States › Tennessee › Wilson County
County9th of 89 in Tennessee by approvalsFIPS 47189
SBA loans in Wilson 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.
Businesses in Wilson County, Tennessee, received 92 SBA loan approvals worth $64.4M in FY2021 to FY2025 (89 7(a), 3 504).
That is 27.5 approvals per 1,000 business establishments (3,345 establishments in 2023), close to the Tennessee figure of 25.1 and below the national 41.0.
It ranks 9th of 89 Tennessee counties with approvals. In FY2025 there were 31, up 24% on FY2024.
36 lenders had approvals here; the most active were The Huntington National Bank (13), U.S. Bank, National Association (9) and Northeast Bank (9). The most common industry was other amusement and recreation industries.
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 Wilson County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 13 | $6.3M | 14.1% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 9 | $5.8M | 9.8% | |
| 3 | Northeast BankLewiston, ME | 9 | $1.2M | 9.8% | |
| 4 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $850K | 5.4% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 4 | $4.8M | 4.3% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $4.1M | 4.3% | |
| 7 | JPMorgan Chase Bank, National AssociationColumbus, OH | 4 | $740K | 4.3% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 3 | $3.4M | 3.3% | |
| 9 | Pinnacle BankNashville, TN | 3 | $2.5M | 3.3% | |
| 10 | Wilson Bank & TrustLebanon, TN | 3 | $2.0M | 3.3% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 3 | $1.1M | 3.3% | |
| 12 | BayFirst National BankSaint Petersburg, FL | 3 | $710K | 3.3% | |
| 13 | Beacon Bank and TrustBrookline, MA | 2 | — | 2.2% | |
| 14 | The Fidelity BankFuquay Varina, NC | 2 | — | 2.2% | |
| 15 | Brightbridge, Inc.Chattanooga, TN · CDC | 2 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 8 | 8.7% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 6 | 6.5% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 5.4% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 4.3% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 4 | 4.3% | |
| 6 | Offices of DentistsNAICS 6212 | 3 | 3.3% | |
| 7 | Printing and Related Support ActivitiesNAICS 3231 | 3 | 3.3% | |
| 8 | Building Finishing ContractorsNAICS 2383 | 3 | 3.3% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 3.3% | |
| 10 | Other Personal ServicesNAICS 8129 | 3 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 13 | 14.1% | |
| 2 | Construction | 13 | 14.1% | |
| 3 | Other Services (except Public Administration) | 10 | 10.9% | |
| 4 | Arts, Entertainment, and Recreation | 9 | 9.8% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 9 | 9.8% | |
| 6 | Professional, Scientific, and Technical Services | 8 | 8.7% | |
| 7 | Retail Trade | 7 | 7.6% | |
| 8 | Accommodation and Food Services | 7 | 7.6% |
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* | 15 | $15.2M | $410K | 1 | — | 16 | 121 |
| FY2025 | 29 | $18.3M | $250K | 2 | — | 31 | 440 |
| FY2024 | 25 | $16.0M | $250K | 0 | — | 25 | 338 |
| FY2023 | 17 | $9.5M | $218K | 0 | — | 17 | 230 |
| FY2022 | 8 | $3.2M | $280K | 0 | — | 8 | 44 |
| FY2021 | 10 | $11.2M | $735K | 1 | — | 11 | 227 |
| FY2020 | 12 | $6.6M | $50K | 0 | — | 12 | 210 |
| FY2019 | 16 | $5.3M | $250K | 0 | — | 16 | 230 |
| FY2018 | 8 | $3.6M | $110K | 0 | — | 8 | 39 |
| FY2017 | 10 | $5.5M | $454K | 0 | — | 10 | 103 |
| FY2016 | 13 | $3.1M | $25K | 3 | $2.1M | 16 | 194 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 62 approvals.
Against Tennessee and the country
| FY2021–FY2025 | Wilson County | Tennessee | United States |
|---|---|---|---|
| Approvals | 92 | 3,767 | 342,825 |
| Approvals per 1,000 establishments | 27.5 | 25.1 | 41.0 |
| Median 7(a) approval | $250K | $250K | $190K |
| Median 504 approval | $2.1M | $1.1M | $657K |
| Average approval | $700K | $640K | $573K |
| 504 share of approvals | 3.3% | 3.5% | 11.0% |
| Jobs supported per approval, as reported | 13.9 | 11.5 | 10.5 |
| Share of state approvals | 2.4% | 100.0% | — |
Approval sizes
- $50,000 or less18.5%17
- $50,001 to $150,00014.1%13
- $150,001 to $350,00028.3%26
- $350,001 to $1 million18.5%17
- $1 million to $2 million10.9%10
- Over $2 million9.8%9
Age of the businesses
- Existing, more than 2 years old50.0%46
- New business, 2 years or less12.0%11
- Startup, loan funds will open the business28.3%26
- Change of ownership9.8%9
Questions and answers
Which lenders make the most SBA loans in Wilson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (13), U.S. Bank, National Association (9), Northeast Bank (9), United Midwest Savings Bank National Association (5), Live Oak Banking Company (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Wilson County?
The median 7(a) approval was $250K and the median 504 approval $2.1M; the Tennessee 7(a) median was $250K.
Which industries get the most SBA loans in Wilson County?
Other Amusement and Recreation Industries (8); Services to Buildings and Dwellings (6); Restaurants and Other Eating Places (5); Other Specialty Trade Contractors (4); Automotive Repair and Maintenance (4).
Is SBA lending in Wilson County rising?
Approvals in the three latest complete fiscal years total 73, against 31 in the three before: rising (+135%).
How does Wilson County compare with the rest of Tennessee?
27.5 approvals per 1,000 establishments against 25.1 statewide, and 92 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