States › Arizona › Yuma County
County7th of 14 in Arizona by approvalsFIPS 04027
SBA loans in Yuma 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 80 loans to businesses in Yuma County, Arizona, in FY2021 to FY2025, worth $37.0M: 65 under 7(a) and 15 under 504.
That is 23.7 approvals per 1,000 business establishments (3,376 establishments in 2023), below the Arizona figure of 43.1 and below the national 41.0.
It ranks 7th of 14 Arizona counties with approvals. In FY2025 there were 28, up 75% on FY2024.
32 lenders had approvals here; the most active were Zions Bank, A Division of (14), Wells Fargo Bank National Association (9) and Arizona Capital Source (7). 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 Yuma County
By number of approvals to businesses in the county, FY2021–FY2025; 32 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Zions Bank, A Division ofSalt Lake City, UT | 14 | $824K | 17.5% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 9 | $150K | 11.3% | |
| 3 | Arizona Capital SourceTucson, AZ · CDC | 7 | $4.1M | 8.8% | |
| 4 | Mortgage Capital Development CorporationOakland, CA · CDC | 6 | $8.0M | 7.5% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 4 | $600K | 5.0% | |
| 6 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $1.2M | 3.8% | |
| 7 | Lendistry SBLC, LLCLos Angeles, CA | 3 | $584K | 3.8% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $535K | 3.8% | |
| 9 | Northeast BankLewiston, ME | 3 | $323K | 3.8% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 3 | $222K | 3.8% | |
| 11 | WaFd BankSeattle, WA | 3 | $42K | 3.8% | |
| 12 | CDC Small Business Finance Corp.San Diego, CA · CDC | 2 | — | 2.5% | |
| 13 | United Business BankWalnut Creek, CA | 1 | — | 1.3% | |
| 14 | Enterprise Bank & TrustClayton, MO | 1 | — | 1.3% | |
| 15 | Summit State BankSanta Rosa, CA | 1 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 11.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 10.0% | |
| 3 | General Freight TruckingNAICS 4841 | 6 | 7.5% | |
| 4 | Traveler AccommodationNAICS 7211 | 4 | 5.0% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 5.0% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 4 | 5.0% | |
| 7 | Architectural and Structural Metals ManufacturingNAICS 3323 | 3 | 3.8% | |
| 8 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 2 | 2.5% | |
| 9 | Child Day Care ServicesNAICS 6244 | 2 | 2.5% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 13 | 16.3% | |
| 2 | Other Services (except Public Administration) | 11 | 13.8% | |
| 3 | Retail Trade | 9 | 11.3% | |
| 4 | Construction | 8 | 10.0% | |
| 5 | Transportation and Warehousing | 8 | 10.0% | |
| 6 | Manufacturing | 6 | 7.5% | |
| 7 | Health Care and Social Assistance | 5 | 6.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 5 | 6.3% |
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* | 19 | $3.7M | $81K | 2 | — | 21 | 129 |
| FY2025 | 24 | $2.6M | $50K | 4 | $2.5M | 28 | 135 |
| FY2024 | 13 | $2.6M | $108K | 3 | $2.5M | 16 | 100 |
| FY2023 | 14 | $5.5M | $150K | 1 | — | 15 | 114 |
| FY2022 | 6 | $6.9M | $246K | 5 | $3.1M | 11 | 63 |
| FY2021 | 8 | $6.2M | $926K | 2 | — | 10 | 352 |
| FY2020 | 13 | $8.2M | $553K | 4 | $2.9M | 17 | 148 |
| FY2019 | 13 | $5.6M | $240K | 3 | $5.9M | 16 | 79 |
| FY2018 | 14 | $4.3M | $25K | 4 | $2.4M | 18 | 111 |
| FY2017 | 13 | $2.6M | $147K | 1 | — | 14 | 39 |
| FY2016 | 18 | $11.8M | $258K | 1 | — | 19 | 144 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 84 approvals.
Against Arizona and the country
| FY2021–FY2025 | Yuma County | Arizona | United States |
|---|---|---|---|
| Approvals | 80 | 7,026 | 342,825 |
| Approvals per 1,000 establishments | 23.7 | 43.1 | 41.0 |
| Median 7(a) approval | $100K | $300K | $190K |
| Median 504 approval | $539K | $706K | $657K |
| Average approval | $463K | $686K | $573K |
| 504 share of approvals | 18.8% | 14.9% | 11.0% |
| Jobs supported per approval, as reported | 9.6 | 12.1 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less31.3%25
- $50,001 to $150,00022.5%18
- $150,001 to $350,00012.5%10
- $350,001 to $1 million23.8%19
- $1 million to $2 million6.3%5
- Over $2 million3.8%3
Age of the businesses
- Existing, more than 2 years old68.8%55
- New business, 2 years or less21.3%17
- Startup, loan funds will open the business7.5%6
- Change of ownership2.5%2
Questions and answers
Which lenders make the most SBA loans in Yuma County?
By approvals in FY2021 to FY2025: Zions Bank, A Division of (14), Wells Fargo Bank National Association (9), Arizona Capital Source (7), Mortgage Capital Development Corporation (6), BayFirst National Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Yuma County?
The median 7(a) approval was $100K and the median 504 approval $539K; the Arizona 7(a) median was $300K.
Which industries get the most SBA loans in Yuma County?
Restaurants and Other Eating Places (9); Automotive Repair and Maintenance (8); General Freight Trucking (6); Traveler Accommodation (4); Other Amusement and Recreation Industries (4).
Is SBA lending in Yuma County rising?
Approvals in the three latest complete fiscal years total 59, against 38 in the three before: rising (+55%).
How does Yuma County compare with the rest of Arizona?
23.7 approvals per 1,000 establishments against 43.1 statewide, and 80 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