County3rd of 16 in Nevada by approvalsFIPS 32510
SBA loans in Carson City, Nevada
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 88 loans to businesses in Carson City, Nevada, in FY2021 to FY2025, worth $75.4M: 72 under 7(a) and 16 under 504.
That is 44.9 approvals per 1,000 business establishments (1,962 establishments in 2023), close to the Nevada figure of 48.8 and close to the national 41.0.
It ranks 3rd of 16 Nevada counties with approvals. In FY2025 there were 21, about level with FY2024.
32 lenders had approvals here; the most active were U.S. Bank, National Association (15), Nevada State Development Corporation (12) and Zions Bank, A Division of (9). 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 Carson City
By number of approvals to businesses in the county, FY2021–FY2025; 32 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 15 | $3.1M | 17.0% | |
| 2 | Nevada State Development CorporationLas Vegas, NV · CDC | 12 | $18.9M | 13.6% | |
| 3 | Zions Bank, A Division ofSalt Lake City, UT | 9 | $5.6M | 10.2% | |
| 4 | California Statewide Certified Development CorporationDavis, CA · CDC | 4 | $2.8M | 4.5% | |
| 5 | Commonwealth Business BankLos Angeles, CA | 3 | $4.7M | 3.4% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $4.3M | 3.4% | |
| 7 | Pathward National AssociationSioux Falls, SD | 2 | — | 2.3% | |
| 8 | The Huntington National BankColumbus, OH | 2 | — | 2.3% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 2.3% | |
| 10 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 2 | — | 2.3% | |
| 11 | American Continental BankCity of Industry, CA | 2 | — | 2.3% | |
| 12 | Western Alliance BankPhoenix, AZ | 2 | — | 2.3% | |
| 13 | Harvest Small Business Finance, LLCLaguna Hills, CA | 2 | — | 2.3% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 2 | — | 2.3% | |
| 15 | First Merchants BankIndianapolis, IN | 2 | — | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 5.7% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 4 | 4.5% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 4.5% | |
| 4 | Offices of PhysiciansNAICS 6211 | 3 | 3.4% | |
| 5 | Semiconductor and Other Electronic Component ManufacturingNAICS 3344 | 3 | 3.4% | |
| 6 | Beer, Wine, and Liquor StoresNAICS 4453 | 3 | 3.4% | |
| 7 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 3 | 3.4% | |
| 8 | Residential Building ConstructionNAICS 2361 | 3 | 3.4% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.4% | |
| 10 | Administration of Environmental Quality ProgramsNAICS 9241 | 2 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 19 | 21.6% | |
| 2 | Manufacturing | 11 | 12.5% | |
| 3 | Construction | 11 | 12.5% | |
| 4 | Health Care and Social Assistance | 9 | 10.2% | |
| 5 | Accommodation and Food Services | 7 | 8.0% | |
| 6 | Other Services (except Public Administration) | 7 | 8.0% | |
| 7 | Professional, Scientific, and Technical Services | 6 | 6.8% | |
| 8 | Wholesale Trade | 4 | 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* | 9 | $13.1M | $300K | 2 | — | 11 | 134 |
| FY2025 | 17 | $9.5M | $150K | 4 | $4.9M | 21 | 236 |
| FY2024 | 18 | $15.7M | $450K | 3 | $5.5M | 21 | 454 |
| FY2023 | 15 | $13.3M | $340K | 2 | — | 17 | 234 |
| FY2022 | 8 | $2.0M | $100K | 5 | $10.2M | 13 | 177 |
| FY2021 | 14 | $13.1M | $507K | 2 | — | 16 | 197 |
| FY2020 | 8 | $5.6M | $350K | 2 | — | 10 | 72 |
| FY2019 | 14 | $9.8M | $358K | 2 | — | 16 | 178 |
| FY2018 | 17 | $2.6M | $50K | 5 | $4.5M | 22 | 103 |
| FY2017 | 16 | $6.7M | $150K | 4 | $1.6M | 20 | 100 |
| FY2016 | 16 | $2.5M | $65K | 4 | $2.1M | 20 | 216 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 88 approvals.
Against Nevada and the country
| FY2021–FY2025 | Carson City | Nevada | United States |
|---|---|---|---|
| Approvals | 88 | 3,774 | 342,825 |
| Approvals per 1,000 establishments | 44.9 | 48.8 | 41.0 |
| Median 7(a) approval | $247K | $232K | $190K |
| Median 504 approval | $1.3M | $678K | $657K |
| Average approval | $857K | $620K | $573K |
| 504 share of approvals | 18.2% | 16.5% | 11.0% |
| Jobs supported per approval, as reported | 14.8 | 12.2 | 10.5 |
| Share of state approvals | 2.3% | 100.0% | — |
Approval sizes
- $50,000 or less20.5%18
- $50,001 to $150,00014.8%13
- $150,001 to $350,00017.0%15
- $350,001 to $1 million18.2%16
- $1 million to $2 million15.9%14
- Over $2 million13.6%12
Age of the businesses
- Existing, more than 2 years old53.4%47
- New business, 2 years or less14.8%13
- Startup, loan funds will open the business12.5%11
- Change of ownership19.3%17
Questions and answers
Which lenders make the most SBA loans in Carson City?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (15), Nevada State Development Corporation (12), Zions Bank, A Division of (9), California Statewide Certified Development Corporation (4), Commonwealth Business Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Carson City?
The median 7(a) approval was $247K and the median 504 approval $1.3M; the Nevada 7(a) median was $232K.
Which industries get the most SBA loans in Carson City?
Restaurants and Other Eating Places (5); Building Equipment Contractors (4); Automotive Repair and Maintenance (4); Offices of Physicians (3); Semiconductor and Other Electronic Component Manufacturing (3).
Is SBA lending in Carson City rising?
Approvals in the three latest complete fiscal years total 59, against 39 in the three before: rising (+51%).
How does Carson City compare with the rest of Nevada?
44.9 approvals per 1,000 establishments against 48.8 statewide, and 88 of the state's 3,774 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