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County15th of 78 in Puerto Rico by approvals
SBA loans in Humacao 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 36 loans to businesses in Humacao Municipio, Puerto Rico, in FY2021 to FY2025, worth $5.5M: 34 under 7(a) and 2 under 504.
The Census Bureau publishes no establishment count for it, so approvals cannot be set against the number of businesses.
It ranks 15th of 78 Puerto Rico counties with approvals. In FY2025 there were 6, down 45% on FY2024.
7 lenders had approvals here; the most active were Banco Popular de Puerto Rico (24), FirstBank Puerto Rico (4) and Oriental Bank (4). The most common industry was offices of dentists.
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 Humacao Municipio
By number of approvals to businesses in the county, FY2021–FY2025; 7 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banco Popular de Puerto RicoSan Juan, PR | 24 | $3.3M | 66.7% | |
| 2 | FirstBank Puerto RicoSanturce, PR | 4 | $508K | 11.1% | |
| 3 | Oriental BankSan Juan, PR | 4 | $426K | 11.1% | |
| 4 | Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC)San Juan, PR · CDC | 1 | — | 2.8% | |
| 5 | PYMES Financial Partners, Inc.San Juan, PR · CDC | 1 | — | 2.8% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.8% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 2.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of DentistsNAICS 6212 | 5 | 13.9% | |
| 2 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 8.3% | |
| 3 | Offices of PhysiciansNAICS 6211 | 3 | 8.3% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 8.3% | |
| 5 | Nonresidential Building ConstructionNAICS 2362 | 2 | 5.6% | |
| 6 | Business Support ServicesNAICS 5614 | 1 | 2.8% | |
| 7 | Professional and Commercial Equipment and Supplies Merchant WholesalersNAICS 4234 | 1 | 2.8% | |
| 8 | Health and Personal Care RetailersNAICS 4561 | 1 | 2.8% | |
| 9 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 1 | 2.8% | |
| 10 | Grocery StoresNAICS 4451 | 1 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 12 | 33.3% | |
| 2 | Retail Trade | 5 | 13.9% | |
| 3 | Professional, Scientific, and Technical Services | 4 | 11.1% | |
| 4 | Accommodation and Food Services | 4 | 11.1% | |
| 5 | Wholesale Trade | 3 | 8.3% | |
| 6 | Construction | 3 | 8.3% | |
| 7 | Manufacturing | 2 | 5.6% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 1 | 2.8% |
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* | 7 | $326K | $50K | 2 | — | 9 | 61 |
| FY2025 | 6 | $700K | $43K | 0 | — | 6 | 52 |
| FY2024 | 10 | $731K | $33K | 1 | — | 11 | 91 |
| FY2023 | 8 | $1.7M | $139K | 1 | — | 9 | 139 |
| FY2022 | 4 | $561K | $138K | 0 | — | 4 | 24 |
| FY2021 | 6 | $929K | $146K | 0 | — | 6 | 31 |
| FY2020 | 2 | — | — | 0 | — | 2 | 6 |
| FY2019 | 4 | $565K | $103K | 0 | — | 4 | 45 |
| FY2018 | 1 | — | — | 0 | — | 1 | 12 |
| FY2017 | 2 | — | — | 1 | — | 3 | 81 |
| FY2016 | 6 | $160K | $15K | 0 | — | 6 | 28 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 16 approvals.
Against Puerto Rico and the country
| FY2021–FY2025 | Humacao Municipio | Puerto Rico | United States |
|---|---|---|---|
| Approvals | 36 | 2,777 | 342,825 |
| Approvals per 1,000 establishments | — | — | 41.0 |
| Median 7(a) approval | $109K | $81K | $190K |
| Median 504 approval | — | $243K | $657K |
| Average approval | $152K | $205K | $573K |
| 504 share of approvals | 5.6% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 9.4 | 11.2 | 10.5 |
| Share of state approvals | 1.3% | 100.0% | — |
Approval sizes
- $50,000 or less38.9%14
- $50,001 to $150,00025.0%9
- $150,001 to $350,00022.2%8
- $350,001 to $1 million13.9%5
Age of the businesses
- Existing, more than 2 years old83.3%30
- New business, 2 years or less8.3%3
- Startup, loan funds will open the business8.3%3
Questions and answers
Which lenders make the most SBA loans in Humacao Municipio?
By approvals in FY2021 to FY2025: Banco Popular de Puerto Rico (24), FirstBank Puerto Rico (4), Oriental Bank (4), Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC) (1), PYMES Financial Partners, Inc. (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Humacao Municipio?
The median 7(a) approval was $109K; the Puerto Rico 7(a) median was $81K.
Which industries get the most SBA loans in Humacao Municipio?
Offices of Dentists (5); Other Professional, Scientific, and Technical Services (3); Offices of Physicians (3); Restaurants and Other Eating Places (3); Nonresidential Building Construction (2).
Is SBA lending in Humacao Municipio rising?
Approvals in the three latest complete fiscal years total 26, against 12 in the three before: rising (+117%).
How does Humacao Municipio compare with the rest of Puerto Rico?
It had 36 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