States › Ohio › Clermont County
County16th of 88 in Ohio by approvalsFIPS 39025
SBA loans in Clermont 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 339 loans to businesses in Clermont County, Ohio, in FY2021 to FY2025, worth $149M: 326 under 7(a) and 13 under 504.
That is 89.8 approvals per 1,000 business establishments (3,773 establishments in 2023), above the Ohio figure of 72.3 and above the national 41.0.
It ranks 16th of 88 Ohio counties with approvals. In FY2025 there were 68, down 9% on FY2024.
41 lenders had approvals here; the most active were The Huntington National Bank (165), RiverHills Bank (35) and U.S. Bank, National Association (20). The most common industry was other specialty trade contractors.
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 Clermont County
By number of approvals to businesses in the county, FY2021–FY2025; 41 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 165 | $58.1M | 48.7% | |
| 2 | RiverHills BankMilford, OH | 35 | $16.5M | 10.3% | |
| 3 | U.S. Bank, National AssociationCincinnati, OH | 20 | $8.3M | 5.9% | |
| 4 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 12 | $11.3M | 3.5% | |
| 5 | KeyBank National AssociationCleveland, OH | 10 | $3.2M | 2.9% | |
| 6 | Peoples BankMarietta, OH | 8 | $4.2M | 2.4% | |
| 7 | General Electric Credit UnionCincinnati, OH | 7 | $1.6M | 2.1% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 7 | $1.3M | 2.1% | |
| 9 | First Internet Bank of IndianaFishers, IN | 6 | $5.8M | 1.8% | |
| 10 | First Financial BankCincinnati, OH | 5 | $2.9M | 1.5% | |
| 11 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $2.2M | 1.5% | |
| 12 | Northeast BankLewiston, ME | 5 | $1.1M | 1.5% | |
| 13 | WesBanco Bank, Inc.Wheeling, WV | 4 | $4.7M | 1.2% | |
| 14 | First Merchants BankIndianapolis, IN | 4 | $2.6M | 1.2% | |
| 15 | First Commonwealth BankIndiana, PA | 4 | $836K | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 27 | 8.0% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 27 | 8.0% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 21 | 6.2% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 18 | 5.3% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 16 | 4.7% | |
| 6 | General Freight TruckingNAICS 4841 | 15 | 4.4% | |
| 7 | Residential Building ConstructionNAICS 2361 | 11 | 3.2% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 2.7% | |
| 9 | Personal Care ServicesNAICS 8121 | 8 | 2.4% | |
| 10 | Household Appliances and Electrical and Electronic Goods Merchant WholesalersNAICS 4236 | 7 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 73 | 21.5% | |
| 2 | Retail Trade | 40 | 11.8% | |
| 3 | Other Services (except Public Administration) | 37 | 10.9% | |
| 4 | Administrative and Support and Waste Management and Remediation Services | 31 | 9.1% | |
| 5 | Accommodation and Food Services | 31 | 9.1% | |
| 6 | Professional, Scientific, and Technical Services | 28 | 8.3% | |
| 7 | Manufacturing | 22 | 6.5% | |
| 8 | Health Care and Social Assistance | 22 | 6.5% |
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* | 43 | $25.3M | $200K | 2 | — | 45 | 383 |
| FY2025 | 66 | $26.6M | $200K | 2 | — | 68 | 303 |
| FY2024 | 75 | $33.7M | $150K | 0 | — | 75 | 627 |
| FY2023 | 56 | $26.3M | $100K | 0 | — | 56 | 566 |
| FY2022 | 54 | $15.9M | $190K | 4 | $5.9M | 58 | 529 |
| FY2021 | 75 | $33.7M | $250K | 7 | $4.7M | 82 | 766 |
| FY2020 | 49 | $11.7M | $100K | 5 | $5.4M | 54 | 660 |
| FY2019 | 36 | $8.4M | $81K | 5 | $9.3M | 41 | 406 |
| FY2018 | 63 | $23.1M | $78K | 9 | $4.7M | 72 | 778 |
| FY2017 | 49 | $20.1M | $141K | 4 | $1.0M | 53 | 421 |
| FY2016 | 34 | $9.4M | $100K | 5 | $1.5M | 39 | 331 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 259 approvals.
Against Ohio and the country
| FY2021–FY2025 | Clermont County | Ohio | United States |
|---|---|---|---|
| Approvals | 339 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 89.8 | 72.3 | 41.0 |
| Median 7(a) approval | $175K | $99K | $190K |
| Median 504 approval | $688K | $496K | $657K |
| Average approval | $438K | $336K | $573K |
| 504 share of approvals | 3.8% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 8.2 | 8.1 | 10.5 |
| Share of state approvals | 1.8% | 100.0% | — |
Approval sizes
- $50,000 or less25.1%85
- $50,001 to $150,00021.2%72
- $150,001 to $350,00023.3%79
- $350,001 to $1 million17.1%58
- $1 million to $2 million9.7%33
- Over $2 million3.5%12
Age of the businesses
- Existing, more than 2 years old57.5%195
- New business, 2 years or less14.7%50
- Startup, loan funds will open the business18.0%61
- Change of ownership9.4%32
- Not answered0.3%1
Questions and answers
Which lenders make the most SBA loans in Clermont County?
By approvals in FY2021 to FY2025: The Huntington National Bank (165), RiverHills Bank (35), U.S. Bank, National Association (20), Alloy Development Co., Inc. (12), KeyBank National Association (10). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clermont County?
The median 7(a) approval was $175K and the median 504 approval $688K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Clermont County?
Other Specialty Trade Contractors (27); Restaurants and Other Eating Places (27); Services to Buildings and Dwellings (21); Automotive Repair and Maintenance (18); Building Equipment Contractors (16).
Is SBA lending in Clermont County rising?
Approvals in the three latest complete fiscal years total 199, against 194 in the three before: broadly level (+3%).
How does Clermont County compare with the rest of Ohio?
89.8 approvals per 1,000 establishments against 72.3 statewide, and 339 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