County31st of 88 in Ohio by approvalsFIPS 39023
SBA loans in Clark 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.
Businesses in Clark County, Ohio, received 101 SBA loan approvals worth $53.4M in FY2021 to FY2025 (91 7(a), 10 504).
That is 46.0 approvals per 1,000 business establishments (2,196 establishments in 2023), below the Ohio figure of 72.3 and close to the national 41.0.
It ranks 31st of 88 Ohio counties with approvals. In FY2025 there were 24, down 25% on FY2024.
26 lenders had approvals here; the most active were The Huntington National Bank (41), New Carlisle Federal Savings Bank (17) and Community Capital Development Corporation (5). 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 Clark County
By number of approvals to businesses in the county, FY2021–FY2025; 26 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 41 | $11.3M | 40.6% | |
| 2 | New Carlisle Federal Savings BankNew Carlisle, OH | 17 | $4.5M | 16.8% | |
| 3 | Community Capital Development CorporationDublin, OH · CDC | 5 | $3.0M | 5.0% | |
| 4 | U.S. Bank, National AssociationCincinnati, OH | 4 | $110K | 4.0% | |
| 5 | WesBanco Bank, Inc.Wheeling, WV | 3 | $1.5M | 3.0% | |
| 6 | First Commonwealth BankIndiana, PA | 3 | $1.0M | 3.0% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $288K | 3.0% | |
| 8 | The Park National BankNewark, OH | 2 | — | 2.0% | |
| 9 | Ohio Statewide Development CorporationColumbus, OH · CDC | 2 | — | 2.0% | |
| 10 | The Fidelity BankFuquay Varina, NC | 2 | — | 2.0% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.0% | |
| 12 | Northeast BankLewiston, ME | 2 | — | 2.0% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 2 | — | 2.0% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 1 | — | 1.0% | |
| 15 | Fifth Third BankCincinnati, OH | 1 | — | 1.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 8.9% | |
| 2 | Waste CollectionNAICS 5621 | 6 | 5.9% | |
| 3 | Residential Building ConstructionNAICS 2361 | 6 | 5.9% | |
| 4 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 5 | 5.0% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 4 | 4.0% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 4.0% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 4.0% | |
| 8 | Remediation and Other Waste Management ServicesNAICS 5629 | 3 | 3.0% | |
| 9 | Building Material and Supplies DealersNAICS 4441 | 3 | 3.0% | |
| 10 | Support Activities for Animal ProductionNAICS 1152 | 3 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Administrative and Support and Waste Management and Remediation Services | 14 | 13.9% | |
| 2 | Construction | 14 | 13.9% | |
| 3 | Accommodation and Food Services | 13 | 12.9% | |
| 4 | Manufacturing | 12 | 11.9% | |
| 5 | Other Services (except Public Administration) | 10 | 9.9% | |
| 6 | Retail Trade | 9 | 8.9% | |
| 7 | Professional, Scientific, and Technical Services | 8 | 7.9% | |
| 8 | Health Care and Social Assistance | 7 | 6.9% |
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* | 9 | $8.3M | $370K | 0 | — | 9 | 594 |
| FY2025 | 22 | $10.5M | $137K | 2 | — | 24 | 146 |
| FY2024 | 30 | $15.5M | $150K | 2 | — | 32 | 293 |
| FY2023 | 13 | $4.3M | $150K | 2 | — | 15 | 128 |
| FY2022 | 5 | $5.7M | $150K | 1 | — | 6 | 48 |
| FY2021 | 21 | $9.1M | $105K | 3 | $2.0M | 24 | 292 |
| FY2020 | 11 | $1.9M | $45K | 0 | — | 11 | 25 |
| FY2019 | 6 | $3.6M | $223K | 1 | — | 7 | 33 |
| FY2018 | 15 | $4.5M | $25K | 2 | — | 17 | 139 |
| FY2017 | 18 | $3.2M | $83K | 0 | — | 18 | 73 |
| FY2016 | 18 | $5.7M | $186K | 2 | — | 20 | 147 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 73 approvals.
Against Ohio and the country
| FY2021–FY2025 | Clark County | Ohio | United States |
|---|---|---|---|
| Approvals | 101 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 46.0 | 72.3 | 41.0 |
| Median 7(a) approval | $150K | $99K | $190K |
| Median 504 approval | $550K | $496K | $657K |
| Average approval | $529K | $336K | $573K |
| 504 share of approvals | 9.9% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 8.1 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less26.7%27
- $50,001 to $150,00023.8%24
- $150,001 to $350,00017.8%18
- $350,001 to $1 million19.8%20
- $1 million to $2 million5.9%6
- Over $2 million5.9%6
Age of the businesses
- Existing, more than 2 years old49.5%50
- New business, 2 years or less17.8%18
- Startup, loan funds will open the business22.8%23
- Change of ownership9.9%10
Questions and answers
Which lenders make the most SBA loans in Clark County?
By approvals in FY2021 to FY2025: The Huntington National Bank (41), New Carlisle Federal Savings Bank (17), Community Capital Development Corporation (5), U.S. Bank, National Association (4), WesBanco Bank, Inc. (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clark County?
The median 7(a) approval was $150K and the median 504 approval $550K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Clark County?
Restaurants and Other Eating Places (9); Waste Collection (6); Residential Building Construction (6); Other Professional, Scientific, and Technical Services (5); Services to Buildings and Dwellings (4).
Is SBA lending in Clark County rising?
Approvals in the three latest complete fiscal years total 71, against 41 in the three before: rising (+73%).
How does Clark County compare with the rest of Ohio?
46.0 approvals per 1,000 establishments against 72.3 statewide, and 101 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