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County3rd of 78 in Puerto Rico by approvals
SBA loans in Caguas Municipio, Puerto Rico
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 161 loans to businesses in Caguas Municipio, Puerto Rico, in FY2021 to FY2025, worth $52.4M: 140 under 7(a) and 21 under 504.
The Census Bureau publishes no establishment count for it, so approvals cannot be set against the number of businesses.
It ranks 3rd of 78 Puerto Rico counties with approvals. In FY2025 there were 37, down 14% on FY2024.
9 lenders had approvals here; the most active were Banco Popular de Puerto Rico (80), Oriental Bank (47) and Marketing Small Business Finance Corporation (14). 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 Caguas Municipio
By number of approvals to businesses in the county, FY2021–FY2025; 9 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banco Popular de Puerto RicoSan Juan, PR | 80 | $30.1M | 49.7% | |
| 2 | Oriental BankSan Juan, PR | 47 | $8.5M | 29.2% | |
| 3 | Marketing Small Business Finance CorporationSan Juan, PR · CDC | 14 | $5.5M | 8.7% | |
| 4 | FirstBank Puerto RicoSanturce, PR | 9 | $1.0M | 5.6% | |
| 5 | PYMES Financial Partners, Inc.San Juan, PR · CDC | 4 | $1.8M | 2.5% | |
| 6 | Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC)San Juan, PR · CDC | 3 | $1.3M | 1.9% | |
| 7 | First Bank of the LakeOsage Beach, MO | 2 | — | 1.2% | |
| 8 | Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC)San Juan, PR | 1 | — | 0.6% | |
| 9 | Economic Development Bank for Puerto RicoSan Juan, PR | 1 | — | 0.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 9.3% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 14 | 8.7% | |
| 3 | Offices of PhysiciansNAICS 6211 | 9 | 5.6% | |
| 4 | Architectural, Engineering, and Related ServicesNAICS 5413 | 7 | 4.3% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 6 | 3.7% | |
| 6 | Personal Care ServicesNAICS 8121 | 5 | 3.1% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 4 | 2.5% | |
| 8 | Office Supplies, Stationery, and Gift StoresNAICS 4532 | 4 | 2.5% | |
| 9 | Wholesale Electronic Markets and Agents and BrokersNAICS 4251 | 4 | 2.5% | |
| 10 | Grocery StoresNAICS 4451 | 4 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 31 | 19.3% | |
| 2 | Retail Trade | 22 | 13.7% | |
| 3 | Wholesale Trade | 19 | 11.8% | |
| 4 | Professional, Scientific, and Technical Services | 19 | 11.8% | |
| 5 | Accommodation and Food Services | 17 | 10.6% | |
| 6 | Manufacturing | 16 | 9.9% | |
| 7 | Construction | 11 | 6.8% | |
| 8 | Other Services (except Public Administration) | 8 | 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* | 22 | $3.3M | $98K | 0 | — | 22 | 287 |
| FY2025 | 32 | $7.6M | $63K | 5 | $1.7M | 37 | 390 |
| FY2024 | 35 | $14.1M | $104K | 8 | $4.7M | 43 | 700 |
| FY2023 | 22 | $4.8M | $160K | 3 | $764K | 25 | 252 |
| FY2022 | 24 | $6.3M | $75K | 4 | $1.3M | 28 | 576 |
| FY2021 | 27 | $11.1M | $198K | 1 | — | 28 | 437 |
| FY2020 | 21 | $3.0M | $100K | 3 | $655K | 24 | 215 |
| FY2019 | 20 | $2.6M | $88K | 4 | $533K | 24 | 127 |
| FY2018 | 22 | $4.3M | $110K | 0 | — | 22 | 174 |
| FY2017 | 29 | $2.8M | $40K | 4 | $1.2M | 33 | 399 |
| FY2016 | 39 | $3.8M | $55K | 7 | $792K | 46 | 461 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 149 approvals.
Against Puerto Rico and the country
| FY2021–FY2025 | Caguas Municipio | Puerto Rico | United States |
|---|---|---|---|
| Approvals | 161 | 2,777 | 342,825 |
| Approvals per 1,000 establishments | — | — | 41.0 |
| Median 7(a) approval | $110K | $81K | $190K |
| Median 504 approval | $224K | $243K | $657K |
| Average approval | $326K | $205K | $573K |
| 504 share of approvals | 13.0% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 14.6 | 11.2 | 10.5 |
| Share of state approvals | 5.8% | 100.0% | — |
Approval sizes
- $50,000 or less29.2%47
- $50,001 to $150,00024.2%39
- $150,001 to $350,00025.5%41
- $350,001 to $1 million15.5%25
- $1 million to $2 million3.1%5
- Over $2 million2.5%4
Age of the businesses
- Existing, more than 2 years old66.5%107
- New business, 2 years or less16.1%26
- Startup, loan funds will open the business16.8%27
- Change of ownership0.6%1
Questions and answers
Which lenders make the most SBA loans in Caguas Municipio?
By approvals in FY2021 to FY2025: Banco Popular de Puerto Rico (80), Oriental Bank (47), Marketing Small Business Finance Corporation (14), FirstBank Puerto Rico (9), PYMES Financial Partners, Inc. (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Caguas Municipio?
The median 7(a) approval was $110K and the median 504 approval $224K; the Puerto Rico 7(a) median was $81K.
Which industries get the most SBA loans in Caguas Municipio?
Restaurants and Other Eating Places (15); Offices of Other Health Practitioners (14); Offices of Physicians (9); Architectural, Engineering, and Related Services (7); Services to Buildings and Dwellings (6).
Is SBA lending in Caguas Municipio rising?
Approvals in the three latest complete fiscal years total 105, against 80 in the three before: rising (+31%).
How does Caguas Municipio compare with the rest of Puerto Rico?
It had 161 of the state's 2,777 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