States › Texas › Grayson County
County33rd of 227 in Texas by approvalsFIPS 48181
SBA loans in Grayson County, Texas
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 125 loans to businesses in Grayson County, Texas, in FY2021 to FY2025, worth $136M: 120 under 7(a) and 5 under 504.
That is 43.1 approvals per 1,000 business establishments (2,899 establishments in 2023), above the Texas figure of 37.2 and close to the national 41.0.
It ranks 33rd of 227 Texas counties with approvals. In FY2025 there were 25, down 19% on FY2024.
49 lenders had approvals here; the most active were Metro City Bank (11), Newtek Small Business Finance, Inc. (9) and Readycap Lending, LLC (8). The most common industry was offices of other health practitioners.
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 Grayson County
By number of approvals to businesses in the county, FY2021–FY2025; 49 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Metro City BankDoraville, GA | 11 | $20.6M | 8.8% | |
| 2 | Newtek Small Business Finance, Inc.Lake Success, NY | 9 | $2.6M | 7.2% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 8 | $15.5M | 6.4% | |
| 4 | Live Oak Banking CompanyWilmington, NC | 7 | $15.7M | 5.6% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 7 | $3.8M | 5.6% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $4.2M | 4.8% | |
| 7 | First United Bank and Trust CompanyDurant, OK | 6 | $2.8M | 4.8% | |
| 8 | First Internet Bank of IndianaFishers, IN | 5 | $6.5M | 4.0% | |
| 9 | The Huntington National BankColumbus, OH | 5 | $930K | 4.0% | |
| 10 | AmeriState BankAtoka, OK | 4 | $1.6M | 3.2% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 4 | $535K | 3.2% | |
| 12 | Midwest Regional BankFestus, MO | 3 | $7.1M | 2.4% | |
| 13 | First Bank of the LakeOsage Beach, MO | 3 | $5.2M | 2.4% | |
| 14 | Capital Certified Development CorporationAustin, TX · CDC | 3 | $4.0M | 2.4% | |
| 15 | US Metro BankGarden Grove, CA | 3 | $2.1M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Offices of Other Health PractitionersNAICS 6213 | 12 | 9.6% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 8.0% | |
| 3 | Gasoline StationsNAICS 4471 | 8 | 6.4% | |
| 4 | Traveler AccommodationNAICS 7211 | 6 | 4.8% | |
| 5 | Gasoline StationsNAICS 4571 | 6 | 4.8% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 5 | 4.0% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 3.2% | |
| 8 | Child Day Care ServicesNAICS 6244 | 4 | 3.2% | |
| 9 | Outpatient Care CentersNAICS 6214 | 4 | 3.2% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 3 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 29 | 23.2% | |
| 2 | Health Care and Social Assistance | 24 | 19.2% | |
| 3 | Accommodation and Food Services | 16 | 12.8% | |
| 4 | Construction | 13 | 10.4% | |
| 5 | Professional, Scientific, and Technical Services | 9 | 7.2% | |
| 6 | Other Services (except Public Administration) | 9 | 7.2% | |
| 7 | Manufacturing | 7 | 5.6% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 5 | 4.0% |
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 | $11.0M | $270K | 3 | $8.4M | 18 | 133 |
| FY2025 | 24 | $19.4M | $247K | 1 | — | 25 | 246 |
| FY2024 | 29 | $36.2M | $500K | 2 | — | 31 | 482 |
| FY2023 | 19 | $13.3M | $350K | 1 | — | 20 | 260 |
| FY2022 | 25 | $32.8M | $625K | 0 | — | 25 | 285 |
| FY2021 | 23 | $28.3M | $1.2M | 1 | — | 24 | 306 |
| FY2020 | 10 | $6.7M | $526K | 0 | — | 10 | 71 |
| FY2019 | 10 | $14.9M | $877K | 0 | — | 10 | 526 |
| FY2018 | 8 | $7.5M | $418K | 0 | — | 8 | 64 |
| FY2017 | 13 | $10.4M | $441K | 0 | — | 13 | 108 |
| FY2016 | 16 | $10.5M | $184K | 0 | — | 16 | 138 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 57 approvals.
Against Texas and the country
| FY2021–FY2025 | Grayson County | Texas | United States |
|---|---|---|---|
| Approvals | 125 | 24,935 | 342,825 |
| Approvals per 1,000 establishments | 43.1 | 37.2 | 41.0 |
| Median 7(a) approval | $442K | $320K | $190K |
| Median 504 approval | $1.1M | $974K | $657K |
| Average approval | $1.1M | $770K | $573K |
| 504 share of approvals | 4.0% | 6.8% | 11.0% |
| Jobs supported per approval, as reported | 12.6 | 12.6 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less5.6%7
- $50,001 to $150,00016.8%21
- $150,001 to $350,00024.0%30
- $350,001 to $1 million20.0%25
- $1 million to $2 million16.0%20
- Over $2 million17.6%22
Age of the businesses
- Existing, more than 2 years old45.6%57
- New business, 2 years or less17.6%22
- Startup, loan funds will open the business24.0%30
- Change of ownership12.8%16
Questions and answers
Which lenders make the most SBA loans in Grayson County?
By approvals in FY2021 to FY2025: Metro City Bank (11), Newtek Small Business Finance, Inc. (9), Readycap Lending, LLC (8), Live Oak Banking Company (7), Newtek Bank, National Association (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Grayson County?
The median 7(a) approval was $442K and the median 504 approval $1.1M; the Texas 7(a) median was $320K.
Which industries get the most SBA loans in Grayson County?
Offices of Other Health Practitioners (12); Restaurants and Other Eating Places (10); Gasoline Stations (8); Traveler Accommodation (6); Gasoline Stations (6).
Is SBA lending in Grayson County rising?
Approvals in the three latest complete fiscal years total 76, against 59 in the three before: rising (+29%).
How does Grayson County compare with the rest of Texas?
43.1 approvals per 1,000 establishments against 37.2 statewide, and 125 of the state's 24,935 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