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County21st of 88 in Ohio by approvalsFIPS 39045
SBA loans in Fairfield 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 241 loans to businesses in Fairfield County, Ohio, in FY2021 to FY2025, worth $88.1M: 225 under 7(a) and 16 under 504.
That is 84.7 approvals per 1,000 business establishments (2,846 establishments in 2023), above the Ohio figure of 72.3 and above the national 41.0.
It ranks 21st of 88 Ohio counties with approvals. In FY2025 there were 37, down 30% on FY2024.
36 lenders had approvals here; the most active were The Huntington National Bank (102), Telhio Credit Union Inc (19) and Ohio Statewide Development Corporation (12). 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 Fairfield County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 102 | $13.1M | 42.3% | |
| 2 | Telhio Credit Union IncColumbus, OH | 19 | $4.7M | 7.9% | |
| 3 | Ohio Statewide Development CorporationColumbus, OH · CDC | 12 | $9.7M | 5.0% | |
| 4 | First Commonwealth BankIndiana, PA | 11 | $17.7M | 4.6% | |
| 5 | U.S. Bank, National AssociationCincinnati, OH | 11 | $1.5M | 4.6% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 6 | $1.3M | 2.5% | |
| 7 | KeyBank National AssociationCleveland, OH | 6 | $730K | 2.5% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $3.4M | 2.1% | |
| 9 | German American BankJasper, IN | 5 | $788K | 2.1% | |
| 10 | The Community BankZanesville, OH | 5 | $315K | 2.1% | |
| 11 | CFBank National AssociationColumbus, OH | 4 | $6.7M | 1.7% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 4 | $5.8M | 1.7% | |
| 13 | Fifth Third BankCincinnati, OH | 4 | $2.7M | 1.7% | |
| 14 | KEMBA Financial CUGahanna, OH | 4 | $2.2M | 1.7% | |
| 15 | Community Capital Development CorporationDublin, OH · CDC | 4 | $1.5M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 18 | 7.5% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 18 | 7.5% | |
| 3 | General Freight TruckingNAICS 4841 | 18 | 7.5% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 11 | 4.6% | |
| 5 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 11 | 4.6% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 9 | 3.7% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 9 | 3.7% | |
| 8 | Personal Care ServicesNAICS 8121 | 9 | 3.7% | |
| 9 | Home Health Care ServicesNAICS 6216 | 9 | 3.7% | |
| 10 | Residential Building ConstructionNAICS 2361 | 9 | 3.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 56 | 23.2% | |
| 2 | Transportation and Warehousing | 35 | 14.5% | |
| 3 | Other Services (except Public Administration) | 28 | 11.6% | |
| 4 | Health Care and Social Assistance | 27 | 11.2% | |
| 5 | Accommodation and Food Services | 21 | 8.7% | |
| 6 | Retail Trade | 16 | 6.6% | |
| 7 | Manufacturing | 13 | 5.4% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 12 | 5.0% |
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* | 24 | $11.4M | $194K | 0 | — | 24 | 226 |
| FY2025 | 37 | $10.7M | $135K | 0 | — | 37 | 191 |
| FY2024 | 51 | $10.2M | $84K | 2 | — | 53 | 219 |
| FY2023 | 45 | $26.2M | $150K | 2 | — | 47 | 437 |
| FY2022 | 42 | $17.9M | $85K | 4 | $7.0M | 46 | 504 |
| FY2021 | 50 | $11.9M | $100K | 8 | $3.1M | 58 | 365 |
| FY2020 | 38 | $7.5M | $100K | 1 | — | 39 | 278 |
| FY2019 | 33 | $10.7M | $61K | 2 | — | 35 | 266 |
| FY2018 | 41 | $12.0M | $100K | 3 | $1.8M | 44 | 409 |
| FY2017 | 40 | $16.9M | $110K | 2 | — | 42 | 515 |
| FY2016 | 45 | $10.9M | $77K | 3 | $2.8M | 48 | 398 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 208 approvals.
Against Ohio and the country
| FY2021–FY2025 | Fairfield County | Ohio | United States |
|---|---|---|---|
| Approvals | 241 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 84.7 | 72.3 | 41.0 |
| Median 7(a) approval | $100K | $99K | $190K |
| Median 504 approval | $318K | $496K | $657K |
| Average approval | $366K | $336K | $573K |
| 504 share of approvals | 6.6% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 7.1 | 8.1 | 10.5 |
| Share of state approvals | 1.3% | 100.0% | — |
Approval sizes
- $50,000 or less34.9%84
- $50,001 to $150,00027.4%66
- $150,001 to $350,00016.2%39
- $350,001 to $1 million13.3%32
- $1 million to $2 million4.1%10
- Over $2 million4.1%10
Age of the businesses
- Existing, more than 2 years old58.5%141
- New business, 2 years or less17.4%42
- Startup, loan funds will open the business19.1%46
- Change of ownership5.0%12
Questions and answers
Which lenders make the most SBA loans in Fairfield County?
By approvals in FY2021 to FY2025: The Huntington National Bank (102), Telhio Credit Union Inc (19), Ohio Statewide Development Corporation (12), First Commonwealth Bank (11), U.S. Bank, National Association (11). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Fairfield County?
The median 7(a) approval was $100K and the median 504 approval $318K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Fairfield County?
Restaurants and Other Eating Places (18); Building Equipment Contractors (18); General Freight Trucking (18); Services to Buildings and Dwellings (11); Foundation, Structure, and Building Exterior Contractors (11).
Is SBA lending in Fairfield County rising?
Approvals in the three latest complete fiscal years total 137, against 143 in the three before: broadly level (-4%).
How does Fairfield County compare with the rest of Ohio?
84.7 approvals per 1,000 establishments against 72.3 statewide, and 241 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