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County10th of 14 in Arizona by approvalsFIPS 04007
SBA loans in Gila 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.
Businesses in Gila County, Arizona, received 32 SBA loan approvals worth $17.6M in FY2021 to FY2025 (29 7(a), 3 504).
That is 30.0 approvals per 1,000 business establishments (1,065 establishments in 2023), below the Arizona figure of 43.1 and below the national 41.0.
It ranks 10th of 14 Arizona counties with approvals. In FY2025 there were 7, down 50% on FY2024.
18 lenders had approvals here; the most active were Zions Bank, A Division of (9), Mortgage Capital Development Corporation (2) and VelocitySBA, LLC (2). The most common industry was restaurants and other eating places.
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 Gila County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 9 | $722K | 28.1% | |
| 2 | Mortgage Capital Development CorporationOakland, CA · CDC | 2 | — | 6.3% | |
| 3 | VelocitySBA, LLCIrving, TX | 2 | — | 6.3% | |
| 4 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 6.3% | |
| 5 | Enterprise Bank & TrustClayton, MO | 2 | — | 6.3% | |
| 6 | Frontwave Credit UnionOceanside, CA | 2 | — | 6.3% | |
| 7 | PNC Bank, National AssociationWilmington, DE | 2 | — | 6.3% | |
| 8 | Arizona Capital SourceTucson, AZ · CDC | 1 | — | 3.1% | |
| 9 | Mission Valley BankSun Valley, CA | 1 | — | 3.1% | |
| 10 | Banc of CaliforniaLos Angeles, CA | 1 | — | 3.1% | |
| 11 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 3.1% | |
| 12 | American Momentum BankCollege Station, TX | 1 | — | 3.1% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 1 | — | 3.1% | |
| 14 | FWBankChicago, IL | 1 | — | 3.1% | |
| 15 | Alerus Financial, National AssociationGrand Forks, ND | 1 | — | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 18.8% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 9.4% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 6.3% | |
| 4 | Lessors of Real EstateNAICS 5311 | 2 | 6.3% | |
| 5 | Building Finishing ContractorsNAICS 2383 | 2 | 6.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 2 | 6.3% | |
| 7 | Residential Building ConstructionNAICS 2361 | 2 | 6.3% | |
| 8 | Lumber and Other Construction Materials Merchant WholesalersNAICS 4233 | 1 | 3.1% | |
| 9 | Traveler AccommodationNAICS 7211 | 1 | 3.1% | |
| 10 | Support Activities for Road TransportationNAICS 4884 | 1 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 8 | 25.0% | |
| 2 | Construction | 8 | 25.0% | |
| 3 | Health Care and Social Assistance | 4 | 12.5% | |
| 4 | Retail Trade | 3 | 9.4% | |
| 5 | Other Services (except Public Administration) | 2 | 6.3% | |
| 6 | Real Estate and Rental and Leasing | 2 | 6.3% | |
| 7 | Manufacturing | 2 | 6.3% | |
| 8 | Wholesale Trade | 1 | 3.1% |
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 | $341K | $23K | 1 | — | 6 | 24 |
| FY2025 | 6 | $4.2M | $348K | 1 | — | 7 | 91 |
| FY2024 | 14 | $5.8M | $296K | 0 | — | 14 | 52 |
| FY2023 | 5 | $1.2M | $213K | 0 | — | 5 | 35 |
| FY2022 | 2 | — | — | 1 | — | 3 | 36 |
| FY2021 | 2 | — | — | 1 | — | 3 | 32 |
| FY2020 | 9 | $7.8M | $418K | 0 | — | 9 | 84 |
| FY2019 | 8 | $4.4M | $451K | 0 | — | 8 | 75 |
| FY2018 | 7 | $1.9M | $100K | 0 | — | 7 | 35 |
| FY2017 | 10 | $12.0M | $893K | 1 | — | 11 | 60 |
| FY2016 | 9 | $7.5M | $200K | 1 | — | 10 | 85 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 45 approvals.
Against Arizona and the country
| FY2021–FY2025 | Gila County | Arizona | United States |
|---|---|---|---|
| Approvals | 32 | 7,026 | 342,825 |
| Approvals per 1,000 establishments | 30.0 | 43.1 | 41.0 |
| Median 7(a) approval | $250K | $300K | $190K |
| Median 504 approval | $1.8M | $706K | $657K |
| Average approval | $552K | $686K | $573K |
| 504 share of approvals | 9.4% | 14.9% | 11.0% |
| Jobs supported per approval, as reported | 7.7 | 12.1 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less31.3%10
- $50,001 to $150,0003.1%1
- $150,001 to $350,00018.8%6
- $350,001 to $1 million28.1%9
- $1 million to $2 million15.6%5
- Over $2 million3.1%1
Age of the businesses
- Existing, more than 2 years old75.0%24
- New business, 2 years or less15.6%5
- Change of ownership9.4%3
Questions and answers
Which lenders make the most SBA loans in Gila County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (9), Mortgage Capital Development Corporation (2), VelocitySBA, LLC (2), United Midwest Savings Bank National Association (2), Enterprise Bank & Trust (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Gila County?
The median 7(a) approval was $250K and the median 504 approval $1.8M; the Arizona 7(a) median was $300K.
Which industries get the most SBA loans in Gila County?
Restaurants and Other Eating Places (6); Other Specialty Trade Contractors (3); Automotive Repair and Maintenance (2); Lessors of Real Estate (2); Building Finishing Contractors (2).
Is SBA lending in Gila County rising?
Approvals in the three latest complete fiscal years total 26, against 15 in the three before: rising (+73%).
How does Gila County compare with the rest of Arizona?
30.0 approvals per 1,000 establishments against 43.1 statewide, and 32 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