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County6th of 71 in Arkansas by approvalsFIPS 05125
SBA loans in Saline County, Arkansas
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 78 loans to businesses in Saline County, Arkansas, in FY2021 to FY2025, worth $30.1M: 72 under 7(a) and 6 under 504.
That is 32.6 approvals per 1,000 business establishments (2,389 establishments in 2023), above the Arkansas figure of 23.9 and below the national 41.0.
It ranks 6th of 71 Arkansas counties with approvals. In FY2025 there were 23.
27 lenders had approvals here; the most active were Arvest Bank (15), First Security Bank (9) and U.S. Bank, National Association (8). The most common industry was general freight trucking.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Saline County
By number of approvals to businesses in the county, FY2021–FY2025; 27 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Arvest BankFayetteville, AR | 15 | $1.7M | 19.2% | |
| 2 | First Security BankSearcy, AR | 9 | $2.6M | 11.5% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 8 | $386K | 10.3% | |
| 4 | Rural Missouri, Inc.Jefferson City, MO · CDC | 6 | $3.4M | 7.7% | |
| 5 | ACC CapitalLittle Rock, AR | 4 | $865K | 5.1% | |
| 6 | Byline BankChicago, IL | 3 | $3.6M | 3.8% | |
| 7 | Southern Bancorp BankArkadelphia, AR | 3 | $3.4M | 3.8% | |
| 8 | Simmons BankPine Bluff, AR | 3 | $1.2M | 3.8% | |
| 9 | Bank OZKLittle Rock, AR | 3 | $1.2M | 3.8% | |
| 10 | Regions BankBirmingham, AL | 2 | — | 2.6% | |
| 11 | Arkansas FCULittle Rock, AR | 2 | — | 2.6% | |
| 12 | The Huntington National BankColumbus, OH | 2 | — | 2.6% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 2.6% | |
| 14 | Northeast BankLewiston, ME | 2 | — | 2.6% | |
| 15 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 6 | 7.7% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 4 | 5.1% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 5.1% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 4 | 5.1% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 4 | 5.1% | |
| 6 | Health and Personal Care StoresNAICS 4461 | 3 | 3.8% | |
| 7 | Other Personal ServicesNAICS 8129 | 3 | 3.8% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 3.8% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.8% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 12 | 15.4% | |
| 2 | Retail Trade | 10 | 12.8% | |
| 3 | Health Care and Social Assistance | 9 | 11.5% | |
| 4 | Other Services (except Public Administration) | 8 | 10.3% | |
| 5 | Professional, Scientific, and Technical Services | 7 | 9.0% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 7 | 9.0% | |
| 7 | Transportation and Warehousing | 6 | 7.7% | |
| 8 | Accommodation and Food Services | 6 | 7.7% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 7 | $877K | $125K | 0 | — | 7 | 16 |
| FY2025 | 22 | $6.7M | $150K | 1 | — | 23 | 228 |
| FY2024 | 7 | $2.5M | $212K | 0 | — | 7 | 51 |
| FY2023 | 15 | $4.4M | $72K | 1 | — | 16 | 70 |
| FY2022 | 19 | $8.4M | $273K | 3 | $1.8M | 22 | 186 |
| FY2021 | 9 | $4.7M | $70K | 1 | — | 10 | 150 |
| FY2020 | 10 | $1.2M | $65K | 0 | — | 10 | 77 |
| FY2019 | 3 | $435K | $150K | 1 | — | 4 | 75 |
| FY2018 | 15 | $2.2M | $105K | 0 | — | 15 | 99 |
| FY2017 | 4 | $1.5M | $78K | 0 | — | 4 | 8 |
| FY2016 | 13 | $5.5M | $278K | 0 | — | 13 | 147 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 46 approvals.
Against Arkansas and the country
| FY2021–FY2025 | Saline County | Arkansas | United States |
|---|---|---|---|
| Approvals | 78 | 1,686 | 342,825 |
| Approvals per 1,000 establishments | 32.6 | 23.9 | 41.0 |
| Median 7(a) approval | $170K | $234K | $190K |
| Median 504 approval | $626K | $569K | $657K |
| Average approval | $386K | $622K | $573K |
| 504 share of approvals | 7.7% | 7.2% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 10.5 | 10.5 |
| Share of state approvals | 4.6% | 100.0% | — |
Approval sizes
- $50,000 or less24.4%19
- $50,001 to $150,00020.5%16
- $150,001 to $350,00025.6%20
- $350,001 to $1 million17.9%14
- $1 million to $2 million9.0%7
- Over $2 million2.6%2
Age of the businesses
- Existing, more than 2 years old41.0%32
- New business, 2 years or less14.1%11
- Startup, loan funds will open the business38.5%30
- Change of ownership6.4%5
Questions and answers
Which lenders make the most SBA loans in Saline County?
By approvals in FY2021 to FY2025: Arvest Bank (15), First Security Bank (9), U.S. Bank, National Association (8), Rural Missouri, Inc. (6), ACC Capital (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Saline County?
The median 7(a) approval was $170K and the median 504 approval $626K; the Arkansas 7(a) median was $234K.
Which industries get the most SBA loans in Saline County?
General Freight Trucking (6); Building Equipment Contractors (4); Restaurants and Other Eating Places (4); Services to Buildings and Dwellings (4); Offices of Other Health Practitioners (4).
Is SBA lending in Saline County rising?
Approvals in the three latest complete fiscal years total 46, against 42 in the three before: rising (+10%).
How does Saline County compare with the rest of Arkansas?
32.6 approvals per 1,000 establishments against 23.9 statewide, and 78 of the state's 1,686 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error