States › Ohio › Clinton County
County56th of 88 in Ohio by approvalsFIPS 39027
SBA loans in Clinton 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 Clinton County, Ohio, received 34 SBA loan approvals worth $17.9M in FY2021 to FY2025 (31 7(a), 3 504).
That is 47.8 approvals per 1,000 business establishments (712 establishments in 2023), below the Ohio figure of 72.3 and above the national 41.0.
It ranks 56th of 88 Ohio counties with approvals. In FY2025 there were 10.
9 lenders had approvals here; the most active were The Huntington National Bank (16), Peoples Bank (5) and Readycap Lending, LLC (3). 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 Clinton County
By number of approvals to businesses in the county, FY2021–FY2025; 9 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 16 | $1.1M | 47.1% | |
| 2 | Peoples BankMarietta, OH | 5 | $1.1M | 14.7% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $5.8M | 8.8% | |
| 4 | PNC Bank, National AssociationWilmington, DE | 3 | $265K | 8.8% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 5.9% | |
| 6 | Community Capital Development CorporationDublin, OH · CDC | 2 | — | 5.9% | |
| 7 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 1 | — | 2.9% | |
| 8 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.9% | |
| 9 | First Financial BankEl Dorado, AR | 1 | — | 2.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 14.7% | |
| 2 | Gasoline StationsNAICS 4571 | 4 | 11.8% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 4 | 11.8% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 8.8% | |
| 5 | Residential Building ConstructionNAICS 2361 | 2 | 5.9% | |
| 6 | Private HouseholdsNAICS 8141 | 2 | 5.9% | |
| 7 | Iron and Steel Mills and Ferroalloy ManufacturingNAICS 3311 | 1 | 2.9% | |
| 8 | Health and Personal Care RetailersNAICS 4561 | 1 | 2.9% | |
| 9 | Personal and Household Goods Repair and MaintenanceNAICS 8114 | 1 | 2.9% | |
| 10 | Support Activities for Animal ProductionNAICS 1152 | 1 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 8 | 23.5% | |
| 2 | Retail Trade | 7 | 20.6% | |
| 3 | Accommodation and Food Services | 5 | 14.7% | |
| 4 | Other Services (except Public Administration) | 5 | 14.7% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 5 | 14.7% | |
| 6 | Manufacturing | 1 | 2.9% | |
| 7 | Agriculture, Forestry, Fishing and Hunting | 1 | 2.9% | |
| 8 | Health Care and Social Assistance | 1 | 2.9% |
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* | 8 | $1.5M | $165K | 1 | — | 9 | 69 |
| FY2025 | 9 | $4.4M | $25K | 1 | — | 10 | 50 |
| FY2024 | 6 | $5.3M | $50K | 0 | — | 6 | 24 |
| FY2023 | 7 | $2.3M | $121K | 1 | — | 8 | 82 |
| FY2022 | 4 | $510K | $60K | 1 | — | 5 | 35 |
| FY2021 | 5 | $813K | $116K | 0 | — | 5 | 12 |
| FY2020 | 6 | $188K | $25K | 0 | — | 6 | 11 |
| FY2019 | 6 | $1.6M | $140K | 0 | — | 6 | 36 |
| FY2018 | 11 | $2.0M | $133K | 0 | — | 11 | 66 |
| FY2017 | 7 | $3.2M | $50K | 1 | — | 8 | 116 |
| FY2016 | 6 | $2.1M | $213K | 0 | — | 6 | 23 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 37 approvals.
Against Ohio and the country
| FY2021–FY2025 | Clinton County | Ohio | United States |
|---|---|---|---|
| Approvals | 34 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 47.8 | 72.3 | 41.0 |
| Median 7(a) approval | $60K | $99K | $190K |
| Median 504 approval | $198K | $496K | $657K |
| Average approval | $526K | $336K | $573K |
| 504 share of approvals | 8.8% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 6.0 | 8.1 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less44.1%15
- $50,001 to $150,00017.6%6
- $150,001 to $350,00011.8%4
- $350,001 to $1 million8.8%3
- $1 million to $2 million5.9%2
- Over $2 million11.8%4
Age of the businesses
- Existing, more than 2 years old61.8%21
- New business, 2 years or less17.6%6
- Startup, loan funds will open the business11.8%4
- Change of ownership8.8%3
Questions and answers
Which lenders make the most SBA loans in Clinton County?
By approvals in FY2021 to FY2025: The Huntington National Bank (16), Peoples Bank (5), Readycap Lending, LLC (3), PNC Bank, National Association (3), U.S. Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clinton County?
The median 7(a) approval was $60K and the median 504 approval $198K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Clinton County?
Restaurants and Other Eating Places (5); Gasoline Stations (4); Services to Buildings and Dwellings (4); Other Specialty Trade Contractors (3); Residential Building Construction (2).
Is SBA lending in Clinton County rising?
Approvals in the three latest complete fiscal years total 24, against 16 in the three before: rising (+50%).
How does Clinton County compare with the rest of Ohio?
47.8 approvals per 1,000 establishments against 72.3 statewide, and 34 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