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County4th of 89 in Tennessee by approvalsFIPS 47187
SBA loans in Williamson 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 352 loans to businesses in Williamson County, Tennessee, in FY2021 to FY2025, worth $227M: 350 under 7(a) and 2 under 504.
That is 40.4 approvals per 1,000 business establishments (8,707 establishments in 2023), above the Tennessee figure of 25.1 and close to the national 41.0.
It ranks 4th of 89 Tennessee counties with approvals. In FY2025 there were 75, down 20% on FY2024.
67 lenders had approvals here; the most active were The Huntington National Bank (56), U.S. Bank, National Association (32) and Pinnacle Bank (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 Williamson County
By number of approvals to businesses in the county, FY2021–FY2025; 67 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 56 | $16.1M | 15.9% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 32 | $2.2M | 9.1% | |
| 3 | Pinnacle BankNashville, TN | 22 | $25.7M | 6.3% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 20 | $2.9M | 5.7% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 15 | $3.1M | 4.3% | |
| 6 | United Midwest Savings Bank National AssociationDe Graff, OH | 14 | $4.7M | 4.0% | |
| 7 | Old National BankEvansville, IN | 12 | $12.6M | 3.4% | |
| 8 | Readycap Lending, LLCBerkeley Heights, NJ | 12 | $7.9M | 3.4% | |
| 9 | Celtic Bank CorporationSalt Lake City, UT | 11 | $13.0M | 3.1% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 10 | $21.9M | 2.8% | |
| 11 | Renasant BankTupelo, MS | 10 | $18.8M | 2.8% | |
| 12 | Wells Fargo Bank National AssociationSioux Falls, SD | 9 | $253K | 2.6% | |
| 13 | Northeast BankLewiston, ME | 8 | $970K | 2.3% | |
| 14 | Byline BankChicago, IL | 7 | $7.9M | 2.0% | |
| 15 | Republic Bank & Trust CompanyLouisville, KY | 7 | $4.5M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 43 | 12.2% | |
| 2 | Personal Care ServicesNAICS 8121 | 23 | 6.5% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 21 | 6.0% | |
| 4 | Residential Building ConstructionNAICS 2361 | 14 | 4.0% | |
| 5 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 13 | 3.7% | |
| 6 | Services to Buildings and DwellingsNAICS 5617 | 13 | 3.7% | |
| 7 | Other Personal ServicesNAICS 8129 | 11 | 3.1% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 10 | 2.8% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 9 | 2.6% | |
| 10 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 9 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 47 | 13.4% | |
| 2 | Other Services (except Public Administration) | 44 | 12.5% | |
| 3 | Professional, Scientific, and Technical Services | 39 | 11.1% | |
| 4 | Construction | 37 | 10.5% | |
| 5 | Health Care and Social Assistance | 31 | 8.8% | |
| 6 | Retail Trade | 30 | 8.5% | |
| 7 | Arts, Entertainment, and Recreation | 26 | 7.4% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 24 | 6.8% |
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* | 62 | $31.6M | $250K | 1 | — | 63 | 909 |
| FY2025 | 75 | $33.7M | $150K | 0 | — | 75 | 664 |
| FY2024 | 94 | $63.9M | $216K | 0 | — | 94 | 804 |
| FY2023 | 66 | $41.6M | $179K | 1 | — | 67 | 992 |
| FY2022 | 47 | $28.0M | $250K | 0 | — | 47 | 476 |
| FY2021 | 68 | $54.9M | $360K | 1 | — | 69 | 1,066 |
| FY2020 | 40 | $17.3M | $211K | 2 | — | 42 | 657 |
| FY2019 | 37 | $33.8M | $296K | 0 | — | 37 | 599 |
| FY2018 | 35 | $22.6M | $250K | 1 | — | 36 | 327 |
| FY2017 | 30 | $18.9M | $267K | 1 | — | 31 | 271 |
| FY2016 | 46 | $28.7M | $250K | 1 | — | 47 | 489 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 193 approvals.
Against Tennessee and the country
| FY2021–FY2025 | Williamson County | Tennessee | United States |
|---|---|---|---|
| Approvals | 352 | 3,767 | 342,825 |
| Approvals per 1,000 establishments | 40.4 | 25.1 | 41.0 |
| Median 7(a) approval | $221K | $250K | $190K |
| Median 504 approval | — | $1.1M | $657K |
| Average approval | $646K | $640K | $573K |
| 504 share of approvals | 0.6% | 3.5% | 11.0% |
| Jobs supported per approval, as reported | 11.4 | 11.5 | 10.5 |
| Share of state approvals | 9.3% | 100.0% | — |
Approval sizes
- $50,000 or less17.6%62
- $50,001 to $150,00025.9%91
- $150,001 to $350,00019.6%69
- $350,001 to $1 million22.2%78
- $1 million to $2 million5.4%19
- Over $2 million9.4%33
Age of the businesses
- Existing, more than 2 years old41.5%146
- New business, 2 years or less17.9%63
- Startup, loan funds will open the business33.8%119
- Change of ownership6.8%24
Questions and answers
Which lenders make the most SBA loans in Williamson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (56), U.S. Bank, National Association (32), Pinnacle Bank (22), BayFirst National Bank (20), Newtek Bank, National Association (15). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Williamson County?
The median 7(a) approval was $221K; the Tennessee 7(a) median was $250K.
Which industries get the most SBA loans in Williamson County?
Restaurants and Other Eating Places (43); Personal Care Services (23); Other Amusement and Recreation Industries (21); Residential Building Construction (14); Management, Scientific, and Technical Consulting Services (13).
Is SBA lending in Williamson County rising?
Approvals in the three latest complete fiscal years total 236, against 158 in the three before: rising (+49%).
How does Williamson County compare with the rest of Tennessee?
40.4 approvals per 1,000 establishments against 25.1 statewide, and 352 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