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County3rd of 10 in New Hampshire by approvalsFIPS 33013
SBA loans in Merrimack 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 321 loans to businesses in Merrimack County, New Hampshire, in FY2021 to FY2025, worth $88.7M: 277 under 7(a) and 44 under 504.
That is 76.2 approvals per 1,000 business establishments (4,213 establishments in 2023), close to the New Hampshire figure of 73.1 and above the national 41.0.
It ranks 3rd of 10 New Hampshire counties with approvals. In FY2025 there were 68, up 13% on FY2024.
44 lenders had approvals here; the most active were TD Bank, National Association (61), Merrimack County Savings Bank (59) and Capital Regional Development Council (19). The most common industry was services to buildings and dwellings.
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 Merrimack County
By number of approvals to businesses in the county, FY2021–FY2025; 44 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 61 | $7.9M | 19.0% | |
| 2 | Merrimack County Savings BankConcord, NH | 59 | $8.5M | 18.4% | |
| 3 | Capital Regional Development CouncilConcord, NH · CDC | 19 | $10.0M | 5.9% | |
| 4 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 19 | $7.3M | 5.9% | |
| 5 | Bangor Savings BankBangor, ME | 17 | $3.1M | 5.3% | |
| 6 | Eastern BankBoston, MA | 16 | $2.9M | 5.0% | |
| 7 | Primary BankBedford, NH | 12 | $9.2M | 3.7% | |
| 8 | St. Mary's BankManchester, NH | 12 | $2.4M | 3.7% | |
| 9 | Camden National BankCamden, ME | 11 | $1.5M | 3.4% | |
| 10 | Manufacturers and Traders Trust CompanyBuffalo, NY | 10 | $1.6M | 3.1% | |
| 11 | Beacon Bank and TrustBrookline, MA | 6 | $4.7M | 1.9% | |
| 12 | Rockland Trust CompanyRockland, MA | 6 | $1.2M | 1.9% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 5 | $4.8M | 1.6% | |
| 14 | Meredith Village Savings BankMeredith, NH | 5 | $1.9M | 1.6% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 5 | $1.4M | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Services to Buildings and DwellingsNAICS 5617 | 27 | 8.4% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 21 | 6.5% | |
| 3 | Other Specialty Trade ContractorsNAICS 2389 | 16 | 5.0% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 15 | 4.7% | |
| 5 | Restaurants and Other Eating PlacesNAICS 7225 | 14 | 4.4% | |
| 6 | Residential Building ConstructionNAICS 2361 | 12 | 3.7% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 11 | 3.4% | |
| 8 | Computer Systems Design and Related ServicesNAICS 5415 | 10 | 3.1% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 2.8% | |
| 10 | Other Personal ServicesNAICS 8129 | 8 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 67 | 20.9% | |
| 2 | Other Services (except Public Administration) | 38 | 11.8% | |
| 3 | Retail Trade | 36 | 11.2% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 34 | 10.6% | |
| 5 | Professional, Scientific, and Technical Services | 28 | 8.7% | |
| 6 | Manufacturing | 22 | 6.9% | |
| 7 | Health Care and Social Assistance | 19 | 5.9% | |
| 8 | Accommodation and Food Services | 18 | 5.6% |
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* | 38 | $16.8M | $50K | 5 | $2.9M | 43 | 193 |
| FY2025 | 64 | $13.3M | $95K | 4 | $4.8M | 68 | 397 |
| FY2024 | 55 | $9.7M | $75K | 5 | $2.4M | 60 | 277 |
| FY2023 | 47 | $7.3M | $83K | 5 | $3.4M | 52 | 258 |
| FY2022 | 45 | $13.8M | $150K | 10 | $5.3M | 55 | 400 |
| FY2021 | 66 | $22.0M | $117K | 20 | $6.7M | 86 | 703 |
| FY2020 | 32 | $6.9M | $69K | 10 | $4.9M | 42 | 455 |
| FY2019 | 45 | $6.2M | $50K | 10 | $5.6M | 55 | 238 |
| FY2018 | 61 | $7.6M | $100K | 14 | $3.3M | 75 | 502 |
| FY2017 | 58 | $6.0M | $56K | 12 | $3.0M | 70 | 510 |
| FY2016 | 39 | $8.3M | $50K | 9 | $4.3M | 48 | 264 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 290 approvals.
Against New Hampshire and the country
| FY2021–FY2025 | Merrimack County | New Hampshire | United States |
|---|---|---|---|
| Approvals | 321 | 2,873 | 342,825 |
| Approvals per 1,000 establishments | 76.2 | 73.1 | 41.0 |
| Median 7(a) approval | $98K | $100K | $190K |
| Median 504 approval | $267K | $320K | $657K |
| Average approval | $276K | $333K | $573K |
| 504 share of approvals | 13.7% | 17.1% | 11.0% |
| Jobs supported per approval, as reported | 6.3 | 8.0 | 10.5 |
| Share of state approvals | 11.2% | 100.0% | — |
Approval sizes
- $50,000 or less30.5%98
- $50,001 to $150,00028.3%91
- $150,001 to $350,00021.5%69
- $350,001 to $1 million14.6%47
- $1 million to $2 million3.1%10
- Over $2 million1.9%6
Age of the businesses
- Existing, more than 2 years old66.4%213
- New business, 2 years or less17.1%55
- Startup, loan funds will open the business8.1%26
- Change of ownership8.1%26
- Not answered0.3%1
Questions and answers
Which lenders make the most SBA loans in Merrimack County?
By approvals in FY2021 to FY2025: TD Bank, National Association (61), Merrimack County Savings Bank (59), Capital Regional Development Council (19), Granite State Economic Development Corporation (19), Bangor Savings Bank (17). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Merrimack County?
The median 7(a) approval was $98K and the median 504 approval $267K; the New Hampshire 7(a) median was $100K.
Which industries get the most SBA loans in Merrimack County?
Services to Buildings and Dwellings (27); Building Equipment Contractors (21); Other Specialty Trade Contractors (16); Automotive Repair and Maintenance (15); Restaurants and Other Eating Places (14).
Is SBA lending in Merrimack County rising?
Approvals in the three latest complete fiscal years total 180, against 183 in the three before: broadly level (-2%).
How does Merrimack County compare with the rest of New Hampshire?
76.2 approvals per 1,000 establishments against 73.1 statewide, and 321 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