States › New Hampshire › Coos County
County10th of 10 in New Hampshire by approvalsFIPS 33007
SBA loans in Coos 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.
Businesses in Coos County, New Hampshire, received 44 SBA loan approvals worth $15.3M in FY2021 to FY2025 (35 7(a), 9 504).
That is 54.4 approvals per 1,000 business establishments (809 establishments in 2023), below the New Hampshire figure of 73.1 and above the national 41.0.
It ranks 10th of 10 New Hampshire counties with approvals. In FY2025 there were 14.
18 lenders had approvals here; the most active were Bar Harbor Bank & Trust (8), Granite State Economic Development Corporation (5) and Service FCU (5). The most common industry was traveler accommodation.
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 Coos County
By number of approvals to businesses in the county, FY2021–FY2025; 18 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bar Harbor Bank & TrustBar Harbor, ME | 8 | $1.0M | 18.2% | |
| 2 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 5 | $1.4M | 11.4% | |
| 3 | Service FCUPortsmouth, NH | 5 | $199K | 11.4% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 4 | $5.5M | 9.1% | |
| 5 | Camden National BankCamden, ME | 3 | $65K | 6.8% | |
| 6 | Capital Regional Development CouncilConcord, NH · CDC | 2 | — | 4.5% | |
| 7 | Colony BankFitzgerald, GA | 2 | — | 4.5% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 2 | — | 4.5% | |
| 9 | Lighthouse Federal Credit UnionDover, NH | 2 | — | 4.5% | |
| 10 | Union BankMorrisville, VT | 2 | — | 4.5% | |
| 11 | TD Bank, National AssociationWilmington, DE | 2 | — | 4.5% | |
| 12 | TowneBankPortsmouth, VA | 1 | — | 2.3% | |
| 13 | Harvest Small Business Finance, LLCLaguna Hills, CA | 1 | — | 2.3% | |
| 14 | Bangor Savings BankBangor, ME | 1 | — | 2.3% | |
| 15 | Bay Colony Development CorporationWaltham, MA · CDC | 1 | — | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 5 | 11.4% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 11.4% | |
| 3 | Building Equipment ContractorsNAICS 2382 | 4 | 9.1% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 9.1% | |
| 5 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 3 | 6.8% | |
| 6 | Lessors of Real EstateNAICS 5311 | 2 | 4.5% | |
| 7 | General Freight TruckingNAICS 4841 | 2 | 4.5% | |
| 8 | Rooming and Boarding Houses, Dormitories, and Workers' CampsNAICS 7213 | 1 | 2.3% | |
| 9 | Grocery StoresNAICS 4451 | 1 | 2.3% | |
| 10 | Gasoline StationsNAICS 4471 | 1 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 31.8% | |
| 2 | Construction | 7 | 15.9% | |
| 3 | Other Services (except Public Administration) | 5 | 11.4% | |
| 4 | Retail Trade | 4 | 9.1% | |
| 5 | Real Estate and Rental and Leasing | 3 | 6.8% | |
| 6 | Transportation and Warehousing | 3 | 6.8% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 2 | 4.5% | |
| 8 | Manufacturing | 2 | 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* | 5 | $4.3M | $500K | 1 | — | 6 | 77 |
| FY2025 | 14 | $9.0M | $200K | 0 | — | 14 | 157 |
| FY2024 | 2 | — | — | 2 | — | 4 | 5 |
| FY2023 | 4 | $560K | $32K | 0 | — | 4 | 10 |
| FY2022 | 3 | $267K | $55K | 4 | $2.5M | 7 | 19 |
| FY2021 | 12 | $1.7M | $75K | 3 | $825K | 15 | 76 |
| FY2020 | 3 | $2.2M | $200K | 0 | — | 3 | 37 |
| FY2019 | 7 | $659K | $114K | 4 | $850K | 11 | 33 |
| FY2018 | 11 | $5.4M | $95K | 1 | — | 12 | 55 |
| FY2017 | 8 | $556K | $21K | 2 | — | 10 | 76 |
| FY2016 | 12 | $803K | $40K | 3 | $568K | 15 | 59 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 51 approvals.
Against New Hampshire and the country
| FY2021–FY2025 | Coos County | New Hampshire | United States |
|---|---|---|---|
| Approvals | 44 | 2,873 | 342,825 |
| Approvals per 1,000 establishments | 54.4 | 73.1 | 41.0 |
| Median 7(a) approval | $95K | $100K | $190K |
| Median 504 approval | $259K | $320K | $657K |
| Average approval | $348K | $333K | $573K |
| 504 share of approvals | 20.5% | 17.1% | 11.0% |
| Jobs supported per approval, as reported | 6.1 | 8.0 | 10.5 |
| Share of state approvals | 1.5% | 100.0% | — |
Approval sizes
- $50,000 or less29.5%13
- $50,001 to $150,00020.5%9
- $150,001 to $350,00027.3%12
- $350,001 to $1 million13.6%6
- $1 million to $2 million4.5%2
- Over $2 million4.5%2
Age of the businesses
- Existing, more than 2 years old61.4%27
- New business, 2 years or less15.9%7
- Startup, loan funds will open the business13.6%6
- Change of ownership9.1%4
Questions and answers
Which lenders make the most SBA loans in Coos County?
By approvals in FY2021 to FY2025: Bar Harbor Bank & Trust (8), Granite State Economic Development Corporation (5), Service FCU (5), Wells Fargo Bank National Association (4), Camden National Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Coos County?
The median 7(a) approval was $95K and the median 504 approval $259K; the New Hampshire 7(a) median was $100K.
Which industries get the most SBA loans in Coos County?
Traveler Accommodation (5); Restaurants and Other Eating Places (5); Building Equipment Contractors (4); Automotive Repair and Maintenance (4); RV (Recreational Vehicle) Parks and Recreational Camps (3).
Is SBA lending in Coos County rising?
Approvals in the three latest complete fiscal years total 22, against 25 in the three before: falling (-12%).
How does Coos County compare with the rest of New Hampshire?
54.4 approvals per 1,000 establishments against 73.1 statewide, and 44 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