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County5th of 60 in Colorado by approvalsFIPS 08001
SBA loans in Adams County, Colorado
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 Adams County, Colorado, received 702 SBA loan approvals worth $493M in FY2021 to FY2025 (635 7(a), 67 504).
That is 62.0 approvals per 1,000 business establishments (11,319 establishments in 2023), above the Colorado figure of 49.6 and above the national 41.0.
It ranks 5th of 60 Colorado counties with approvals. In FY2025 there were 192, up 21% on FY2024.
94 lenders had approvals here; the most active were The Huntington National Bank (73), U.S. Bank, National Association (49) and KeyBank National Association (42). The most common industry was building equipment contractors.
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 Adams County
By number of approvals to businesses in the county, FY2021–FY2025; 94 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 73 | $21.4M | 10.4% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 49 | $7.1M | 7.0% | |
| 3 | KeyBank National AssociationCleveland, OH | 42 | $9.1M | 6.0% | |
| 4 | B:Side CapitalDenver, CO · CDC | 40 | $42.4M | 5.7% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 40 | $16.2M | 5.7% | |
| 6 | Hanmi BankLos Angeles, CA | 28 | $35.8M | 4.0% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 23 | $27.3M | 3.3% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 22 | $9.5M | 3.1% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 19 | $8.9M | 2.7% | |
| 10 | Northeast BankLewiston, ME | 19 | $4.3M | 2.7% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 17 | $6.6M | 2.4% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 17 | $2.4M | 2.4% | |
| 13 | Zions Bank, A Division ofSalt Lake City, UT | 16 | $2.9M | 2.3% | |
| 14 | SouthState Bank, National AssociationWinter Haven, FL | 13 | $16.8M | 1.9% | |
| 15 | BMO Bank National AssociationChicago, IL | 13 | $9.0M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Building Equipment ContractorsNAICS 2382 | 47 | 6.7% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 46 | 6.6% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 43 | 6.1% | |
| 4 | Beer, Wine, and Liquor StoresNAICS 4453 | 41 | 5.8% | |
| 5 | General Freight TruckingNAICS 4841 | 27 | 3.8% | |
| 6 | Building Finishing ContractorsNAICS 2383 | 27 | 3.8% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 27 | 3.8% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 24 | 3.4% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 23 | 3.3% | |
| 10 | Personal Care ServicesNAICS 8121 | 22 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 152 | 21.7% | |
| 2 | Other Services (except Public Administration) | 92 | 13.1% | |
| 3 | Retail Trade | 87 | 12.4% | |
| 4 | Accommodation and Food Services | 65 | 9.3% | |
| 5 | Professional, Scientific, and Technical Services | 56 | 8.0% | |
| 6 | Manufacturing | 48 | 6.8% | |
| 7 | Transportation and Warehousing | 41 | 5.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 40 | 5.7% |
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* | 65 | $36.8M | $175K | 4 | $2.6M | 69 | 586 |
| FY2025 | 183 | $103M | $200K | 9 | $14.7M | 192 | 2,139 |
| FY2024 | 141 | $78.2M | $150K | 18 | $26.3M | 159 | 1,415 |
| FY2023 | 104 | $69.6M | $282K | 11 | $10.6M | 115 | 1,353 |
| FY2022 | 96 | $62.3M | $253K | 10 | $8.5M | 106 | 1,025 |
| FY2021 | 111 | $101M | $615K | 19 | $18.9M | 130 | 1,667 |
| FY2020 | 85 | $74.8M | $407K | 14 | $17.5M | 99 | 712 |
| FY2019 | 97 | $55.8M | $345K | 19 | $22.4M | 116 | 795 |
| FY2018 | 107 | $63.2M | $270K | 14 | $18.1M | 121 | 1,295 |
| FY2017 | 141 | $75.7M | $300K | 14 | $12.3M | 155 | 1,152 |
| FY2016 | 166 | $65.2M | $150K | 20 | $15.4M | 186 | 1,534 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 677 approvals.
Against Colorado and the country
| FY2021–FY2025 | Adams County | Colorado | United States |
|---|---|---|---|
| Approvals | 702 | 9,057 | 342,825 |
| Approvals per 1,000 establishments | 62.0 | 49.6 | 41.0 |
| Median 7(a) approval | $250K | $261K | $190K |
| Median 504 approval | $864K | $612K | $657K |
| Average approval | $702K | $645K | $573K |
| 504 share of approvals | 9.5% | 11.1% | 11.0% |
| Jobs supported per approval, as reported | 10.8 | 10.6 | 10.5 |
| Share of state approvals | 7.8% | 100.0% | — |
Approval sizes
- $50,000 or less22.8%160
- $50,001 to $150,00015.7%110
- $150,001 to $350,00016.7%117
- $350,001 to $1 million22.2%156
- $1 million to $2 million13.7%96
- Over $2 million9.0%63
Age of the businesses
- Existing, more than 2 years old55.6%390
- New business, 2 years or less17.4%122
- Startup, loan funds will open the business13.2%93
- Change of ownership13.8%97
Questions and answers
Which lenders make the most SBA loans in Adams County?
By approvals in FY2021 to FY2025: The Huntington National Bank (73), U.S. Bank, National Association (49), KeyBank National Association (42), B:Side Capital (40), Wells Fargo Bank National Association (40). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Adams County?
The median 7(a) approval was $250K and the median 504 approval $864K; the Colorado 7(a) median was $261K.
Which industries get the most SBA loans in Adams County?
Building Equipment Contractors (47); Automotive Repair and Maintenance (46); Restaurants and Other Eating Places (43); Beer, Wine, and Liquor Stores (41); General Freight Trucking (27).
Is SBA lending in Adams County rising?
Approvals in the three latest complete fiscal years total 466, against 335 in the three before: rising (+39%).
How does Adams County compare with the rest of Colorado?
62.0 approvals per 1,000 establishments against 49.6 statewide, and 702 of the state's 9,057 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