States › Arkansas › White County
County11th of 71 in Arkansas by approvalsFIPS 05145
SBA loans in White 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.
Businesses in White County, Arkansas, received 34 SBA loan approvals worth $23.4M in FY2021 to FY2025 (31 7(a), 3 504).
That is 20.8 approvals per 1,000 business establishments (1,637 establishments in 2023), close to the Arkansas figure of 23.9 and below the national 41.0.
It ranks 11th of 71 Arkansas counties with approvals. In FY2025 there were 9.
22 lenders had approvals here; the most active were Northeast Bank (4), First Financial Bank (3) and Rural Missouri, Inc. (2). The most common industry was poultry and egg production.
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 White County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Northeast BankLewiston, ME | 4 | $1.0M | 11.8% | |
| 2 | First Financial BankEl Dorado, AR | 3 | $6.1M | 8.8% | |
| 3 | Rural Missouri, Inc.Jefferson City, MO · CDC | 2 | — | 5.9% | |
| 4 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 5.9% | |
| 5 | First Service BankGreenbrier, AR | 2 | — | 5.9% | |
| 6 | Southern BankPoplar Bluff, MO | 2 | — | 5.9% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 5.9% | |
| 8 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 5.9% | |
| 9 | First Security BankSearcy, AR | 2 | — | 5.9% | |
| 10 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 2.9% | |
| 11 | First Bank of the LakeOsage Beach, MO | 1 | — | 2.9% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 1 | — | 2.9% | |
| 13 | ACC CapitalLittle Rock, AR | 1 | — | 2.9% | |
| 14 | Six Bridges Capital CorporationLittle Rock, AR · CDC | 1 | — | 2.9% | |
| 15 | Arkansas FCULittle Rock, AR | 1 | — | 2.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Poultry and Egg ProductionNAICS 1123 | 3 | 8.8% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 8.8% | |
| 3 | Other Miscellaneous RetailersNAICS 4599 | 2 | 5.9% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 5.9% | |
| 5 | General Freight TruckingNAICS 4841 | 2 | 5.9% | |
| 6 | Electronic and Precision Equipment Repair and MaintenanceNAICS 8112 | 2 | 5.9% | |
| 7 | Offices of DentistsNAICS 6212 | 2 | 5.9% | |
| 8 | FloristsNAICS 4593 | 2 | 5.9% | |
| 9 | Lessors of Real EstateNAICS 5311 | 1 | 2.9% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 1 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 8 | 23.5% | |
| 2 | Other Services (except Public Administration) | 6 | 17.6% | |
| 3 | Accommodation and Food Services | 4 | 11.8% | |
| 4 | Construction | 4 | 11.8% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 3 | 8.8% | |
| 6 | Transportation and Warehousing | 2 | 5.9% | |
| 7 | Health Care and Social Assistance | 2 | 5.9% | |
| 8 | Professional, Scientific, and Technical Services | 2 | 5.9% |
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* | 5 | $5.8M | $410K | 0 | — | 5 | 39 |
| FY2025 | 9 | $7.6M | $250K | 0 | — | 9 | 51 |
| FY2024 | 9 | $4.5M | $253K | 0 | — | 9 | 84 |
| FY2023 | 5 | $2.0M | $313K | 1 | — | 6 | 35 |
| FY2022 | 4 | $1.9M | $113K | 2 | — | 6 | 51 |
| FY2021 | 4 | $3.8M | $253K | 0 | — | 4 | 28 |
| FY2020 | 4 | $993K | $239K | 0 | — | 4 | 41 |
| FY2019 | 7 | $1.4M | $248K | 0 | — | 7 | 56 |
| FY2018 | 4 | $6.7M | $1.5M | 0 | — | 4 | 21 |
| FY2017 | 5 | $1.9M | $135K | 0 | — | 5 | 65 |
| FY2016 | 4 | $1.5M | $363K | 0 | — | 4 | 22 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 24 approvals.
Against Arkansas and the country
| FY2021–FY2025 | White County | Arkansas | United States |
|---|---|---|---|
| Approvals | 34 | 1,686 | 342,825 |
| Approvals per 1,000 establishments | 20.8 | 23.9 | 41.0 |
| Median 7(a) approval | $250K | $234K | $190K |
| Median 504 approval | $846K | $569K | $657K |
| Average approval | $688K | $622K | $573K |
| 504 share of approvals | 8.8% | 7.2% | 11.0% |
| Jobs supported per approval, as reported | 7.3 | 10.5 | 10.5 |
| Share of state approvals | 2.0% | 100.0% | — |
Approval sizes
- $50,000 or less8.8%3
- $50,001 to $150,00023.5%8
- $150,001 to $350,00029.4%10
- $350,001 to $1 million14.7%5
- $1 million to $2 million5.9%2
- Over $2 million17.6%6
Age of the businesses
- Existing, more than 2 years old64.7%22
- New business, 2 years or less2.9%1
- Startup, loan funds will open the business14.7%5
- Change of ownership17.6%6
Questions and answers
Which lenders make the most SBA loans in White County?
By approvals in FY2021 to FY2025: Northeast Bank (4), First Financial Bank (3), Rural Missouri, Inc. (2), Lendistry SBLC, LLC (2), First Service Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in White County?
The median 7(a) approval was $250K and the median 504 approval $846K; the Arkansas 7(a) median was $234K.
Which industries get the most SBA loans in White County?
Poultry and Egg Production (3); Other Specialty Trade Contractors (3); Other Miscellaneous Retailers (2); Restaurants and Other Eating Places (2); General Freight Trucking (2).
Is SBA lending in White County rising?
Approvals in the three latest complete fiscal years total 24, against 14 in the three before: rising (+71%).
How does White County compare with the rest of Arkansas?
20.8 approvals per 1,000 establishments against 23.9 statewide, and 34 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