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County9th of 88 in Ohio by approvalsFIPS 39041
SBA loans in Delaware 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 Delaware County, Ohio, received 553 SBA loan approvals worth $190M in FY2021 to FY2025 (525 7(a), 28 504).
That is 103.1 approvals per 1,000 business establishments (5,365 establishments in 2023), above the Ohio figure of 72.3 and above the national 41.0.
It ranks 9th of 88 Ohio counties with approvals. In FY2025 there were 133, up 25% on FY2024.
59 lenders had approvals here; the most active were The Huntington National Bank (322), Community Capital Development Corporation (17) and First Commonwealth Bank (17). 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 Delaware County
By number of approvals to businesses in the county, FY2021–FY2025; 59 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 322 | $56.4M | 58.2% | |
| 2 | Community Capital Development CorporationDublin, OH · CDC | 17 | $10.4M | 3.1% | |
| 3 | First Commonwealth BankIndiana, PA | 17 | $10.1M | 3.1% | |
| 4 | Telhio Credit Union IncColumbus, OH | 16 | $4.6M | 2.9% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 12 | $1.2M | 2.2% | |
| 6 | German American BankJasper, IN | 11 | $3.2M | 2.0% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 10 | $17.3M | 1.8% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 10 | $5.7M | 1.8% | |
| 9 | Buckeye State BankPowell, OH | 9 | $3.2M | 1.6% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 8 | $7.2M | 1.4% | |
| 11 | KeyBank National AssociationCleveland, OH | 8 | $2.6M | 1.4% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 8 | $774K | 1.4% | |
| 13 | Ohio Statewide Development CorporationColumbus, OH · CDC | 7 | $3.7M | 1.3% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 7 | $2.3M | 1.3% | |
| 15 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $1.4M | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 33 | 6.0% | |
| 2 | Personal Care ServicesNAICS 8121 | 31 | 5.6% | |
| 3 | General Freight TruckingNAICS 4841 | 26 | 4.7% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 25 | 4.5% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 23 | 4.2% | |
| 6 | Child Day Care ServicesNAICS 6244 | 22 | 4.0% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 22 | 4.0% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 20 | 3.6% | |
| 9 | Residential Building ConstructionNAICS 2361 | 19 | 3.4% | |
| 10 | Automotive Repair and MaintenanceNAICS 8111 | 15 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 73 | 13.2% | |
| 2 | Construction | 71 | 12.8% | |
| 3 | Professional, Scientific, and Technical Services | 66 | 11.9% | |
| 4 | Other Services (except Public Administration) | 60 | 10.8% | |
| 5 | Retail Trade | 47 | 8.5% | |
| 6 | Accommodation and Food Services | 41 | 7.4% | |
| 7 | Transportation and Warehousing | 36 | 6.5% | |
| 8 | Manufacturing | 35 | 6.3% |
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* | 58 | $27.1M | $163K | 4 | $3.5M | 62 | 591 |
| FY2025 | 129 | $54.9M | $114K | 4 | $2.6M | 133 | 1,420 |
| FY2024 | 102 | $23.7M | $105K | 4 | $4.9M | 106 | 911 |
| FY2023 | 109 | $37.4M | $140K | 4 | $2.7M | 113 | 1,274 |
| FY2022 | 104 | $39.0M | $134K | 4 | $1.5M | 108 | 825 |
| FY2021 | 81 | $17.2M | $80K | 12 | $5.7M | 93 | 732 |
| FY2020 | 76 | $22.7M | $100K | 3 | $1.8M | 79 | 664 |
| FY2019 | 87 | $21.4M | $121K | 13 | $6.6M | 100 | 1,177 |
| FY2018 | 79 | $22.4M | $100K | 3 | $1.7M | 82 | 986 |
| FY2017 | 100 | $34.1M | $100K | 4 | $1.1M | 104 | 859 |
| FY2016 | 89 | $21.0M | $61K | 4 | $1.9M | 93 | 823 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 458 approvals.
Against Ohio and the country
| FY2021–FY2025 | Delaware County | Ohio | United States |
|---|---|---|---|
| Approvals | 553 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 103.1 | 72.3 | 41.0 |
| Median 7(a) approval | $105K | $99K | $190K |
| Median 504 approval | $383K | $496K | $657K |
| Average approval | $343K | $336K | $573K |
| 504 share of approvals | 5.1% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 9.3 | 8.1 | 10.5 |
| Share of state approvals | 3.0% | 100.0% | — |
Approval sizes
- $50,000 or less30.9%171
- $50,001 to $150,00027.7%153
- $150,001 to $350,00019.5%108
- $350,001 to $1 million13.2%73
- $1 million to $2 million5.2%29
- Over $2 million3.4%19
Age of the businesses
- Existing, more than 2 years old56.1%310
- New business, 2 years or less14.5%80
- Startup, loan funds will open the business25.3%140
- Change of ownership4.2%23
Questions and answers
Which lenders make the most SBA loans in Delaware County?
By approvals in FY2021 to FY2025: The Huntington National Bank (322), Community Capital Development Corporation (17), First Commonwealth Bank (17), Telhio Credit Union Inc (16), U.S. Bank, National Association (12). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Delaware County?
The median 7(a) approval was $105K and the median 504 approval $383K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Delaware County?
Restaurants and Other Eating Places (33); Personal Care Services (31); General Freight Trucking (26); Management, Scientific, and Technical Consulting Services (25); Other Specialty Trade Contractors (23).
Is SBA lending in Delaware County rising?
Approvals in the three latest complete fiscal years total 352, against 280 in the three before: rising (+26%).
How does Delaware County compare with the rest of Ohio?
103.1 approvals per 1,000 establishments against 72.3 statewide, and 553 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