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County10th of 60 in Colorado by approvalsFIPS 08077
SBA loans in Mesa 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 Mesa County, Colorado, received 199 SBA loan approvals worth $150M in FY2021 to FY2025 (172 7(a), 27 504).
That is 41.2 approvals per 1,000 business establishments (4,827 establishments in 2023), below the Colorado figure of 49.6 and close to the national 41.0.
It ranks 10th of 60 Colorado counties with approvals. In FY2025 there were 53, about level with FY2024.
47 lenders had approvals here; the most active were B:Side Capital (22), U.S. Bank, National Association (19) and Timberline Bank (18). 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 Mesa County
By number of approvals to businesses in the county, FY2021–FY2025; 47 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | B:Side CapitalDenver, CO · CDC | 22 | $10.8M | 11.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 19 | $3.6M | 9.5% | |
| 3 | Timberline BankGrand Junction, CO | 18 | $14.7M | 9.0% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 16 | $17.6M | 8.0% | |
| 5 | Zions Bank, A Division ofSalt Lake City, UT | 16 | $2.2M | 8.0% | |
| 6 | OakStar BankSpringfield, MO | 12 | $18.1M | 6.0% | |
| 7 | The Huntington National BankColumbus, OH | 8 | $4.7M | 4.0% | |
| 8 | Northeast BankLewiston, ME | 8 | $1.2M | 4.0% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 8 | $878K | 4.0% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 6 | $8.7M | 3.0% | |
| 11 | Hanmi BankLos Angeles, CA | 5 | $6.1M | 2.5% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 5 | $2.5M | 2.5% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 5 | $768K | 2.5% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 4 | $5.7M | 2.0% | |
| 15 | T Bank, National AssociationDallas, TX | 3 | $4.2M | 1.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 16 | 8.0% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 11 | 5.5% | |
| 3 | Offices of DentistsNAICS 6212 | 9 | 4.5% | |
| 4 | Beer, Wine, and Liquor StoresNAICS 4453 | 9 | 4.5% | |
| 5 | Traveler AccommodationNAICS 7211 | 8 | 4.0% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 4.0% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 8 | 4.0% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 3.5% | |
| 9 | Residential Building ConstructionNAICS 2361 | 6 | 3.0% | |
| 10 | Individual and Family ServicesNAICS 6241 | 6 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 34 | 17.1% | |
| 2 | Health Care and Social Assistance | 28 | 14.1% | |
| 3 | Accommodation and Food Services | 26 | 13.1% | |
| 4 | Retail Trade | 19 | 9.5% | |
| 5 | Manufacturing | 19 | 9.5% | |
| 6 | Other Services (except Public Administration) | 16 | 8.0% | |
| 7 | Professional, Scientific, and Technical Services | 13 | 6.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 10 | 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* | 24 | $14.9M | $254K | 7 | $9.6M | 31 | 315 |
| FY2025 | 48 | $30.3M | $250K | 5 | $2.0M | 53 | 1,049 |
| FY2024 | 43 | $25.9M | $250K | 8 | $4.1M | 51 | 608 |
| FY2023 | 27 | $26.3M | $472K | 3 | $2.8M | 30 | 338 |
| FY2022 | 19 | $19.8M | $440K | 9 | $4.6M | 28 | 257 |
| FY2021 | 35 | $33.8M | $610K | 2 | — | 37 | 660 |
| FY2020 | 25 | $12.0M | $188K | 2 | — | 27 | 617 |
| FY2019 | 28 | $16.6M | $67K | 1 | — | 29 | 175 |
| FY2018 | 22 | $6.1M | $46K | 0 | — | 22 | 73 |
| FY2017 | 34 | $10.4M | $38K | 3 | $3.6M | 37 | 279 |
| FY2016 | 37 | $5.7M | $50K | 3 | $2.4M | 40 | 184 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 155 approvals.
Against Colorado and the country
| FY2021–FY2025 | Mesa County | Colorado | United States |
|---|---|---|---|
| Approvals | 199 | 9,057 | 342,825 |
| Approvals per 1,000 establishments | 41.2 | 49.6 | 41.0 |
| Median 7(a) approval | $346K | $261K | $190K |
| Median 504 approval | $394K | $612K | $657K |
| Average approval | $754K | $645K | $573K |
| 504 share of approvals | 13.6% | 11.1% | 11.0% |
| Jobs supported per approval, as reported | 14.6 | 10.6 | 10.5 |
| Share of state approvals | 2.2% | 100.0% | — |
Approval sizes
- $50,000 or less14.1%28
- $50,001 to $150,00016.6%33
- $150,001 to $350,00019.6%39
- $350,001 to $1 million23.1%46
- $1 million to $2 million16.1%32
- Over $2 million10.6%21
Age of the businesses
- Existing, more than 2 years old54.8%109
- New business, 2 years or less16.1%32
- Startup, loan funds will open the business10.1%20
- Change of ownership19.1%38
Questions and answers
Which lenders make the most SBA loans in Mesa County?
By approvals in FY2021 to FY2025: B:Side Capital (22), U.S. Bank, National Association (19), Timberline Bank (18), Live Oak Banking Company (16), Zions Bank, A Division of (16). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Mesa County?
The median 7(a) approval was $346K and the median 504 approval $394K; the Colorado 7(a) median was $261K.
Which industries get the most SBA loans in Mesa County?
Restaurants and Other Eating Places (16); Other Specialty Trade Contractors (11); Offices of Dentists (9); Beer, Wine, and Liquor Stores (9); Traveler Accommodation (8).
Is SBA lending in Mesa County rising?
Approvals in the three latest complete fiscal years total 134, against 92 in the three before: rising (+46%).
How does Mesa County compare with the rest of Colorado?
41.2 approvals per 1,000 establishments against 49.6 statewide, and 199 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