County27th of 88 in Ohio by approvalsFIPS 39057
SBA loans in Greene 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 156 loans to businesses in Greene County, Ohio, in FY2021 to FY2025, worth $79.4M: 150 under 7(a) and 6 under 504.
That is 47.8 approvals per 1,000 business establishments (3,266 establishments in 2023), below the Ohio figure of 72.3 and above the national 41.0.
It ranks 27th of 88 Ohio counties with approvals. In FY2025 there were 39, up 18% on FY2024.
28 lenders had approvals here; the most active were The Huntington National Bank (72), U.S. Bank, National Association (12) and KeyBank National Association (11). 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 Greene County
By number of approvals to businesses in the county, FY2021–FY2025; 28 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 72 | $16.6M | 46.2% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 12 | $1.1M | 7.7% | |
| 3 | KeyBank National AssociationCleveland, OH | 11 | $4.5M | 7.1% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $4.8M | 4.5% | |
| 5 | First Financial BankCincinnati, OH | 7 | $2.1M | 4.5% | |
| 6 | Wright Patt Credit Union IncBeavercreek, OH | 4 | $6.5M | 2.6% | |
| 7 | Fifth Third BankCincinnati, OH | 4 | $1.4M | 2.6% | |
| 8 | Peoples BankMarietta, OH | 4 | $664K | 2.6% | |
| 9 | GBankLas Vegas, NV | 3 | $12.4M | 1.9% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 3 | $7.7M | 1.9% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 3 | $1.8M | 1.9% | |
| 12 | Telhio Credit Union IncColumbus, OH | 2 | — | 1.3% | |
| 13 | West Central Partnership, Inc.Perrysburg, OH · CDC | 2 | — | 1.3% | |
| 14 | First Bank of the LakeOsage Beach, MO | 2 | — | 1.3% | |
| 15 | Enterprise Bank & TrustClayton, MO | 2 | — | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Specialty Trade ContractorsNAICS 2389 | 11 | 7.1% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 11 | 7.1% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 10 | 6.4% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 10 | 6.4% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 9 | 5.8% | |
| 6 | Traveler AccommodationNAICS 7211 | 8 | 5.1% | |
| 7 | Personal Care ServicesNAICS 8121 | 8 | 5.1% | |
| 8 | General Freight TruckingNAICS 4841 | 7 | 4.5% | |
| 9 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 5 | 3.2% | |
| 10 | Grocery StoresNAICS 4451 | 5 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 27 | 17.3% | |
| 2 | Accommodation and Food Services | 21 | 13.5% | |
| 3 | Retail Trade | 21 | 13.5% | |
| 4 | Other Services (except Public Administration) | 13 | 8.3% | |
| 5 | Professional, Scientific, and Technical Services | 12 | 7.7% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 12 | 7.7% | |
| 7 | Arts, Entertainment, and Recreation | 11 | 7.1% | |
| 8 | Transportation and Warehousing | 9 | 5.8% |
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* | 11 | $3.6M | $200K | 2 | — | 13 | 77 |
| FY2025 | 37 | $30.7M | $150K | 2 | — | 39 | 425 |
| FY2024 | 30 | $8.8M | $116K | 3 | $2.8M | 33 | 203 |
| FY2023 | 28 | $5.9M | $50K | 0 | — | 28 | 142 |
| FY2022 | 25 | $15.2M | $150K | 1 | — | 26 | 327 |
| FY2021 | 30 | $14.4M | $190K | 0 | — | 30 | 420 |
| FY2020 | 15 | $7.9M | $208K | 1 | — | 16 | 148 |
| FY2019 | 22 | $13.2M | $113K | 1 | — | 23 | 219 |
| FY2018 | 29 | $8.1M | $118K | 0 | — | 29 | 476 |
| FY2017 | 34 | $15.9M | $190K | 0 | — | 34 | 505 |
| FY2016 | 38 | $17.0M | $184K | 0 | — | 38 | 742 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 140 approvals.
Against Ohio and the country
| FY2021–FY2025 | Greene County | Ohio | United States |
|---|---|---|---|
| Approvals | 156 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 47.8 | 72.3 | 41.0 |
| Median 7(a) approval | $138K | $99K | $190K |
| Median 504 approval | $230K | $496K | $657K |
| Average approval | $509K | $336K | $573K |
| 504 share of approvals | 3.8% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 9.7 | 8.1 | 10.5 |
| Share of state approvals | 0.8% | 100.0% | — |
Approval sizes
- $50,000 or less32.1%50
- $50,001 to $150,00023.1%36
- $150,001 to $350,00017.9%28
- $350,001 to $1 million13.5%21
- $1 million to $2 million6.4%10
- Over $2 million7.1%11
Age of the businesses
- Existing, more than 2 years old63.5%99
- New business, 2 years or less11.5%18
- Startup, loan funds will open the business17.9%28
- Change of ownership7.1%11
Questions and answers
Which lenders make the most SBA loans in Greene County?
By approvals in FY2021 to FY2025: The Huntington National Bank (72), U.S. Bank, National Association (12), KeyBank National Association (11), Readycap Lending, LLC (7), First Financial Bank (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Greene County?
The median 7(a) approval was $138K and the median 504 approval $230K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Greene County?
Other Specialty Trade Contractors (11); Restaurants and Other Eating Places (11); Other Amusement and Recreation Industries (10); Services to Buildings and Dwellings (10); Building Equipment Contractors (9).
Is SBA lending in Greene County rising?
Approvals in the three latest complete fiscal years total 100, against 72 in the three before: rising (+39%).
How does Greene County compare with the rest of Ohio?
47.8 approvals per 1,000 establishments against 72.3 statewide, and 156 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