States › Arizona › Yavapai County
County3rd of 14 in Arizona by approvalsFIPS 04025
SBA loans in Yavapai 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 Yavapai County, Arizona, received 262 SBA loan approvals worth $191M in FY2021 to FY2025 (212 7(a), 50 504).
That is 39.9 approvals per 1,000 business establishments (6,559 establishments in 2023), close to the Arizona figure of 43.1 and close to the national 41.0.
It ranks 3rd of 14 Arizona counties with approvals. In FY2025 there were 62, down 9% on FY2024.
66 lenders had approvals here; the most active were Mortgage Capital Development Corporation (26), Zions Bank, A Division of (25) and Arizona Capital Source (20). 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 Yavapai County
By number of approvals to businesses in the county, FY2021–FY2025; 66 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mortgage Capital Development CorporationOakland, CA · CDC | 26 | $20.9M | 9.9% | |
| 2 | Zions Bank, A Division ofSalt Lake City, UT | 25 | $11.9M | 9.5% | |
| 3 | Arizona Capital SourceTucson, AZ · CDC | 20 | $16.3M | 7.6% | |
| 4 | St. Louis BankSt. Louis, MO | 19 | $15.4M | 7.3% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 12 | $2.3M | 4.6% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $6.5M | 3.8% | |
| 7 | The Huntington National BankColumbus, OH | 10 | $2.7M | 3.8% | |
| 8 | Celtic Bank CorporationSalt Lake City, UT | 9 | $10.9M | 3.4% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 8 | $7.1M | 3.1% | |
| 10 | Midwest Regional BankFestus, MO | 7 | $9.2M | 2.7% | |
| 11 | Northeast BankLewiston, ME | 7 | $1.0M | 2.7% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 6 | $488K | 2.3% | |
| 13 | America First Federal Credit UnionRiverdale, UT | 5 | $2.5M | 1.9% | |
| 14 | Arizona Capital SourceTucson, AZ | 5 | $975K | 1.9% | |
| 15 | CDC Small Business Finance Corp.San Diego, CA · CDC | 4 | $3.6M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 33 | 12.6% | |
| 2 | Traveler AccommodationNAICS 7211 | 14 | 5.3% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 13 | 5.0% | |
| 4 | Lessors of Real EstateNAICS 5311 | 12 | 4.6% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 10 | 3.8% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 10 | 3.8% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 3.4% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 8 | 3.1% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 8 | 3.1% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 7 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 54 | 20.6% | |
| 2 | Construction | 37 | 14.1% | |
| 3 | Health Care and Social Assistance | 28 | 10.7% | |
| 4 | Manufacturing | 26 | 9.9% | |
| 5 | Other Services (except Public Administration) | 25 | 9.5% | |
| 6 | Retail Trade | 20 | 7.6% | |
| 7 | Real Estate and Rental and Leasing | 16 | 6.1% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 13 | 5.0% |
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* | 39 | $20.7M | $200K | 2 | — | 41 | 224 |
| FY2025 | 56 | $41.1M | $296K | 6 | $2.9M | 62 | 601 |
| FY2024 | 57 | $30.7M | $250K | 11 | $9.4M | 68 | 750 |
| FY2023 | 25 | $24.7M | $432K | 5 | $2.1M | 30 | 393 |
| FY2022 | 28 | $24.4M | $654K | 21 | $21.0M | 49 | 596 |
| FY2021 | 46 | $29.4M | $500K | 7 | $5.3M | 53 | 553 |
| FY2020 | 36 | $25.4M | $665K | 5 | $1.9M | 41 | 532 |
| FY2019 | 33 | $17.7M | $300K | 6 | $6.7M | 39 | 289 |
| FY2018 | 51 | $35.1M | $261K | 3 | $667K | 54 | 431 |
| FY2017 | 37 | $19.8M | $350K | 4 | $4.4M | 41 | 451 |
| FY2016 | 43 | $23.8M | $207K | 5 | $2.3M | 48 | 467 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 223 approvals.
Against Arizona and the country
| FY2021–FY2025 | Yavapai County | Arizona | United States |
|---|---|---|---|
| Approvals | 262 | 7,026 | 342,825 |
| Approvals per 1,000 establishments | 39.9 | 43.1 | 41.0 |
| Median 7(a) approval | $350K | $300K | $190K |
| Median 504 approval | $700K | $706K | $657K |
| Average approval | $729K | $686K | $573K |
| 504 share of approvals | 19.1% | 14.9% | 11.0% |
| Jobs supported per approval, as reported | 11.0 | 12.1 | 10.5 |
| Share of state approvals | 3.7% | 100.0% | — |
Approval sizes
- $50,000 or less9.2%24
- $50,001 to $150,00013.7%36
- $150,001 to $350,00022.5%59
- $350,001 to $1 million31.7%83
- $1 million to $2 million14.1%37
- Over $2 million8.8%23
Age of the businesses
- Existing, more than 2 years old53.8%141
- New business, 2 years or less14.5%38
- Startup, loan funds will open the business12.6%33
- Change of ownership19.1%50
Questions and answers
Which lenders make the most SBA loans in Yavapai County?
By approvals in FY2021 to FY2025: Mortgage Capital Development Corporation (26), Zions Bank, A Division of (25), Arizona Capital Source (20), St. Louis Bank (19), Newtek Bank, National Association (12). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Yavapai County?
The median 7(a) approval was $350K and the median 504 approval $700K; the Arizona 7(a) median was $300K.
Which industries get the most SBA loans in Yavapai County?
Restaurants and Other Eating Places (33); Traveler Accommodation (14); Automotive Repair and Maintenance (13); Lessors of Real Estate (12); Offices of Other Health Practitioners (10).
Is SBA lending in Yavapai County rising?
Approvals in the three latest complete fiscal years total 160, against 143 in the three before: rising (+12%).
How does Yavapai County compare with the rest of Arizona?
39.9 approvals per 1,000 establishments against 43.1 statewide, and 262 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