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County19th of 89 in Tennessee by approvalsFIPS 47043
SBA loans in Dickson County, Tennessee
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 31 loans to businesses in Dickson County, Tennessee, in FY2021 to FY2025, worth $12.4M: 31 under 7(a) and 0 under 504.
That is 28.2 approvals per 1,000 business establishments (1,100 establishments in 2023), close to the Tennessee figure of 25.1 and below the national 41.0.
It ranks 19th of 89 Tennessee counties with approvals. In FY2025 there were 8.
14 lenders had approvals here; the most active were U.S. Bank, National Association (10), Pinnacle Bank (4) and The Huntington National Bank (4). The most common industry was waste collection.
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 Dickson County
By number of approvals to businesses in the county, FY2021–FY2025; 14 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 10 | $331K | 32.3% | |
| 2 | Pinnacle BankNashville, TN | 4 | $4.5M | 12.9% | |
| 3 | The Huntington National BankColumbus, OH | 4 | $570K | 12.9% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 2 | — | 6.5% | |
| 5 | Enterprise Bank & TrustClayton, MO | 2 | — | 6.5% | |
| 6 | First Bank of the LakeOsage Beach, MO | 1 | — | 3.2% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 1 | — | 3.2% | |
| 8 | Bank of America, National AssociationCharlotte, NC | 1 | — | 3.2% | |
| 9 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 3.2% | |
| 10 | United Midwest Savings Bank National AssociationDe Graff, OH | 1 | — | 3.2% | |
| 11 | Capital Bank, National AssociationRockville, MD | 1 | — | 3.2% | |
| 12 | Sonata BankBrentwood, TN | 1 | — | 3.2% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 1 | — | 3.2% | |
| 14 | Northeast BankLewiston, ME | 1 | — | 3.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Waste CollectionNAICS 5621 | 3 | 9.7% | |
| 2 | Grocery StoresNAICS 4451 | 2 | 6.5% | |
| 3 | Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and MaintenanceNAICS 8113 | 2 | 6.5% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 6.5% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 2 | 6.5% | |
| 6 | Building Material and Supplies DealersNAICS 4441 | 2 | 6.5% | |
| 7 | Residential Building ConstructionNAICS 2361 | 2 | 6.5% | |
| 8 | Lumber and Other Construction Materials Merchant WholesalersNAICS 4233 | 2 | 6.5% | |
| 9 | Lessors of Real EstateNAICS 5311 | 1 | 3.2% | |
| 10 | Other Personal ServicesNAICS 8129 | 1 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 6 | 19.4% | |
| 2 | Construction | 6 | 19.4% | |
| 3 | Other Services (except Public Administration) | 5 | 16.1% | |
| 4 | Wholesale Trade | 4 | 12.9% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 3 | 9.7% | |
| 6 | Professional, Scientific, and Technical Services | 2 | 6.5% | |
| 7 | Real Estate and Rental and Leasing | 1 | 3.2% | |
| 8 | Accommodation and Food Services | 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* | 5 | $1.4M | $110K | 0 | — | 5 | 8 |
| FY2025 | 8 | $4.9M | $238K | 0 | — | 8 | 29 |
| FY2024 | 9 | $1.1M | $43K | 0 | — | 9 | 63 |
| FY2023 | 4 | $971K | $241K | 0 | — | 4 | 52 |
| FY2022 | 7 | $3.6M | $153K | 0 | — | 7 | 46 |
| FY2021 | 3 | $1.8M | $120K | 0 | — | 3 | 10 |
| FY2020 | 1 | — | — | 0 | — | 1 | 10 |
| FY2019 | 2 | — | — | 0 | — | 2 | 4 |
| FY2018 | 3 | $4.1M | $1.3M | 0 | — | 3 | 77 |
| FY2017 | 2 | — | — | 0 | — | 2 | 14 |
| FY2016 | 1 | — | — | 0 | — | 1 | 25 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 9 approvals.
Against Tennessee and the country
| FY2021–FY2025 | Dickson County | Tennessee | United States |
|---|---|---|---|
| Approvals | 31 | 3,767 | 342,825 |
| Approvals per 1,000 establishments | 28.2 | 25.1 | 41.0 |
| Median 7(a) approval | $110K | $250K | $190K |
| Median 504 approval | — | $1.1M | $657K |
| Average approval | $399K | $640K | $573K |
| 504 share of approvals | 0.0% | 3.5% | 11.0% |
| Jobs supported per approval, as reported | 6.5 | 11.5 | 10.5 |
| Share of state approvals | 0.8% | 100.0% | — |
Approval sizes
- $50,000 or less38.7%12
- $50,001 to $150,00022.6%7
- $150,001 to $350,0009.7%3
- $350,001 to $1 million16.1%5
- $1 million to $2 million6.5%2
- Over $2 million6.5%2
Age of the businesses
- Existing, more than 2 years old45.2%14
- New business, 2 years or less38.7%12
- Startup, loan funds will open the business12.9%4
- Change of ownership3.2%1
Questions and answers
Which lenders make the most SBA loans in Dickson County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (10), Pinnacle Bank (4), The Huntington National Bank (4), Live Oak Banking Company (2), Enterprise Bank & Trust (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Dickson County?
The median 7(a) approval was $110K; the Tennessee 7(a) median was $250K.
Which industries get the most SBA loans in Dickson County?
Waste Collection (3); Grocery Stores (2); Commercial and Industrial Machinery and Equipment (except Automotive and Electronic) Repair and Maintenance (2); Other Specialty Trade Contractors (2); Building Equipment Contractors (2).
Is SBA lending in Dickson County rising?
Approvals in the three latest complete fiscal years total 21, against 11 in the three before: rising (+91%).
How does Dickson County compare with the rest of Tennessee?
28.2 approvals per 1,000 establishments against 25.1 statewide, and 31 of the state's 3,767 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