County10th of 88 in Ohio by approvalsFIPS 39017
SBA loans in Butler County, Ohio
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 525 loans to businesses in Butler County, Ohio, in FY2021 to FY2025, worth $208M: 502 under 7(a) and 23 under 504.
That is 69.7 approvals per 1,000 business establishments (7,537 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 10th of 88 Ohio counties with approvals. In FY2025 there were 99, down 9% on FY2024.
49 lenders had approvals here; the most active were The Huntington National Bank (237), U.S. Bank, National Association (38) and Telhio Credit Union Inc (37). The most common industry was general freight trucking.
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 Butler County
By number of approvals to businesses in the county, FY2021–FY2025; 49 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 237 | $54.7M | 45.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 38 | $9.9M | 7.2% | |
| 3 | Telhio Credit Union IncColumbus, OH | 37 | $6.9M | 7.0% | |
| 4 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 20 | $23.9M | 3.8% | |
| 5 | First Commonwealth BankIndiana, PA | 19 | $7.3M | 3.6% | |
| 6 | KeyBank National AssociationCleveland, OH | 16 | $8.9M | 3.0% | |
| 7 | First Financial BankCincinnati, OH | 16 | $3.6M | 3.0% | |
| 8 | Peoples BankMarietta, OH | 14 | $8.3M | 2.7% | |
| 9 | PNC Bank, National AssociationWilmington, DE | 13 | $3.1M | 2.5% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 10 | $13.9M | 1.9% | |
| 11 | United Midwest Savings Bank National AssociationDe Graff, OH | 9 | $2.4M | 1.7% | |
| 12 | Republic Bank & Trust CompanyLouisville, KY | 8 | $4.3M | 1.5% | |
| 13 | Fifth Third BankCincinnati, OH | 6 | $5.1M | 1.1% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 6 | $2.6M | 1.1% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 6 | $864K | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 83 | 15.8% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 57 | 10.9% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 26 | 5.0% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 20 | 3.8% | |
| 5 | Personal Care ServicesNAICS 8121 | 17 | 3.2% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 16 | 3.0% | |
| 7 | Residential Building ConstructionNAICS 2361 | 15 | 2.9% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 12 | 2.3% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 11 | 2.1% | |
| 10 | Child Day Care ServicesNAICS 6244 | 10 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 95 | 18.1% | |
| 2 | Accommodation and Food Services | 75 | 14.3% | |
| 3 | Health Care and Social Assistance | 52 | 9.9% | |
| 4 | Other Services (except Public Administration) | 47 | 9.0% | |
| 5 | Retail Trade | 46 | 8.8% | |
| 6 | Construction | 46 | 8.8% | |
| 7 | Professional, Scientific, and Technical Services | 39 | 7.4% | |
| 8 | Manufacturing | 35 | 6.7% |
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* | 54 | $23.5M | $150K | 4 | $9.4M | 58 | 570 |
| FY2025 | 96 | $47.2M | $150K | 3 | $3.7M | 99 | 910 |
| FY2024 | 100 | $40.7M | $100K | 9 | $11.8M | 109 | 1,420 |
| FY2023 | 109 | $33.0M | $89K | 2 | — | 111 | 801 |
| FY2022 | 88 | $22.3M | $124K | 3 | $758K | 91 | 651 |
| FY2021 | 109 | $37.0M | $149K | 6 | $8.3M | 115 | 1,128 |
| FY2020 | 68 | $24.7M | $101K | 7 | $4.8M | 75 | 919 |
| FY2019 | 85 | $28.6M | $60K | 9 | $3.4M | 94 | 1,013 |
| FY2018 | 94 | $31.8M | $80K | 9 | $10.0M | 103 | 1,002 |
| FY2017 | 69 | $29.2M | $80K | 7 | $1.8M | 76 | 812 |
| FY2016 | 90 | $32.7M | $100K | 10 | $3.7M | 100 | 1,638 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 448 approvals.
Against Ohio and the country
| FY2021–FY2025 | Butler County | Ohio | United States |
|---|---|---|---|
| Approvals | 525 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 69.7 | 72.3 | 41.0 |
| Median 7(a) approval | $128K | $99K | $190K |
| Median 504 approval | $648K | $496K | $657K |
| Average approval | $395K | $336K | $573K |
| 504 share of approvals | 4.4% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 9.4 | 8.1 | 10.5 |
| Share of state approvals | 2.8% | 100.0% | — |
Approval sizes
- $50,000 or less28.2%148
- $50,001 to $150,00029.0%152
- $150,001 to $350,00017.9%94
- $350,001 to $1 million17.1%90
- $1 million to $2 million3.4%18
- Over $2 million4.4%23
Age of the businesses
- Existing, more than 2 years old56.2%295
- New business, 2 years or less12.8%67
- Startup, loan funds will open the business23.8%125
- Change of ownership7.2%38
Questions and answers
Which lenders make the most SBA loans in Butler County?
By approvals in FY2021 to FY2025: The Huntington National Bank (237), U.S. Bank, National Association (38), Telhio Credit Union Inc (37), Alloy Development Co., Inc. (20), First Commonwealth Bank (19). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Butler County?
The median 7(a) approval was $128K and the median 504 approval $648K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Butler County?
General Freight Trucking (83); Restaurants and Other Eating Places (57); Other Amusement and Recreation Industries (26); Services to Buildings and Dwellings (20); Personal Care Services (17).
Is SBA lending in Butler County rising?
Approvals in the three latest complete fiscal years total 319, against 281 in the three before: rising (+14%).
How does Butler County compare with the rest of Ohio?
69.7 approvals per 1,000 establishments against 72.3 statewide, and 525 of the state's 18,439 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