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County8th of 60 in Colorado by approvalsFIPS 08069
SBA loans in Larimer 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 Larimer County, Colorado, received 572 SBA loan approvals worth $428M in FY2021 to FY2025 (450 7(a), 122 504).
That is 48.6 approvals per 1,000 business establishments (11,764 establishments in 2023), close to the Colorado figure of 49.6 and above the national 41.0.
It ranks 8th of 60 Colorado counties with approvals. In FY2025 there were 139, up 25% on FY2024.
93 lenders had approvals here; the most active were B:Side Capital (82), The Huntington National Bank (56) and Live Oak Banking Company (30). 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 Larimer County
By number of approvals to businesses in the county, FY2021–FY2025; 93 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | B:Side CapitalDenver, CO · CDC | 82 | $68.7M | 14.3% | |
| 2 | The Huntington National BankColumbus, OH | 56 | $17.4M | 9.8% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 30 | $47.3M | 5.2% | |
| 4 | Preferred Lending PartnersLakewood, CO · CDC | 30 | $13.6M | 5.2% | |
| 5 | SouthState Bank, National AssociationWinter Haven, FL | 26 | $42.3M | 4.5% | |
| 6 | First National Bank of OmahaOmaha, NE | 25 | $7.5M | 4.4% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 24 | $12.7M | 4.2% | |
| 8 | U.S. Bank, National AssociationCincinnati, OH | 23 | $4.5M | 4.0% | |
| 9 | KeyBank National AssociationCleveland, OH | 18 | $5.1M | 3.1% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 12 | $4.9M | 2.1% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 12 | $3.4M | 2.1% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 12 | $1.8M | 2.1% | |
| 13 | Northeast BankLewiston, ME | 11 | $1.4M | 1.9% | |
| 14 | Community Banks of Colorado, A Division of NBH BankGreenwood Village, CO | 10 | $13.5M | 1.7% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 10 | $4.1M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 57 | 10.0% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 29 | 5.1% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 28 | 4.9% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 20 | 3.5% | |
| 5 | Personal Care ServicesNAICS 8121 | 20 | 3.5% | |
| 6 | Other Amusement and Recreation IndustriesNAICS 7139 | 19 | 3.3% | |
| 7 | Beer, Wine, and Liquor StoresNAICS 4453 | 17 | 3.0% | |
| 8 | Offices of DentistsNAICS 6212 | 16 | 2.8% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 15 | 2.6% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 15 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 90 | 15.7% | |
| 2 | Accommodation and Food Services | 75 | 13.1% | |
| 3 | Retail Trade | 67 | 11.7% | |
| 4 | Health Care and Social Assistance | 60 | 10.5% | |
| 5 | Other Services (except Public Administration) | 54 | 9.4% | |
| 6 | Manufacturing | 53 | 9.3% | |
| 7 | Professional, Scientific, and Technical Services | 43 | 7.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 27 | 4.7% |
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* | 55 | $33.8M | $250K | 19 | $16.7M | 74 | 580 |
| FY2025 | 124 | $86.0M | $341K | 15 | $15.1M | 139 | 1,578 |
| FY2024 | 96 | $56.6M | $239K | 15 | $12.6M | 111 | 1,104 |
| FY2023 | 90 | $65.2M | $267K | 21 | $17.9M | 111 | 1,122 |
| FY2022 | 61 | $46.6M | $411K | 24 | $14.0M | 85 | 810 |
| FY2021 | 79 | $81.5M | $401K | 47 | $32.1M | 126 | 1,359 |
| FY2020 | 68 | $31.0M | $150K | 20 | $15.4M | 88 | 959 |
| FY2019 | 81 | $37.7M | $152K | 18 | $16.8M | 99 | 846 |
| FY2018 | 74 | $26.5M | $173K | 18 | $12.8M | 92 | 785 |
| FY2017 | 91 | $43.4M | $286K | 16 | $14.6M | 107 | 1,258 |
| FY2016 | 106 | $39.6M | $105K | 15 | $10.1M | 121 | 1,219 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 507 approvals.
Against Colorado and the country
| FY2021–FY2025 | Larimer County | Colorado | United States |
|---|---|---|---|
| Approvals | 572 | 9,057 | 342,825 |
| Approvals per 1,000 establishments | 48.6 | 49.6 | 41.0 |
| Median 7(a) approval | $331K | $261K | $190K |
| Median 504 approval | $507K | $612K | $657K |
| Average approval | $748K | $645K | $573K |
| 504 share of approvals | 21.3% | 11.1% | 11.0% |
| Jobs supported per approval, as reported | 10.4 | 10.6 | 10.5 |
| Share of state approvals | 6.3% | 100.0% | — |
Approval sizes
- $50,000 or less13.3%76
- $50,001 to $150,00015.2%87
- $150,001 to $350,00021.5%123
- $350,001 to $1 million28.8%165
- $1 million to $2 million11.4%65
- Over $2 million9.8%56
Age of the businesses
- Existing, more than 2 years old50.7%290
- New business, 2 years or less14.3%82
- Startup, loan funds will open the business19.9%114
- Change of ownership14.9%85
- Not answered0.2%1
Questions and answers
Which lenders make the most SBA loans in Larimer County?
By approvals in FY2021 to FY2025: B:Side Capital (82), The Huntington National Bank (56), Live Oak Banking Company (30), Preferred Lending Partners (30), SouthState Bank, National Association (26). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Larimer County?
The median 7(a) approval was $331K and the median 504 approval $507K; the Colorado 7(a) median was $261K.
Which industries get the most SBA loans in Larimer County?
Restaurants and Other Eating Places (57); Offices of Other Health Practitioners (29); Building Equipment Contractors (28); Automotive Repair and Maintenance (20); Personal Care Services (20).
Is SBA lending in Larimer County rising?
Approvals in the three latest complete fiscal years total 361, against 299 in the three before: rising (+21%).
How does Larimer County compare with the rest of Colorado?
48.6 approvals per 1,000 establishments against 49.6 statewide, and 572 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