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County7th of 10 in New Hampshire by approvalsFIPS 33003
SBA loans in Carroll County, New Hampshire
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.
SBA approved 169 loans to businesses in Carroll County, New Hampshire, in FY2021 to FY2025, worth $44.3M: 134 under 7(a) and 35 under 504.
That is 89.1 approvals per 1,000 business establishments (1,896 establishments in 2023), above the New Hampshire figure of 73.1 and above the national 41.0.
It ranks 7th of 10 New Hampshire counties with approvals. In FY2025 there were 44, down 8% on FY2024.
26 lenders had approvals here; the most active were Meredith Village Savings Bank (41), TD Bank, National Association (30) and Camden National Bank (29). 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 Carroll County
By number of approvals to businesses in the county, FY2021–FY2025; 26 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Meredith Village Savings BankMeredith, NH | 41 | $4.0M | 24.3% | |
| 2 | TD Bank, National AssociationWilmington, DE | 30 | $4.0M | 17.8% | |
| 3 | Camden National BankCamden, ME | 29 | $1.8M | 17.2% | |
| 4 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 28 | $16.6M | 16.6% | |
| 5 | Manufacturers and Traders Trust CompanyBuffalo, NY | 5 | $668K | 3.0% | |
| 6 | Capital Regional Development CouncilConcord, NH · CDC | 4 | $1.8M | 2.4% | |
| 7 | Lighthouse Federal Credit UnionDover, NH | 4 | $559K | 2.4% | |
| 8 | New England Certified Development CorporationWakefield, MA · CDC | 3 | $1.4M | 1.8% | |
| 9 | Union BankMorrisville, VT | 3 | $220K | 1.8% | |
| 10 | Northwest BankWarren, PA | 2 | — | 1.2% | |
| 11 | Citizens Bank, National AssociationProvidence, RI | 2 | — | 1.2% | |
| 12 | Bank of New HampshireLaconia, NH | 2 | — | 1.2% | |
| 13 | St. Mary's BankManchester, NH | 2 | — | 1.2% | |
| 14 | Service FCUPortsmouth, NH | 2 | — | 1.2% | |
| 15 | Seacoast National BankStuart, FL | 1 | — | 0.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 26 | 15.4% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 14 | 8.3% | |
| 3 | Residential Building ConstructionNAICS 2361 | 12 | 7.1% | |
| 4 | Traveler AccommodationNAICS 7211 | 11 | 6.5% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 11 | 6.5% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 4.1% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 6 | 3.6% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 5 | 3.0% | |
| 9 | Lessors of Real EstateNAICS 5311 | 3 | 1.8% | |
| 10 | Consumer Goods RentalNAICS 5322 | 3 | 1.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 41 | 24.3% | |
| 2 | Construction | 36 | 21.3% | |
| 3 | Retail Trade | 19 | 11.2% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 17 | 10.1% | |
| 5 | Other Services (except Public Administration) | 13 | 7.7% | |
| 6 | Manufacturing | 11 | 6.5% | |
| 7 | Professional, Scientific, and Technical Services | 11 | 6.5% | |
| 8 | Real Estate and Rental and Leasing | 8 | 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* | 14 | $3.1M | $60K | 1 | — | 15 | 215 |
| FY2025 | 41 | $9.1M | $50K | 3 | $568K | 44 | 288 |
| FY2024 | 40 | $4.5M | $57K | 8 | $3.5M | 48 | 325 |
| FY2023 | 17 | $4.4M | $75K | 4 | $3.4M | 21 | 130 |
| FY2022 | 16 | $902K | $50K | 11 | $8.7M | 27 | 227 |
| FY2021 | 20 | $5.6M | $100K | 9 | $3.6M | 29 | 194 |
| FY2020 | 16 | $1.9M | $55K | 9 | $3.2M | 25 | 103 |
| FY2019 | 26 | $3.1M | $50K | 6 | $1.4M | 32 | 89 |
| FY2018 | 24 | $3.4M | $50K | 7 | $2.7M | 31 | 115 |
| FY2017 | 42 | $6.7M | $35K | 12 | $5.5M | 54 | 204 |
| FY2016 | 32 | $4.5M | $46K | 3 | $606K | 35 | 125 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 177 approvals.
Against New Hampshire and the country
| FY2021–FY2025 | Carroll County | New Hampshire | United States |
|---|---|---|---|
| Approvals | 169 | 2,873 | 342,825 |
| Approvals per 1,000 establishments | 89.1 | 73.1 | 41.0 |
| Median 7(a) approval | $60K | $100K | $190K |
| Median 504 approval | $272K | $320K | $657K |
| Average approval | $262K | $333K | $573K |
| 504 share of approvals | 20.7% | 17.1% | 11.0% |
| Jobs supported per approval, as reported | 6.9 | 8.0 | 10.5 |
| Share of state approvals | 5.9% | 100.0% | — |
Approval sizes
- $50,000 or less38.5%65
- $50,001 to $150,00031.4%53
- $150,001 to $350,00014.2%24
- $350,001 to $1 million9.5%16
- $1 million to $2 million5.3%9
- Over $2 million1.2%2
Age of the businesses
- Existing, more than 2 years old74.0%125
- New business, 2 years or less10.1%17
- Startup, loan funds will open the business11.2%19
- Change of ownership4.7%8
Questions and answers
Which lenders make the most SBA loans in Carroll County?
By approvals in FY2021 to FY2025: Meredith Village Savings Bank (41), TD Bank, National Association (30), Camden National Bank (29), Granite State Economic Development Corporation (28), Manufacturers and Traders Trust Company (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Carroll County?
The median 7(a) approval was $60K and the median 504 approval $272K; the New Hampshire 7(a) median was $100K.
Which industries get the most SBA loans in Carroll County?
Restaurants and Other Eating Places (26); Services to Buildings and Dwellings (14); Residential Building Construction (12); Traveler Accommodation (11); Other Specialty Trade Contractors (11).
Is SBA lending in Carroll County rising?
Approvals in the three latest complete fiscal years total 113, against 81 in the three before: rising (+40%).
How does Carroll County compare with the rest of New Hampshire?
89.1 approvals per 1,000 establishments against 73.1 statewide, and 169 of the state's 2,873 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