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County34th of 130 in Virginia by approvalsFIPS 51610
SBA loans in Falls Church city, Virginia
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 Falls Church city, Virginia, received 33 SBA loan approvals worth $12.4M in FY2021 to FY2025 (31 7(a), 2 504).
That is 37.4 approvals per 1,000 business establishments (883 establishments in 2023), above the Virginia figure of 27.9 and close to the national 41.0.
It ranks 34th of 130 Virginia counties with approvals. In FY2025 there were 17.
20 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (8), Celtic Bank Corporation (2) and Readycap Lending, LLC (2). 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 Falls Church city
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 8 | $1.5M | 24.2% | |
| 2 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 6.1% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 6.1% | |
| 4 | JPMorgan Chase Bank, National AssociationColumbus, OH | 2 | — | 6.1% | |
| 5 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 6.1% | |
| 6 | Lendistry SBLC, LLCLos Angeles, CA | 2 | — | 6.1% | |
| 7 | Northeast BankLewiston, ME | 2 | — | 6.1% | |
| 8 | Millennium BankDes Plaines, IL | 1 | — | 3.0% | |
| 9 | Business Finance Group, Inc.Fairfax, VA · CDC | 1 | — | 3.0% | |
| 10 | First Bank of the LakeOsage Beach, MO | 1 | — | 3.0% | |
| 11 | MainStreet BankFairfax, VA | 1 | — | 3.0% | |
| 12 | Bank of America, National AssociationCharlotte, NC | 1 | — | 3.0% | |
| 13 | PNC Bank, National AssociationWilmington, DE | 1 | — | 3.0% | |
| 14 | Capital One National AssociationMcLean, VA | 1 | — | 3.0% | |
| 15 | The Huntington National BankColumbus, OH | 1 | — | 3.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 15.2% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 12.1% | |
| 3 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 9.1% | |
| 4 | Offices of DentistsNAICS 6212 | 2 | 6.1% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 2 | 6.1% | |
| 6 | Jewelry, Luggage, and Leather Goods StoresNAICS 4483 | 1 | 3.0% | |
| 7 | Architectural, Engineering, and Related ServicesNAICS 5413 | 1 | 3.0% | |
| 8 | Specialty Food StoresNAICS 4452 | 1 | 3.0% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 3.0% | |
| 10 | Couriers and Express Delivery ServicesNAICS 4921 | 1 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 7 | 21.2% | |
| 2 | Retail Trade | 6 | 18.2% | |
| 3 | Arts, Entertainment, and Recreation | 6 | 18.2% | |
| 4 | Accommodation and Food Services | 4 | 12.1% | |
| 5 | Health Care and Social Assistance | 4 | 12.1% | |
| 6 | Transportation and Warehousing | 2 | 6.1% | |
| 7 | Other Services (except Public Administration) | 2 | 6.1% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 1 | 3.0% |
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* | 6 | $2.1M | $325K | 1 | — | 7 | 55 |
| FY2025 | 16 | $6.7M | $213K | 1 | — | 17 | 253 |
| FY2024 | 9 | $1.8M | $175K | 0 | — | 9 | 75 |
| FY2023 | 2 | — | — | 0 | — | 2 | 88 |
| FY2022 | 1 | — | — | 0 | — | 1 | 2 |
| FY2021 | 3 | $2.1M | $516K | 1 | — | 4 | 52 |
| FY2020 | 6 | $1.1M | $55K | 0 | — | 6 | 82 |
| FY2019 | 3 | $278K | $20K | 0 | — | 3 | 27 |
| FY2018 | 0 | — | — | 0 | — | 0 | 0 |
| FY2017 | 5 | $2.1M | $160K | 1 | — | 6 | 68 |
| FY2016 | 5 | $3.0M | $225K | 1 | — | 6 | 76 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 21 approvals.
Against Virginia and the country
| FY2021–FY2025 | Falls Church city | Virginia | United States |
|---|---|---|---|
| Approvals | 33 | 5,893 | 342,825 |
| Approvals per 1,000 establishments | 37.4 | 27.9 | 41.0 |
| Median 7(a) approval | $175K | $212K | $190K |
| Median 504 approval | — | $484K | $657K |
| Average approval | $374K | $573K | $573K |
| 504 share of approvals | 6.1% | 11.6% | 11.0% |
| Jobs supported per approval, as reported | 14.2 | 12.3 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less15.2%5
- $50,001 to $150,00030.3%10
- $150,001 to $350,00024.2%8
- $350,001 to $1 million24.2%8
- $1 million to $2 million3.0%1
- Over $2 million3.0%1
Age of the businesses
- Existing, more than 2 years old57.6%19
- New business, 2 years or less6.1%2
- Startup, loan funds will open the business33.3%11
- Change of ownership3.0%1
Questions and answers
Which lenders make the most SBA loans in Falls Church city?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (8), Celtic Bank Corporation (2), Readycap Lending, LLC (2), JPMorgan Chase Bank, National Association (2), United Midwest Savings Bank National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Falls Church city?
The median 7(a) approval was $175K; the Virginia 7(a) median was $212K.
Which industries get the most SBA loans in Falls Church city?
Other Amusement and Recreation Industries (5); Restaurants and Other Eating Places (4); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (3); Offices of Dentists (2); Offices of Other Health Practitioners (2).
Is SBA lending in Falls Church city rising?
Approvals in the three latest complete fiscal years total 28, against 11 in the three before: rising (+155%).
How does Falls Church city compare with the rest of Virginia?
37.4 approvals per 1,000 establishments against 27.9 statewide, and 33 of the state's 5,893 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