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County6th of 88 in Ohio by approvalsFIPS 39113
SBA loans in Montgomery 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 Montgomery County, Ohio, received 631 SBA loan approvals worth $282M in FY2021 to FY2025 (591 7(a), 40 504).
That is 57.7 approvals per 1,000 business establishments (10,930 establishments in 2023), below the Ohio figure of 72.3 and above the national 41.0.
It ranks 6th of 88 Ohio counties with approvals. In FY2025 there were 137, about level with FY2024.
76 lenders had approvals here; the most active were The Huntington National Bank (306), U.S. Bank, National Association (41) and KeyBank National Association (29). 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 Montgomery County
By number of approvals to businesses in the county, FY2021–FY2025; 76 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 306 | $61.7M | 48.5% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 41 | $3.0M | 6.5% | |
| 3 | KeyBank National AssociationCleveland, OH | 29 | $17.5M | 4.6% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 17 | $19.7M | 2.7% | |
| 5 | Community Capital Development CorporationDublin, OH · CDC | 15 | $6.1M | 2.4% | |
| 6 | Peoples BankMarietta, OH | 13 | $5.1M | 2.1% | |
| 7 | Citywide Small Business Development CorporationDayton, OH · CDC | 12 | $10.4M | 1.9% | |
| 8 | First Financial BankCincinnati, OH | 12 | $5.7M | 1.9% | |
| 9 | Readycap Lending, LLCBerkeley Heights, NJ | 12 | $2.5M | 1.9% | |
| 10 | United Midwest Savings Bank National AssociationDe Graff, OH | 11 | $7.7M | 1.7% | |
| 11 | Fifth Third BankCincinnati, OH | 11 | $4.6M | 1.7% | |
| 12 | Northeast BankLewiston, ME | 10 | $1.2M | 1.6% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 9 | $1.7M | 1.4% | |
| 14 | Telhio Credit Union IncColumbus, OH | 9 | $1.6M | 1.4% | |
| 15 | Wright Patt Credit Union IncBeavercreek, OH | 7 | $16.0M | 1.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 91 | 14.4% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 51 | 8.1% | |
| 3 | Residential Building ConstructionNAICS 2361 | 25 | 4.0% | |
| 4 | Building Equipment ContractorsNAICS 2382 | 19 | 3.0% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 17 | 2.7% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 16 | 2.5% | |
| 7 | Traveler AccommodationNAICS 7211 | 15 | 2.4% | |
| 8 | Home Health Care ServicesNAICS 6216 | 13 | 2.1% | |
| 9 | Specialized Freight TruckingNAICS 4842 | 13 | 2.1% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 12 | 1.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Transportation and Warehousing | 113 | 17.9% | |
| 2 | Construction | 84 | 13.3% | |
| 3 | Accommodation and Food Services | 75 | 11.9% | |
| 4 | Retail Trade | 68 | 10.8% | |
| 5 | Manufacturing | 65 | 10.3% | |
| 6 | Health Care and Social Assistance | 54 | 8.6% | |
| 7 | Professional, Scientific, and Technical Services | 44 | 7.0% | |
| 8 | Other Services (except Public Administration) | 42 | 6.7% |
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* | 71 | $54.1M | $250K | 2 | — | 73 | 900 |
| FY2025 | 130 | $47.5M | $115K | 7 | $5.4M | 137 | 1,085 |
| FY2024 | 124 | $51.0M | $150K | 9 | $7.7M | 133 | 1,264 |
| FY2023 | 112 | $59.6M | $150K | 5 | $5.6M | 117 | 1,271 |
| FY2022 | 115 | $47.3M | $120K | 11 | $6.1M | 126 | 1,455 |
| FY2021 | 110 | $45.8M | $170K | 8 | $6.3M | 118 | 873 |
| FY2020 | 89 | $32.4M | $86K | 7 | $4.4M | 96 | 496 |
| FY2019 | 128 | $48.3M | $109K | 9 | $3.9M | 137 | 976 |
| FY2018 | 186 | $55.2M | $75K | 7 | $3.0M | 193 | 1,601 |
| FY2017 | 133 | $48.4M | $150K | 5 | $3.0M | 138 | 1,042 |
| FY2016 | 151 | $54.3M | $120K | 4 | $739K | 155 | 1,587 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 719 approvals.
Against Ohio and the country
| FY2021–FY2025 | Montgomery County | Ohio | United States |
|---|---|---|---|
| Approvals | 631 | 18,439 | 342,825 |
| Approvals per 1,000 establishments | 57.7 | 72.3 | 41.0 |
| Median 7(a) approval | $150K | $99K | $190K |
| Median 504 approval | $500K | $496K | $657K |
| Average approval | $447K | $336K | $573K |
| 504 share of approvals | 6.3% | 4.3% | 11.0% |
| Jobs supported per approval, as reported | 9.4 | 8.1 | 10.5 |
| Share of state approvals | 3.4% | 100.0% | — |
Approval sizes
- $50,000 or less27.7%175
- $50,001 to $150,00025.4%160
- $150,001 to $350,00019.7%124
- $350,001 to $1 million15.4%97
- $1 million to $2 million6.5%41
- Over $2 million5.4%34
Age of the businesses
- Existing, more than 2 years old56.7%358
- New business, 2 years or less14.1%89
- Startup, loan funds will open the business17.7%112
- Change of ownership11.3%71
- Not answered0.2%1
Questions and answers
Which lenders make the most SBA loans in Montgomery County?
By approvals in FY2021 to FY2025: The Huntington National Bank (306), U.S. Bank, National Association (41), KeyBank National Association (29), Live Oak Banking Company (17), Community Capital Development Corporation (15). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Montgomery County?
The median 7(a) approval was $150K and the median 504 approval $500K; the Ohio 7(a) median was $99K.
Which industries get the most SBA loans in Montgomery County?
General Freight Trucking (91); Restaurants and Other Eating Places (51); Residential Building Construction (25); Building Equipment Contractors (19); Automotive Repair and Maintenance (17).
Is SBA lending in Montgomery County rising?
Approvals in the three latest complete fiscal years total 387, against 340 in the three before: rising (+14%).
How does Montgomery County compare with the rest of Ohio?
57.7 approvals per 1,000 establishments against 72.3 statewide, and 631 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