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County21st of 130 in Virginia by approvalsFIPS 51061
SBA loans in Fauquier County, 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.
SBA approved 61 loans to businesses in Fauquier County, Virginia, in FY2021 to FY2025, worth $36.2M: 51 under 7(a) and 10 under 504.
That is 30.3 approvals per 1,000 business establishments (2,015 establishments in 2023), close to the Virginia figure of 27.9 and below the national 41.0.
It ranks 21st of 130 Virginia counties with approvals. In FY2025 there were 8.
27 lenders had approvals here; the most active were Manufacturers and Traders Trust Company (7), Virginia National Bank (6) and Rappahannock Economic Development Corporation (5). The most common industry was computer systems design and related services.
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 Fauquier County
By number of approvals to businesses in the county, FY2021–FY2025; 27 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Manufacturers and Traders Trust CompanyBuffalo, NY | 7 | $816K | 11.5% | |
| 2 | Virginia National BankCharlottesville, VA | 6 | $3.4M | 9.8% | |
| 3 | Rappahannock Economic Development CorporationFredericksburg, VA · CDC | 5 | $4.6M | 8.2% | |
| 4 | Business Finance Group, Inc.Fairfax, VA · CDC | 4 | $5.7M | 6.6% | |
| 5 | SouthState Bank, National AssociationWinter Haven, FL | 4 | $2.6M | 6.6% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 4 | $459K | 6.6% | |
| 7 | Oak View National BankWarrenton, VA | 3 | $830K | 4.9% | |
| 8 | Blue Ridge Bank National AssociationMartinsville, VA | 2 | — | 3.3% | |
| 9 | Potomac BankCharles Town, WV | 2 | — | 3.3% | |
| 10 | First National Bank of PennsylvaniaGreenville, PA | 2 | — | 3.3% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 2 | — | 3.3% | |
| 12 | University of Virginia Community Credit Union IncCharlottesville, VA | 2 | — | 3.3% | |
| 13 | Northeast BankLewiston, ME | 2 | — | 3.3% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.3% | |
| 15 | TD Bank, National AssociationWilmington, DE | 2 | — | 3.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Computer Systems Design and Related ServicesNAICS 5415 | 5 | 8.2% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 8.2% | |
| 3 | General Freight TruckingNAICS 4841 | 4 | 6.6% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.9% | |
| 5 | Building Finishing ContractorsNAICS 2383 | 3 | 4.9% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 3 | 4.9% | |
| 7 | Personal Care ServicesNAICS 8121 | 3 | 4.9% | |
| 8 | Printing and Related Support ActivitiesNAICS 3231 | 2 | 3.3% | |
| 9 | Other Personal ServicesNAICS 8129 | 2 | 3.3% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 3.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 11 | 18.0% | |
| 2 | Professional, Scientific, and Technical Services | 9 | 14.8% | |
| 3 | Manufacturing | 7 | 11.5% | |
| 4 | Other Services (except Public Administration) | 7 | 11.5% | |
| 5 | Arts, Entertainment, and Recreation | 5 | 8.2% | |
| 6 | Transportation and Warehousing | 4 | 6.6% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 6.6% | |
| 8 | Retail Trade | 3 | 4.9% |
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* | 4 | $1.4M | $200K | 0 | — | 4 | 99 |
| FY2025 | 7 | $1.9M | $150K | 1 | — | 8 | 78 |
| FY2024 | 7 | $7.1M | $250K | 2 | — | 9 | 197 |
| FY2023 | 15 | $4.5M | $150K | 2 | — | 17 | 142 |
| FY2022 | 16 | $7.7M | $304K | 2 | — | 18 | 192 |
| FY2021 | 6 | $3.8M | $175K | 3 | $5.5M | 9 | 61 |
| FY2020 | 6 | $2.7M | $225K | 2 | — | 8 | 74 |
| FY2019 | 12 | $2.8M | $100K | 3 | $1.0M | 15 | 111 |
| FY2018 | 9 | $4.5M | $100K | 0 | — | 9 | 185 |
| FY2017 | 5 | $689K | $119K | 0 | — | 5 | 24 |
| FY2016 | 11 | $2.6M | $200K | 1 | — | 12 | 145 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 49 approvals.
Against Virginia and the country
| FY2021–FY2025 | Fauquier County | Virginia | United States |
|---|---|---|---|
| Approvals | 61 | 5,893 | 342,825 |
| Approvals per 1,000 establishments | 30.3 | 27.9 | 41.0 |
| Median 7(a) approval | $250K | $212K | $190K |
| Median 504 approval | $1.2M | $484K | $657K |
| Average approval | $593K | $573K | $573K |
| 504 share of approvals | 16.4% | 11.6% | 11.0% |
| Jobs supported per approval, as reported | 11.0 | 12.3 | 10.5 |
| Share of state approvals | 1.0% | 100.0% | — |
Approval sizes
- $50,000 or less14.8%9
- $50,001 to $150,00026.2%16
- $150,001 to $350,00016.4%10
- $350,001 to $1 million24.6%15
- $1 million to $2 million13.1%8
- Over $2 million4.9%3
Age of the businesses
- Existing, more than 2 years old55.7%34
- New business, 2 years or less13.1%8
- Startup, loan funds will open the business26.2%16
- Change of ownership4.9%3
Questions and answers
Which lenders make the most SBA loans in Fauquier County?
By approvals in FY2021 to FY2025: Manufacturers and Traders Trust Company (7), Virginia National Bank (6), Rappahannock Economic Development Corporation (5), Business Finance Group, Inc. (4), SouthState Bank, National Association (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Fauquier County?
The median 7(a) approval was $250K and the median 504 approval $1.2M; the Virginia 7(a) median was $212K.
Which industries get the most SBA loans in Fauquier County?
Computer Systems Design and Related Services (5); Other Specialty Trade Contractors (5); General Freight Trucking (4); Other Amusement and Recreation Industries (3); Building Finishing Contractors (3).
Is SBA lending in Fauquier County rising?
Approvals in the three latest complete fiscal years total 34, against 35 in the three before: broadly level (-3%).
How does Fauquier County compare with the rest of Virginia?
30.3 approvals per 1,000 establishments against 27.9 statewide, and 61 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