States › Colorado › Jefferson County
County4th of 60 in Colorado by approvalsFIPS 08059
SBA loans in Jefferson 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 Jefferson County, Colorado, received 965 SBA loan approvals worth $693M in FY2021 to FY2025 (867 7(a), 98 504).
That is 53.6 approvals per 1,000 business establishments (17,999 establishments in 2023), close to the Colorado figure of 49.6 and above the national 41.0.
It ranks 4th of 60 Colorado counties with approvals. In FY2025 there were 264, up 40% on FY2024.
123 lenders had approvals here; the most active were The Huntington National Bank (97), B:Side Capital (74) and U.S. Bank, National Association (57). 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 Jefferson County
By number of approvals to businesses in the county, FY2021–FY2025; 123 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 97 | $31.6M | 10.1% | |
| 2 | B:Side CapitalDenver, CO · CDC | 74 | $76.1M | 7.7% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 57 | $7.6M | 5.9% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 49 | $71.9M | 5.1% | |
| 5 | KeyBank National AssociationCleveland, OH | 43 | $11.9M | 4.5% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 40 | $12.0M | 4.1% | |
| 7 | Hanmi BankLos Angeles, CA | 33 | $26.3M | 3.4% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 30 | $13.7M | 3.1% | |
| 9 | Northeast BankLewiston, ME | 27 | $3.9M | 2.8% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 27 | $3.8M | 2.8% | |
| 11 | Readycap Lending, LLCBerkeley Heights, NJ | 25 | $7.3M | 2.6% | |
| 12 | Newtek Bank, National AssociationMiami, FL | 24 | $16.2M | 2.5% | |
| 13 | Zions Bank, A Division ofSalt Lake City, UT | 18 | $4.7M | 1.9% | |
| 14 | Byline BankChicago, IL | 17 | $18.2M | 1.8% | |
| 15 | Busey BankChampaign, IL | 16 | $22.5M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 61 | 6.3% | |
| 2 | Beer, Wine, and Liquor StoresNAICS 4453 | 54 | 5.6% | |
| 3 | Residential Building ConstructionNAICS 2361 | 45 | 4.7% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 39 | 4.0% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 36 | 3.7% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 33 | 3.4% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 29 | 3.0% | |
| 8 | Personal Care ServicesNAICS 8121 | 27 | 2.8% | |
| 9 | Child Day Care ServicesNAICS 6244 | 26 | 2.7% | |
| 10 | Other Personal ServicesNAICS 8129 | 26 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 159 | 16.5% | |
| 2 | Retail Trade | 157 | 16.3% | |
| 3 | Health Care and Social Assistance | 117 | 12.1% | |
| 4 | Other Services (except Public Administration) | 109 | 11.3% | |
| 5 | Professional, Scientific, and Technical Services | 99 | 10.3% | |
| 6 | Accommodation and Food Services | 95 | 9.8% | |
| 7 | Manufacturing | 54 | 5.6% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 43 | 4.5% |
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* | 147 | $87.1M | $250K | 12 | $10.6M | 159 | 1,554 |
| FY2025 | 249 | $134M | $200K | 15 | $14.3M | 264 | 2,276 |
| FY2024 | 173 | $111M | $200K | 15 | $20.4M | 188 | 1,419 |
| FY2023 | 167 | $124M | $300K | 14 | $17.1M | 181 | 2,313 |
| FY2022 | 125 | $87.7M | $367K | 29 | $30.6M | 154 | 1,522 |
| FY2021 | 153 | $127M | $511K | 25 | $26.6M | 178 | 2,003 |
| FY2020 | 132 | $92.2M | $392K | 21 | $15.3M | 153 | 1,820 |
| FY2019 | 147 | $83.1M | $250K | 12 | $14.0M | 159 | 1,383 |
| FY2018 | 188 | $80.5M | $250K | 15 | $5.9M | 203 | 2,116 |
| FY2017 | 204 | $94.1M | $206K | 16 | $14.9M | 220 | 1,697 |
| FY2016 | 226 | $93.9M | $150K | 11 | $6.8M | 237 | 2,184 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 972 approvals.
Against Colorado and the country
| FY2021–FY2025 | Jefferson County | Colorado | United States |
|---|---|---|---|
| Approvals | 965 | 9,057 | 342,825 |
| Approvals per 1,000 establishments | 53.6 | 49.6 | 41.0 |
| Median 7(a) approval | $286K | $261K | $190K |
| Median 504 approval | $664K | $612K | $657K |
| Average approval | $718K | $645K | $573K |
| 504 share of approvals | 10.2% | 11.1% | 11.0% |
| Jobs supported per approval, as reported | 9.9 | 10.6 | 10.5 |
| Share of state approvals | 10.7% | 100.0% | — |
Approval sizes
- $50,000 or less17.9%173
- $50,001 to $150,00017.8%172
- $150,001 to $350,00016.8%162
- $350,001 to $1 million26.4%255
- $1 million to $2 million11.6%112
- Over $2 million9.4%91
Age of the businesses
- Existing, more than 2 years old51.2%494
- New business, 2 years or less16.6%160
- Startup, loan funds will open the business17.0%164
- Change of ownership15.2%147
Questions and answers
Which lenders make the most SBA loans in Jefferson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (97), B:Side Capital (74), U.S. Bank, National Association (57), Live Oak Banking Company (49), KeyBank National Association (43). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jefferson County?
The median 7(a) approval was $286K and the median 504 approval $664K; the Colorado 7(a) median was $261K.
Which industries get the most SBA loans in Jefferson County?
Restaurants and Other Eating Places (61); Beer, Wine, and Liquor Stores (54); Residential Building Construction (45); Building Equipment Contractors (39); Automotive Repair and Maintenance (36).
Is SBA lending in Jefferson County rising?
Approvals in the three latest complete fiscal years total 633, against 485 in the three before: rising (+31%).
How does Jefferson County compare with the rest of Colorado?
53.6 approvals per 1,000 establishments against 49.6 statewide, and 965 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