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County20th of 78 in Puerto Rico by approvals
SBA loans in Isabela 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.
Businesses in Isabela Municipio, Puerto Rico, received 31 SBA loan approvals worth $3.5M in FY2021 to FY2025 (29 7(a), 2 504).
The Census Bureau publishes no establishment count for it, so approvals cannot be set against the number of businesses.
It ranks 20th of 78 Puerto Rico counties with approvals. In FY2025 there were 9, down 18% on FY2024.
5 lenders had approvals here; the most active were Banco Popular de Puerto Rico (21), FirstBank Puerto Rico (3) and Economic Development Bank for Puerto Rico (3). The most common industry was health and personal care retailers.
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 Isabela Municipio
By number of approvals to businesses in the county, FY2021–FY2025; 5 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banco Popular de Puerto RicoSan Juan, PR | 21 | $1.5M | 67.7% | |
| 2 | FirstBank Puerto RicoSanturce, PR | 3 | $1.1M | 9.7% | |
| 3 | Economic Development Bank for Puerto RicoSan Juan, PR | 3 | $468K | 9.7% | |
| 4 | Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC)San Juan, PR · CDC | 2 | — | 6.5% | |
| 5 | Oriental BankSan Juan, PR | 2 | — | 6.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health and Personal Care RetailersNAICS 4561 | 4 | 12.9% | |
| 2 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 9.7% | |
| 3 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 2 | 6.5% | |
| 4 | Home Health Care ServicesNAICS 6216 | 2 | 6.5% | |
| 5 | Personal Care ServicesNAICS 8121 | 2 | 6.5% | |
| 6 | Health and Personal Care StoresNAICS 4461 | 2 | 6.5% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 2 | 6.5% | |
| 8 | Commercial and Industrial Machinery and Equipment Rental and LeasingNAICS 5324 | 1 | 3.2% | |
| 9 | Nursing Care Facilities (Skilled Nursing Facilities)NAICS 6231 | 1 | 3.2% | |
| 10 | Warehouse Clubs, Supercenters, and Other General Merchandise RetailersNAICS 4552 | 1 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 35.5% | |
| 2 | Health Care and Social Assistance | 7 | 22.6% | |
| 3 | Professional, Scientific, and Technical Services | 5 | 16.1% | |
| 4 | Other Services (except Public Administration) | 3 | 9.7% | |
| 5 | Real Estate and Rental and Leasing | 1 | 3.2% | |
| 6 | Wholesale Trade | 1 | 3.2% | |
| 7 | Manufacturing | 1 | 3.2% | |
| 8 | Arts, Entertainment, and Recreation | 1 | 3.2% |
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 | $967K | $50K | 1 | — | 8 | 60 |
| FY2025 | 9 | $1.4M | $25K | 0 | — | 9 | 106 |
| FY2024 | 9 | $1.1M | $95K | 2 | — | 11 | 102 |
| FY2023 | 6 | $495K | $81K | 0 | — | 6 | 41 |
| FY2022 | 1 | — | — | 0 | — | 1 | 1 |
| FY2021 | 4 | $232K | $30K | 0 | — | 4 | 24 |
| FY2020 | 3 | $347K | $64K | 2 | — | 5 | 22 |
| FY2019 | 7 | $569K | $40K | 0 | — | 7 | 89 |
| FY2018 | 4 | $753K | $204K | 0 | — | 4 | 28 |
| FY2017 | 5 | $272K | $30K | 0 | — | 5 | 31 |
| FY2016 | 10 | $405K | $25K | 1 | — | 11 | 55 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 32 approvals.
Against Puerto Rico and the country
| FY2021–FY2025 | Isabela Municipio | Puerto Rico | United States |
|---|---|---|---|
| Approvals | 31 | 2,777 | 342,825 |
| Approvals per 1,000 establishments | — | — | 41.0 |
| Median 7(a) approval | $72K | $81K | $190K |
| Median 504 approval | — | $243K | $657K |
| Average approval | $112K | $205K | $573K |
| 504 share of approvals | 6.5% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 11.2 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less45.2%14
- $50,001 to $150,00035.5%11
- $150,001 to $350,00016.1%5
- $350,001 to $1 million3.2%1
Age of the businesses
- Existing, more than 2 years old45.2%14
- New business, 2 years or less25.8%8
- Startup, loan funds will open the business29.0%9
Questions and answers
Which lenders make the most SBA loans in Isabela Municipio?
By approvals in FY2021 to FY2025: Banco Popular de Puerto Rico (21), FirstBank Puerto Rico (3), Economic Development Bank for Puerto Rico (3), Corp. Financiamiento Empresarial del Comercio y Comunidades (COFECC) (2), Oriental Bank (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Isabela Municipio?
The median 7(a) approval was $72K; the Puerto Rico 7(a) median was $81K.
Which industries get the most SBA loans in Isabela Municipio?
Health and Personal Care Retailers (4); Other Professional, Scientific, and Technical Services (3); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (2); Home Health Care Services (2); Personal Care Services (2).
Is SBA lending in Isabela Municipio rising?
Approvals in the three latest complete fiscal years total 26, against 10 in the three before: rising (+160%).
How does Isabela Municipio compare with the rest of Puerto Rico?
It had 31 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