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County5th of 10 in New Hampshire by approvalsFIPS 33009
SBA loans in Grafton 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 181 loans to businesses in Grafton County, New Hampshire, in FY2021 to FY2025, worth $61.2M: 141 under 7(a) and 40 under 504.
That is 62.0 approvals per 1,000 business establishments (2,920 establishments in 2023), below the New Hampshire figure of 73.1 and above the national 41.0.
It ranks 5th of 10 New Hampshire counties with approvals. In FY2025 there were 34, down 17% on FY2024.
34 lenders had approvals here; the most active were Bar Harbor Bank & Trust (45), Granite State Economic Development Corporation (30) and Meredith Village Savings Bank (19). 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 Grafton County
By number of approvals to businesses in the county, FY2021–FY2025; 34 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Bar Harbor Bank & TrustBar Harbor, ME | 45 | $5.1M | 24.9% | |
| 2 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 30 | $14.3M | 16.6% | |
| 3 | Meredith Village Savings BankMeredith, NH | 19 | $2.3M | 10.5% | |
| 4 | Camden National BankCamden, ME | 19 | $1.1M | 10.5% | |
| 5 | Primary BankBedford, NH | 8 | $1.2M | 4.4% | |
| 6 | Capital Regional Development CouncilConcord, NH · CDC | 6 | $3.3M | 3.3% | |
| 7 | Bank of New HampshireLaconia, NH | 6 | $645K | 3.3% | |
| 8 | Union BankMorrisville, VT | 5 | $300K | 2.8% | |
| 9 | TD Bank, National AssociationWilmington, DE | 4 | $221K | 2.2% | |
| 10 | Citizens Bank, National AssociationProvidence, RI | 3 | $4.5M | 1.7% | |
| 11 | New England Certified Development CorporationWakefield, MA · CDC | 3 | $2.3M | 1.7% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $2.0M | 1.7% | |
| 13 | Service FCUPortsmouth, NH | 3 | $177K | 1.7% | |
| 14 | Colony BankFitzgerald, GA | 2 | — | 1.1% | |
| 15 | Claremont Savings BankClaremont, NH | 2 | — | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 24 | 13.3% | |
| 2 | Traveler AccommodationNAICS 7211 | 21 | 11.6% | |
| 3 | Residential Building ConstructionNAICS 2361 | 9 | 5.0% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 9 | 5.0% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 8 | 4.4% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 3.9% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 6 | 3.3% | |
| 8 | Lessors of Real EstateNAICS 5311 | 5 | 2.8% | |
| 9 | General Freight TruckingNAICS 4841 | 5 | 2.8% | |
| 10 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 4 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 52 | 28.7% | |
| 2 | Retail Trade | 25 | 13.8% | |
| 3 | Construction | 23 | 12.7% | |
| 4 | Other Services (except Public Administration) | 13 | 7.2% | |
| 5 | Health Care and Social Assistance | 11 | 6.1% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 11 | 6.1% | |
| 7 | Transportation and Warehousing | 9 | 5.0% | |
| 8 | Manufacturing | 7 | 3.9% |
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* | 20 | $6.4M | $140K | 3 | $1.8M | 23 | 182 |
| FY2025 | 28 | $10.6M | $133K | 6 | $3.4M | 34 | 320 |
| FY2024 | 35 | $10.7M | $75K | 6 | $2.9M | 41 | 275 |
| FY2023 | 28 | $5.1M | $58K | 6 | $5.2M | 34 | 378 |
| FY2022 | 19 | $9.0M | $105K | 11 | $5.9M | 30 | 294 |
| FY2021 | 31 | $5.5M | $100K | 11 | $2.9M | 42 | 268 |
| FY2020 | 28 | $3.0M | $63K | 10 | $3.6M | 38 | 302 |
| FY2019 | 28 | $4.5M | $65K | 8 | $3.2M | 36 | 245 |
| FY2018 | 33 | $7.8M | $59K | 7 | $2.6M | 40 | 385 |
| FY2017 | 22 | $9.5M | $95K | 3 | $1.9M | 25 | 411 |
| FY2016 | 45 | $5.7M | $36K | 4 | $575K | 49 | 235 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 188 approvals.
Against New Hampshire and the country
| FY2021–FY2025 | Grafton County | New Hampshire | United States |
|---|---|---|---|
| Approvals | 181 | 2,873 | 342,825 |
| Approvals per 1,000 establishments | 62.0 | 73.1 | 41.0 |
| Median 7(a) approval | $80K | $100K | $190K |
| Median 504 approval | $363K | $320K | $657K |
| Average approval | $338K | $333K | $573K |
| 504 share of approvals | 22.1% | 17.1% | 11.0% |
| Jobs supported per approval, as reported | 8.5 | 8.0 | 10.5 |
| Share of state approvals | 6.3% | 100.0% | — |
Approval sizes
- $50,000 or less29.8%54
- $50,001 to $150,00023.2%42
- $150,001 to $350,00022.1%40
- $350,001 to $1 million17.1%31
- $1 million to $2 million5.5%10
- Over $2 million2.2%4
Age of the businesses
- Existing, more than 2 years old54.7%99
- New business, 2 years or less21.0%38
- Startup, loan funds will open the business16.6%30
- Change of ownership7.7%14
Questions and answers
Which lenders make the most SBA loans in Grafton County?
By approvals in FY2021 to FY2025: Bar Harbor Bank & Trust (45), Granite State Economic Development Corporation (30), Meredith Village Savings Bank (19), Camden National Bank (19), Primary Bank (8). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Grafton County?
The median 7(a) approval was $80K and the median 504 approval $363K; the New Hampshire 7(a) median was $100K.
Which industries get the most SBA loans in Grafton County?
Restaurants and Other Eating Places (24); Traveler Accommodation (21); Residential Building Construction (9); Services to Buildings and Dwellings (9); Other Specialty Trade Contractors (8).
Is SBA lending in Grafton County rising?
Approvals in the three latest complete fiscal years total 109, against 110 in the three before: broadly level (-1%).
How does Grafton County compare with the rest of New Hampshire?
62.0 approvals per 1,000 establishments against 73.1 statewide, and 181 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