County5th of 29 in Utah by approvalsFIPS 49057
SBA loans in Weber County, Utah
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 Weber County, Utah, received 373 SBA loan approvals worth $228M in FY2021 to FY2025 (286 7(a), 87 504).
That is 58.4 approvals per 1,000 business establishments (6,389 establishments in 2023), close to the Utah figure of 67.5 and above the national 41.0.
It ranks 5th of 29 Utah counties with approvals. In FY2025 there were 99, up 16% on FY2024.
55 lenders had approvals here; the most active were Mountain West Small Business Finance (49), America First Federal Credit Union (38) and Intermountain Business Lending, Inc. (36). The most common industry was automotive repair and maintenance.
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 Weber County
By number of approvals to businesses in the county, FY2021–FY2025; 55 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Mountain West Small Business FinanceSalt Lake City, UT · CDC | 49 | $56.1M | 13.1% | |
| 2 | America First Federal Credit UnionRiverdale, UT | 38 | $24.1M | 10.2% | |
| 3 | Intermountain Business Lending, Inc.Ogden, UT · CDC | 36 | $30.6M | 9.7% | |
| 4 | Zions Bank, A Division ofSalt Lake City, UT | 29 | $7.7M | 7.8% | |
| 5 | Cache Valley BankLogan, UT | 21 | $8.7M | 5.6% | |
| 6 | Wasatch Peaks FCUOgden, UT | 17 | $5.3M | 4.6% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 13 | $19.2M | 3.5% | |
| 8 | The Huntington National BankColumbus, OH | 13 | $5.9M | 3.5% | |
| 9 | Wells Fargo Bank National AssociationSioux Falls, SD | 12 | $2.7M | 3.2% | |
| 10 | U.S. Bank, National AssociationCincinnati, OH | 12 | $697K | 3.2% | |
| 11 | Mountain America FCUSandy, UT | 10 | $1.8M | 2.7% | |
| 12 | Celtic Bank CorporationSalt Lake City, UT | 9 | $6.4M | 2.4% | |
| 13 | Northeast BankLewiston, ME | 9 | $1.3M | 2.4% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 8 | $3.8M | 2.1% | |
| 15 | Citizens BankElizabethton, TN | 7 | $4.5M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Automotive Repair and MaintenanceNAICS 8111 | 25 | 6.7% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 25 | 6.7% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 20 | 5.4% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 15 | 4.0% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 14 | 3.8% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 13 | 3.5% | |
| 7 | General Freight TruckingNAICS 4841 | 12 | 3.2% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 11 | 2.9% | |
| 9 | Offices of DentistsNAICS 6212 | 8 | 2.1% | |
| 10 | Residential Building ConstructionNAICS 2361 | 8 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 59 | 15.8% | |
| 2 | Construction | 55 | 14.7% | |
| 3 | Other Services (except Public Administration) | 38 | 10.2% | |
| 4 | Health Care and Social Assistance | 35 | 9.4% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 32 | 8.6% | |
| 6 | Accommodation and Food Services | 31 | 8.3% | |
| 7 | Manufacturing | 29 | 7.8% | |
| 8 | Professional, Scientific, and Technical Services | 27 | 7.2% |
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* | 40 | $25.1M | $175K | 17 | $20.8M | 57 | 707 |
| FY2025 | 80 | $32.6M | $150K | 19 | $26.5M | 99 | 901 |
| FY2024 | 78 | $35.0M | $250K | 7 | $7.6M | 85 | 1,093 |
| FY2023 | 47 | $22.3M | $300K | 16 | $17.9M | 63 | 877 |
| FY2022 | 34 | $21.7M | $285K | 21 | $15.8M | 55 | 713 |
| FY2021 | 47 | $27.6M | $300K | 24 | $21.0M | 71 | 818 |
| FY2020 | 42 | $13.6M | $168K | 16 | $7.3M | 58 | 433 |
| FY2019 | 45 | $17.0M | $225K | 16 | $10.7M | 61 | 481 |
| FY2018 | 49 | $31.1M | $315K | 11 | $7.6M | 60 | 645 |
| FY2017 | 60 | $31.4M | $266K | 14 | $13.9M | 74 | 1,031 |
| FY2016 | 69 | $22.9M | $125K | 13 | $10.2M | 82 | 707 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 335 approvals.
Against Utah and the country
| FY2021–FY2025 | Weber County | Utah | United States |
|---|---|---|---|
| Approvals | 373 | 6,449 | 342,825 |
| Approvals per 1,000 establishments | 58.4 | 67.5 | 41.0 |
| Median 7(a) approval | $239K | $200K | $190K |
| Median 504 approval | $672K | $689K | $657K |
| Average approval | $611K | $628K | $573K |
| 504 share of approvals | 23.3% | 21.6% | 11.0% |
| Jobs supported per approval, as reported | 11.8 | 11.9 | 10.5 |
| Share of state approvals | 5.8% | 100.0% | — |
Approval sizes
- $50,000 or less14.7%55
- $50,001 to $150,00018.5%69
- $150,001 to $350,00020.9%78
- $350,001 to $1 million29.0%108
- $1 million to $2 million11.3%42
- Over $2 million5.6%21
Age of the businesses
- Existing, more than 2 years old57.1%213
- New business, 2 years or less16.4%61
- Startup, loan funds will open the business18.2%68
- Change of ownership8.3%31
Questions and answers
Which lenders make the most SBA loans in Weber County?
By approvals in FY2021 to FY2025: Mountain West Small Business Finance (49), America First Federal Credit Union (38), Intermountain Business Lending, Inc. (36), Zions Bank, A Division of (29), Cache Valley Bank (21). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Weber County?
The median 7(a) approval was $239K and the median 504 approval $672K; the Utah 7(a) median was $200K.
Which industries get the most SBA loans in Weber County?
Automotive Repair and Maintenance (25); Restaurants and Other Eating Places (25); Services to Buildings and Dwellings (20); Offices of Other Health Practitioners (15); Other Specialty Trade Contractors (14).
Is SBA lending in Weber County rising?
Approvals in the three latest complete fiscal years total 247, against 184 in the three before: rising (+34%).
How does Weber County compare with the rest of Utah?
58.4 approvals per 1,000 establishments against 67.5 statewide, and 373 of the state's 6,449 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