inn, Hampton Inn, and Golden Corral establishing market presence throughout the state.

Wisconsin SBA 7a loans averaged 136 months in term length, with individual loan amounts averaging $431,928 across 12,056 total disbursements over the past decade, totaling $5,207,324,200 in SBA financing. These financing arrangements generated 133,498 jobs while serving businesses with an average operational age of 3.3 years at loan origination. Geographically, Milwaukee, Waukesha, Dane, Brown, and Outagamie counties demonstrated the highest loan activity levels. The restaurant sector dominated borrowing patterns, with Full-Service Restaurants and Limited-Service Restaurants leading demand alongside Landscaping Services, Drinking Places (Alcoholic Beverages), and General Automotive Repair operations. Franchise financing concentrated heavily among established brands including Anytime Fitness, Cousins Subs, The UPS Store, Piggly Wiggly, FASTSIGNS, Ameriprise Financial, Culver’s ButterBurgers & Froze, Central Bark Doggy Day Care, and Budget Blinds.

Wyoming’s SBA loan recipients during this decade-long period exhibited distinct business characteristics, with companies averaging 3.5 years of operational history at loan origination and generating a collective 8,776 new employment opportunities, totaling $441,304,600 in SBA financing. The hospitality and food service sectors dominated loan activity, specifically Hotels (except Casino Hotels) and Motels, Full-Service Restaurants, Other Farm Product Raw Material Merchant Wholesalers, Limited-Service Restaurants, and General Automotive Repair emerging as the primary industries served. Geographically, loan distribution concentrated in Laramie, Sheridan, Big Horn, Natrona, and Park counties, while franchise operations frequently involved Super 8 by Wyndham, WaterStation, Domino’s Pizza, Best Western, Ziggi’s Coffee, Scooter’s Coffee, Synergy HomeCare, Subway, Rodeway Inn by Choice Hotels and Ramada by Wyndham establishments. Financial parameters revealed 976 total loan transactions with an average disbursement of $452,156 per recipient, structured across typical repayment periods of 126 months for Wyoming SBA 7a loans.

The Small Business Administration (SBA) loan data reveals interesting insights into how funding is distributed across the United States. States like California, Texas, and Florida consistently lead the nation in both the number of loans approved and the total loan volumes. For example, in 2024, California alone approved approximately 10,000 loans, amounting to $5 billion in funding. Texas followed closely with 8,500 loans totaling $4.2 billion, while Florida approved 7,000 loans, contributing $3.8 billion to its small business economy.

In contrast, smaller states such as Vermont and Wyoming typically see fewer loans approved each year. Their total loan volumes often remain under $100 million annually, reflecting the smaller scale of their business ecosystems. Despite these differences, the SBA’s programs, particularly the 7a and 504 loans, play a critical role in supporting businesses of all sizes across the country.

Regional trends also emerge from the data. The Southeast and Southwest regions often experience higher loan activity, driven by their growing small business sectors and entrepreneurial communities. These areas benefit from a combination of population growth, economic development, and a supportive business environment, which fuels demand for SBA-backed financing.

Overall, the SBA loan data highlights the vital role these programs play in fostering economic growth and supporting small businesses across the United States. Whether in high-volume states like California or smaller markets like Vermont, SBA loans provide essential resources to help businesses thrive.

The SBA 7a Loan Program is the most popular option for small businesses seeking flexible financing. These loans can be used for a variety of purposes, including working capital, purchasing equipment, refinancing debt, or even acquiring a business. Loan amounts can go up to $5 million, with competitive interest rates and repayment terms. To apply, businesses must meet SBA eligibility requirements, such as being a for-profit entity and operating in the U.S. Applications are submitted through SBA-approved lenders, who evaluate the business’s financial health and creditworthiness. A strong business plan and financial documentation are key to securing approval.

The SBA 504 Loan Program is designed for businesses looking to invest in fixed assets like real estate, machinery, or equipment. These loans offer long-term, fixed-rate financing, with amounts up to $5.5 million for eligible projects. The program requires collaboration between a Certified Development Company (CDC), a private lender, and the borrower, with the SBA guaranteeing a portion of the loan. To qualify, businesses must meet job creation or public policy goals. Applications are submitted through a CDC, and borrowers need to provide detailed project plans, financial statements, and demonstrate the ability to repay the loan.