States › Colorado › Eagle County
County16th of 60 in Colorado by approvalsFIPS 08037
SBA loans in Eagle 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 Eagle County, Colorado, received 100 SBA loan approvals worth $67.2M in FY2021 to FY2025 (77 7(a), 23 504).
That is 27.3 approvals per 1,000 business establishments (3,664 establishments in 2023), below the Colorado figure of 49.6 and below the national 41.0.
It ranks 16th of 60 Colorado counties with approvals. In FY2025 there were 31, up 35% on FY2024.
33 lenders had approvals here; the most active were B:Side Capital (22), U.S. Bank, National Association (17) and The Huntington National Bank (8). 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 Eagle County
By number of approvals to businesses in the county, FY2021–FY2025; 33 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | B:Side CapitalDenver, CO · CDC | 22 | $12.8M | 22.0% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 17 | $3.5M | 17.0% | |
| 3 | The Huntington National BankColumbus, OH | 8 | $2.1M | 8.0% | |
| 4 | First Internet Bank of IndianaFishers, IN | 5 | $4.8M | 5.0% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $1.9M | 5.0% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $1.4M | 5.0% | |
| 7 | FirstBankLakewood, CO | 4 | $3.6M | 4.0% | |
| 8 | Stearns Bank National AssociationSaint Cloud, MN | 3 | $2.3M | 3.0% | |
| 9 | Zions Bank, A Division ofSalt Lake City, UT | 3 | $280K | 3.0% | |
| 10 | Timberline BankGrand Junction, CO | 2 | — | 2.0% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.0% | |
| 12 | BMO Bank National AssociationChicago, IL | 2 | — | 2.0% | |
| 13 | Northeast BankLewiston, ME | 2 | — | 2.0% | |
| 14 | Busey BankChampaign, IL | 1 | — | 1.0% | |
| 15 | SouthState Bank, National AssociationWinter Haven, FL | 1 | — | 1.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 10.0% | |
| 2 | Residential Building ConstructionNAICS 2361 | 7 | 7.0% | |
| 3 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 5 | 5.0% | |
| 4 | Beverage ManufacturingNAICS 3121 | 5 | 5.0% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 5 | 5.0% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 4 | 4.0% | |
| 7 | Sporting Goods, Hobby, and Musical Instrument RetailersNAICS 4591 | 4 | 4.0% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 4 | 4.0% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 3.0% | |
| 10 | Architectural, Engineering, and Related ServicesNAICS 5413 | 3 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 21 | 21.0% | |
| 2 | Retail Trade | 13 | 13.0% | |
| 3 | Professional, Scientific, and Technical Services | 13 | 13.0% | |
| 4 | Accommodation and Food Services | 12 | 12.0% | |
| 5 | Other Services (except Public Administration) | 8 | 8.0% | |
| 6 | Manufacturing | 8 | 8.0% | |
| 7 | Real Estate and Rental and Leasing | 6 | 6.0% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 5 | 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* | 15 | $9.1M | $174K | 3 | $604K | 18 | 58 |
| FY2025 | 29 | $15.7M | $250K | 2 | — | 31 | 207 |
| FY2024 | 17 | $8.0M | $150K | 6 | $4.5M | 23 | 105 |
| FY2023 | 11 | $5.9M | $344K | 1 | — | 12 | 52 |
| FY2022 | 9 | $5.6M | $442K | 5 | $4.1M | 14 | 120 |
| FY2021 | 11 | $19.0M | $1.0M | 9 | $3.6M | 20 | 466 |
| FY2020 | 8 | $7.8M | $514K | 5 | $2.3M | 13 | 98 |
| FY2019 | 17 | $7.0M | $339K | 3 | $1.1M | 20 | 90 |
| FY2018 | 12 | $11.7M | $642K | 4 | $924K | 16 | 141 |
| FY2017 | 21 | $13.1M | $250K | 5 | $3.5M | 26 | 380 |
| FY2016 | 31 | $12.1M | $160K | 2 | — | 33 | 311 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 108 approvals.
Against Colorado and the country
| FY2021–FY2025 | Eagle County | Colorado | United States |
|---|---|---|---|
| Approvals | 100 | 9,057 | 342,825 |
| Approvals per 1,000 establishments | 27.3 | 49.6 | 41.0 |
| Median 7(a) approval | $350K | $261K | $190K |
| Median 504 approval | $358K | $612K | $657K |
| Average approval | $672K | $645K | $573K |
| 504 share of approvals | 23.0% | 11.1% | 11.0% |
| Jobs supported per approval, as reported | 9.5 | 10.6 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less15.0%15
- $50,001 to $150,00013.0%13
- $150,001 to $350,00022.0%22
- $350,001 to $1 million33.0%33
- $1 million to $2 million9.0%9
- Over $2 million8.0%8
Age of the businesses
- Existing, more than 2 years old64.0%64
- New business, 2 years or less22.0%22
- Startup, loan funds will open the business5.0%5
- Change of ownership9.0%9
Questions and answers
Which lenders make the most SBA loans in Eagle County?
By approvals in FY2021 to FY2025: B:Side Capital (22), U.S. Bank, National Association (17), The Huntington National Bank (8), First Internet Bank of Indiana (5), Wells Fargo Bank National Association (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Eagle County?
The median 7(a) approval was $350K and the median 504 approval $358K; the Colorado 7(a) median was $261K.
Which industries get the most SBA loans in Eagle County?
Restaurants and Other Eating Places (10); Residential Building Construction (7); Foundation, Structure, and Building Exterior Contractors (5); Beverage Manufacturing (5); Building Equipment Contractors (5).
Is SBA lending in Eagle County rising?
Approvals in the three latest complete fiscal years total 66, against 47 in the three before: rising (+40%).
How does Eagle County compare with the rest of Colorado?
27.3 approvals per 1,000 establishments against 49.6 statewide, and 100 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