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County2nd of 14 in Arizona by approvalsFIPS 04019
SBA loans in Pima 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 Pima County, Arizona, received 719 SBA loan approvals worth $464M in FY2021 to FY2025 (641 7(a), 78 504).
That is 33.6 approvals per 1,000 business establishments (21,381 establishments in 2023), below the Arizona figure of 43.1 and below the national 41.0.
It ranks 2nd of 14 Arizona counties with approvals. In FY2025 there were 193, up 18% on FY2024.
96 lenders had approvals here; the most active were Wells Fargo Bank National Association (68), Arizona Capital Source (51) and U.S. Bank, National Association (43). 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 Pima County
By number of approvals to businesses in the county, FY2021–FY2025; 96 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 68 | $27.4M | 9.5% | |
| 2 | Arizona Capital SourceTucson, AZ · CDC | 51 | $41.8M | 7.1% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 43 | $6.0M | 6.0% | |
| 4 | Zions Bank, A Division ofSalt Lake City, UT | 39 | $20.8M | 5.4% | |
| 5 | The Huntington National BankColumbus, OH | 37 | $16.3M | 5.1% | |
| 6 | America First Federal Credit UnionRiverdale, UT | 29 | $30.2M | 4.0% | |
| 7 | JPMorgan Chase Bank, National AssociationColumbus, OH | 26 | $7.5M | 3.6% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 25 | $6.5M | 3.5% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 23 | $26.5M | 3.2% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 23 | $11.3M | 3.2% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 23 | $3.6M | 3.2% | |
| 12 | Northeast BankLewiston, ME | 22 | $3.1M | 3.1% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 21 | $11.2M | 2.9% | |
| 14 | United Midwest Savings Bank National AssociationDe Graff, OH | 20 | $9.7M | 2.8% | |
| 15 | Mortgage Capital Development CorporationOakland, CA · CDC | 16 | $28.0M | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 62 | 8.6% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 37 | 5.1% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 34 | 4.7% | |
| 4 | Personal Care ServicesNAICS 8121 | 28 | 3.9% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 24 | 3.3% | |
| 6 | Traveler AccommodationNAICS 7211 | 21 | 2.9% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 20 | 2.8% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 20 | 2.8% | |
| 9 | Offices of PhysiciansNAICS 6211 | 17 | 2.4% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 17 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 106 | 14.7% | |
| 2 | Health Care and Social Assistance | 103 | 14.3% | |
| 3 | Accommodation and Food Services | 93 | 12.9% | |
| 4 | Other Services (except Public Administration) | 84 | 11.7% | |
| 5 | Retail Trade | 77 | 10.7% | |
| 6 | Professional, Scientific, and Technical Services | 67 | 9.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 40 | 5.6% | |
| 8 | Manufacturing | 30 | 4.2% |
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* | 99 | $69.2M | $338K | 9 | $6.7M | 108 | 1,287 |
| FY2025 | 183 | $76.7M | $232K | 10 | $11.5M | 193 | 1,876 |
| FY2024 | 146 | $73.0M | $250K | 18 | $19.7M | 164 | 1,525 |
| FY2023 | 118 | $69.5M | $252K | 11 | $15.2M | 129 | 1,538 |
| FY2022 | 87 | $57.5M | $350K | 17 | $15.5M | 104 | 1,163 |
| FY2021 | 107 | $112M | $490K | 22 | $13.8M | 129 | 1,870 |
| FY2020 | 100 | $40.3M | $258K | 16 | $10.3M | 116 | 1,138 |
| FY2019 | 104 | $41.7M | $158K | 18 | $10.9M | 122 | 1,385 |
| FY2018 | 149 | $61.7M | $150K | 10 | $11.2M | 159 | 1,963 |
| FY2017 | 152 | $69.3M | $191K | 7 | $3.1M | 159 | 2,125 |
| FY2016 | 156 | $41.9M | $111K | 10 | $4.8M | 166 | 2,005 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 722 approvals.
Against Arizona and the country
| FY2021–FY2025 | Pima County | Arizona | United States |
|---|---|---|---|
| Approvals | 719 | 7,026 | 342,825 |
| Approvals per 1,000 establishments | 33.6 | 43.1 | 41.0 |
| Median 7(a) approval | $295K | $300K | $190K |
| Median 504 approval | $617K | $706K | $657K |
| Average approval | $646K | $686K | $573K |
| 504 share of approvals | 10.8% | 14.9% | 11.0% |
| Jobs supported per approval, as reported | 11.1 | 12.1 | 10.5 |
| Share of state approvals | 10.2% | 100.0% | — |
Approval sizes
- $50,000 or less18.8%135
- $50,001 to $150,00015.6%112
- $150,001 to $350,00020.0%144
- $350,001 to $1 million26.8%193
- $1 million to $2 million10.6%76
- Over $2 million8.2%59
Age of the businesses
- Existing, more than 2 years old53.3%383
- New business, 2 years or less19.7%142
- Startup, loan funds will open the business16.7%120
- Change of ownership10.3%74
Questions and answers
Which lenders make the most SBA loans in Pima County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (68), Arizona Capital Source (51), U.S. Bank, National Association (43), Zions Bank, A Division of (39), The Huntington National Bank (37). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Pima County?
The median 7(a) approval was $295K and the median 504 approval $617K; the Arizona 7(a) median was $300K.
Which industries get the most SBA loans in Pima County?
Restaurants and Other Eating Places (62); Building Equipment Contractors (37); Offices of Other Health Practitioners (34); Personal Care Services (28); Automotive Repair and Maintenance (24).
Is SBA lending in Pima County rising?
Approvals in the three latest complete fiscal years total 486, against 349 in the three before: rising (+39%).
How does Pima County compare with the rest of Arizona?
33.6 approvals per 1,000 establishments against 43.1 statewide, and 719 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