County25th of 88 in Ohio by approvalsFIPS 39109
SBA loans in Miami 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 Miami County, Ohio, received 169 SBA loan approvals worth $73.4M in FY2021 to FY2025 (158 7(a), 11 504).
That is 77.7 approvals per 1,000 business establishments (2,176 establishments in 2023), close to the Ohio figure of 72.3 and above the national 41.0.
It ranks 25th of 88 Ohio counties with approvals. In FY2025 there were 23, down 36% on FY2024.
38 lenders had approvals here; the most active were The Huntington National Bank (100), U.S. Bank, National Association (8) and KeyBank National Association (6). The most common industry was general freight trucking.
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 Miami County
By number of approvals to businesses in the county, FY2021–FY2025; 38 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 100 | $16.8M | 59.2% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 8 | $2.5M | 4.7% | |
| 3 | KeyBank National AssociationCleveland, OH | 6 | $5.1M | 3.6% | |
| 4 | Byline BankChicago, IL | 5 | $4.0M | 3.0% | |
| 5 | Ohio Statewide Development CorporationColumbus, OH · CDC | 4 | $2.2M | 2.4% | |
| 6 | GBankLas Vegas, NV | 3 | $10.3M | 1.8% | |
| 7 | First Commonwealth BankIndiana, PA | 3 | $4.9M | 1.8% | |
| 8 | Eclipse Bank IncLouisville, KY | 2 | — | 1.2% | |
| 9 | Alloy Development Co., Inc.Cincinnati, OH · CDC | 2 | — | 1.2% | |
| 10 | West Central Partnership, Inc.Perrysburg, OH · CDC | 2 | — | 1.2% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 2 | — | 1.2% | |
| 12 | Peoples BankMarietta, OH | 2 | — | 1.2% | |
| 13 | Greenville FederalGreenville, OH | 2 | — | 1.2% | |
| 14 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 1.2% | |
| 15 | PNC Bank, National AssociationWilmington, DE | 2 | — | 1.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 62 | 36.7% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 5.9% | |
| 3 | Traveler AccommodationNAICS 7211 | 6 | 3.6% | |
| 4 | All Other TelecommunicationsNAICS 5178 | 5 | 3.0% | |
| 5 | Printing and Related Support ActivitiesNAICS 3231 | 5 | 3.0% | |
| 6 | Personal Care ServicesNAICS 8121 | 5 | 3.0% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 4 | 2.4% | |
| 8 | Specialty Food StoresNAICS 4452 | 4 | 2.4% | |
| 9 | Residential Building ConstructionNAICS 2361 | 4 | 2.4% | |
| 10 | Specialized Freight TruckingNAICS 4842 | 4 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 69 | 40.8% | |
| 2 | Accommodation and Food Services | 18 | 10.7% | |
| 3 | Manufacturing | 17 | 10.1% | |
| 4 | Retail Trade | 15 | 8.9% | |
| 5 | Construction | 12 | 7.1% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 8 | 4.7% | |
| 7 | Other Services (except Public Administration) | 8 | 4.7% | |
| 8 | Information | 6 | 3.6% |
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* | 12 | $8.4M | $370K | 1 | — | 13 | 197 |
| FY2025 | 21 | $8.7M | $100K | 2 | — | 23 | 310 |
| FY2024 | 36 | $16.4M | $150K | 0 | — | 36 | 272 |
| FY2023 | 30 | $6.6M | $80K | 1 | — | 31 | 68 |
| FY2022 | 32 | $11.7M | $129K | 5 | $2.6M | 37 | 193 |
| FY2021 | 39 | $22.8M | $136K | 3 | $2.2M | 42 | 269 |
| FY2020 | 29 | $5.3M | $64K | 1 | — | 30 | 158 |
| FY2019 | 23 | $3.6M | $59K | 2 | — | 25 | 84 |
| FY2018 | 37 | $6.0M | $100K | 2 | — | 39 | 149 |
| FY2017 | 19 | $3.8M | $100K | 0 | — | 19 | 229 |
| FY2016 | 31 | $6.3M | $100K | 2 | — | 33 | 110 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 146 approvals.
Against Ohio and the country
| FY2021–FY2025 | Miami County | Ohio | United States |
|---|---|---|---|
| Approvals | 169 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 77.7 | 72.3 | 41.0 |
| Median 7(a) approval | $119K | $99K | $190K |
| Median 504 approval | $382K | $496K | $657K |
| Average approval | $434K | $336K | $573K |
| 504 share of approvals | 6.5% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 6.6 | 8.1 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less26.0%44
- $50,001 to $150,00034.3%58
- $150,001 to $350,00013.6%23
- $350,001 to $1 million13.0%22
- $1 million to $2 million8.3%14
- Over $2 million4.7%8
Age of the businesses
- Existing, more than 2 years old63.3%107
- New business, 2 years or less14.8%25
- Startup, loan funds will open the business11.2%19
- Change of ownership10.1%17
- Not answered0.6%1
Questions and answers
Which lenders make the most SBA loans in Miami County?
By approvals in FY2021 to FY2025: The Huntington National Bank (100), U.S. Bank, National Association (8), KeyBank National Association (6), Byline Bank (5), Ohio Statewide Development Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Miami County?
The median 7(a) approval was $119K and the median 504 approval $382K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Miami County?
General Freight Trucking (62); Restaurants and Other Eating Places (10); Traveler Accommodation (6); All Other Telecommunications (5); Printing and Related Support Activities (5).
Is SBA lending in Miami County rising?
Approvals in the three latest complete fiscal years total 90, against 109 in the three before: falling (-17%).
How does Miami County compare with the rest of Ohio?
77.7 approvals per 1,000 establishments against 72.3 statewide, and 169 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