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County9th of 14 in Arizona by approvalsFIPS 04003
SBA loans in Cochise County, Arizona
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 74 loans to businesses in Cochise County, Arizona, in FY2021 to FY2025, worth $47.0M: 68 under 7(a) and 6 under 504.
That is 33.8 approvals per 1,000 business establishments (2,189 establishments in 2023), below the Arizona figure of 43.1 and below the national 41.0.
It ranks 9th of 14 Arizona counties with approvals. In FY2025 there were 24, up 100% on FY2024.
33 lenders had approvals here; the most active were Zions Bank, A Division of (12), Live Oak Banking Company (7) and Wells Fargo Bank National Association (6). The most common industry was traveler accommodation.
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 Cochise County
By number of approvals to businesses in the county, FY2021–FY2025; 33 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 12 | $1.1M | 16.2% | |
| 2 | Live Oak Banking CompanyWilmington, NC | 7 | $8.2M | 9.5% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $105K | 8.1% | |
| 4 | The Huntington National BankColumbus, OH | 5 | $1.1M | 6.8% | |
| 5 | Celtic Bank CorporationSalt Lake City, UT | 4 | $5.7M | 5.4% | |
| 6 | U.S. Bank, National AssociationCincinnati, OH | 4 | $137K | 5.4% | |
| 7 | Mortgage Capital Development CorporationOakland, CA · CDC | 3 | $3.4M | 4.1% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $3.1M | 4.1% | |
| 9 | Midwest Regional BankFestus, MO | 2 | — | 2.7% | |
| 10 | America First Federal Credit UnionRiverdale, UT | 2 | — | 2.7% | |
| 11 | Arizona Capital SourceTucson, AZ · CDC | 2 | — | 2.7% | |
| 12 | Western BankLordsburg, NM | 2 | — | 2.7% | |
| 13 | Northeast BankLewiston, ME | 2 | — | 2.7% | |
| 14 | US Metro BankGarden Grove, CA | 1 | — | 1.4% | |
| 15 | Centerstone SBA Lending, Inc.Los Angeles, CA | 1 | — | 1.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 10 | 13.5% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 8.1% | |
| 3 | Building Material and Supplies DealersNAICS 4441 | 4 | 5.4% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 4.1% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.1% | |
| 6 | General Freight TruckingNAICS 4841 | 3 | 4.1% | |
| 7 | Gasoline StationsNAICS 4571 | 2 | 2.7% | |
| 8 | Offices of DentistsNAICS 6212 | 2 | 2.7% | |
| 9 | Architectural and Structural Metals ManufacturingNAICS 3323 | 2 | 2.7% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 2 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 17 | 23.0% | |
| 2 | Retail Trade | 14 | 18.9% | |
| 3 | Health Care and Social Assistance | 7 | 9.5% | |
| 4 | Construction | 7 | 9.5% | |
| 5 | Professional, Scientific, and Technical Services | 4 | 5.4% | |
| 6 | Manufacturing | 4 | 5.4% | |
| 7 | Other Services (except Public Administration) | 4 | 5.4% | |
| 8 | Real Estate and Rental and Leasing | 4 | 5.4% |
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* | 12 | $3.3M | $125K | 1 | — | 13 | 73 |
| FY2025 | 22 | $11.3M | $118K | 2 | — | 24 | 292 |
| FY2024 | 12 | $8.5M | $97K | 0 | — | 12 | 83 |
| FY2023 | 12 | $7.8M | $358K | 1 | — | 13 | 62 |
| FY2022 | 8 | $2.3M | $235K | 2 | — | 10 | 94 |
| FY2021 | 14 | $11.6M | $455K | 1 | — | 15 | 146 |
| FY2020 | 7 | $5.0M | $360K | 1 | — | 8 | 63 |
| FY2019 | 12 | $13.1M | $633K | 1 | — | 13 | 247 |
| FY2018 | 11 | $1.4M | $75K | 0 | — | 11 | 34 |
| FY2017 | 22 | $12.5M | $301K | 1 | — | 23 | 201 |
| FY2016 | 21 | $9.2M | $117K | 0 | — | 21 | 165 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 76 approvals.
Against Arizona and the country
| FY2021–FY2025 | Cochise County | Arizona | United States |
|---|---|---|---|
| Approvals | 74 | 7,026 | 342,825 |
| Approvals per 1,000 establishments | 33.8 | 43.1 | 41.0 |
| Median 7(a) approval | $160K | $300K | $190K |
| Median 504 approval | $432K | $706K | $657K |
| Average approval | $635K | $686K | $573K |
| 504 share of approvals | 8.1% | 14.9% | 11.0% |
| Jobs supported per approval, as reported | 9.1 | 12.1 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less27.0%20
- $50,001 to $150,00018.9%14
- $150,001 to $350,0009.5%7
- $350,001 to $1 million21.6%16
- $1 million to $2 million13.5%10
- Over $2 million9.5%7
Age of the businesses
- Existing, more than 2 years old43.2%32
- New business, 2 years or less25.7%19
- Startup, loan funds will open the business16.2%12
- Change of ownership14.9%11
Questions and answers
Which lenders make the most SBA loans in Cochise County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (12), Live Oak Banking Company (7), Wells Fargo Bank National Association (6), The Huntington National Bank (5), Celtic Bank Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Cochise County?
The median 7(a) approval was $160K and the median 504 approval $432K; the Arizona 7(a) median was $300K.
Which industries get the most SBA loans in Cochise County?
Traveler Accommodation (10); Restaurants and Other Eating Places (6); Building Material and Supplies Dealers (4); Automotive Repair and Maintenance (3); Other Amusement and Recreation Industries (3).
Is SBA lending in Cochise County rising?
Approvals in the three latest complete fiscal years total 49, against 33 in the three before: rising (+48%).
How does Cochise County compare with the rest of Arizona?
33.8 approvals per 1,000 establishments against 43.1 statewide, and 74 of the state's 7,026 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