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County3rd of 46 in South Carolina by approvalsFIPS 45091
SBA loans in York County, South Carolina
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 282 loans to businesses in York County, South Carolina, in FY2021 to FY2025, worth $180M: 261 under 7(a) and 21 under 504.
That is 45.3 approvals per 1,000 business establishments (6,231 establishments in 2023), above the South Carolina figure of 30.7 and close to the national 41.0.
It ranks 3rd of 46 South Carolina counties with approvals. In FY2025 there were 82, up 32% on FY2024.
64 lenders had approvals here; the most active were The Huntington National Bank (35), TD Bank, National Association (22) and Wells Fargo Bank National Association (22). 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 York County
By number of approvals to businesses in the county, FY2021–FY2025; 64 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 35 | $13.4M | 12.4% | |
| 2 | TD Bank, National AssociationWilmington, DE | 22 | $1.8M | 7.8% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 22 | $1.3M | 7.8% | |
| 4 | SouthState Bank, National AssociationWinter Haven, FL | 16 | $10.0M | 5.7% | |
| 5 | Northeast BankLewiston, ME | 16 | $1.7M | 5.7% | |
| 6 | Pinnacle BankNashville, TN | 12 | $12.4M | 4.3% | |
| 7 | Readycap Lending, LLCBerkeley Heights, NJ | 11 | $2.9M | 3.9% | |
| 8 | Business Expansion Funding CorporationCharlotte, NC · CDC | 10 | $13.6M | 3.5% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 9 | $1.5M | 3.2% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 8 | $13.4M | 2.8% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 8 | $4.2M | 2.8% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 7 | $3.8M | 2.5% | |
| 13 | Catawba Regional Development CorporationRock Hill, SC · CDC | 6 | $3.4M | 2.1% | |
| 14 | BayFirst National BankSaint Petersburg, FL | 6 | $583K | 2.1% | |
| 15 | GBankLas Vegas, NV | 5 | $17.7M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 39 | 13.8% | |
| 2 | Child Day Care ServicesNAICS 6244 | 16 | 5.7% | |
| 3 | General Freight TruckingNAICS 4841 | 12 | 4.3% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 11 | 3.9% | |
| 5 | Other Personal ServicesNAICS 8129 | 11 | 3.9% | |
| 6 | Traveler AccommodationNAICS 7211 | 10 | 3.5% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 9 | 3.2% | |
| 8 | Personal Care ServicesNAICS 8121 | 9 | 3.2% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 9 | 3.2% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 9 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 51 | 18.1% | |
| 2 | Health Care and Social Assistance | 39 | 13.8% | |
| 3 | Construction | 30 | 10.6% | |
| 4 | Retail Trade | 27 | 9.6% | |
| 5 | Other Services (except Public Administration) | 26 | 9.2% | |
| 6 | Professional, Scientific, and Technical Services | 20 | 7.1% | |
| 7 | Transportation and Warehousing | 18 | 6.4% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 15 | 5.3% |
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* | 27 | $9.4M | $250K | 2 | — | 29 | 251 |
| FY2025 | 79 | $44.5M | $150K | 3 | $5.8M | 82 | 951 |
| FY2024 | 56 | $31.8M | $195K | 6 | $9.5M | 62 | 590 |
| FY2023 | 45 | $21.1M | $365K | 3 | $9.2M | 48 | 470 |
| FY2022 | 45 | $18.5M | $232K | 4 | $4.7M | 49 | 502 |
| FY2021 | 36 | $32.8M | $543K | 5 | $2.6M | 41 | 867 |
| FY2020 | 27 | $12.2M | $214K | 1 | — | 28 | 381 |
| FY2019 | 33 | $13.3M | $312K | 3 | $3.1M | 36 | 463 |
| FY2018 | 51 | $33.5M | $250K | 2 | — | 53 | 781 |
| FY2017 | 29 | $14.3M | $274K | 0 | — | 29 | 294 |
| FY2016 | 41 | $18.8M | $100K | 4 | $6.3M | 45 | 440 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 191 approvals.
Against South Carolina and the country
| FY2021–FY2025 | York County | South Carolina | United States |
|---|---|---|---|
| Approvals | 282 | 3,775 | 342,825 |
| Approvals per 1,000 establishments | 45.3 | 30.7 | 41.0 |
| Median 7(a) approval | $250K | $260K | $190K |
| Median 504 approval | $800K | $892K | $657K |
| Average approval | $640K | $666K | $573K |
| 504 share of approvals | 7.4% | 6.5% | 11.0% |
| Jobs supported per approval, as reported | 12.0 | 11.3 | 10.5 |
| Share of state approvals | 7.5% | 100.0% | — |
Approval sizes
- $50,000 or less25.5%72
- $50,001 to $150,00013.5%38
- $150,001 to $350,00017.4%49
- $350,001 to $1 million26.2%74
- $1 million to $2 million9.2%26
- Over $2 million8.2%23
Age of the businesses
- Existing, more than 2 years old39.4%111
- New business, 2 years or less17.4%49
- Startup, loan funds will open the business33.3%94
- Change of ownership9.6%27
- Not answered0.4%1
Questions and answers
Which lenders make the most SBA loans in York County?
By approvals in FY2021 to FY2025: The Huntington National Bank (35), TD Bank, National Association (22), Wells Fargo Bank National Association (22), SouthState Bank, National Association (16), Northeast Bank (16). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in York County?
The median 7(a) approval was $250K and the median 504 approval $800K; the South Carolina 7(a) median was $260K.
Which industries get the most SBA loans in York County?
Restaurants and Other Eating Places (39); Child Day Care Services (16); General Freight Trucking (12); Services to Buildings and Dwellings (11); Other Personal Services (11).
Is SBA lending in York County rising?
Approvals in the three latest complete fiscal years total 192, against 118 in the three before: rising (+63%).
How does York County compare with the rest of South Carolina?
45.3 approvals per 1,000 establishments against 30.7 statewide, and 282 of the state's 3,775 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