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County30th of 130 in Virginia by approvalsFIPS 51199
SBA loans in York 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.
Businesses in York County, Virginia, received 44 SBA loan approvals worth $33.3M in FY2021 to FY2025 (32 7(a), 12 504).
That is 29.3 approvals per 1,000 business establishments (1,503 establishments in 2023), close to the Virginia figure of 27.9 and below the national 41.0.
It ranks 30th of 130 Virginia counties with approvals. In FY2025 there were 17.
21 lenders had approvals here; the most active were 504 Capital Corporation (7), Business Finance Group, Inc. (5) and The Huntington National Bank (5). The most common industry was restaurants and other eating places.
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 York County
By number of approvals to businesses in the county, FY2021–FY2025; 21 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | 504 Capital CorporationChesapeake, VA · CDC | 7 | $8.3M | 15.9% | |
| 2 | Business Finance Group, Inc.Fairfax, VA · CDC | 5 | $2.6M | 11.4% | |
| 3 | The Huntington National BankColumbus, OH | 5 | $791K | 11.4% | |
| 4 | GBankLas Vegas, NV | 3 | $11.4M | 6.8% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $379K | 6.8% | |
| 6 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 4.5% | |
| 7 | Live Oak Banking CompanyWilmington, NC | 2 | — | 4.5% | |
| 8 | Wilmington Savings Fund Society FSBWilmington, DE | 2 | — | 4.5% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 2 | — | 4.5% | |
| 10 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 4.5% | |
| 11 | Peoples BankMendenhall, MS | 1 | — | 2.3% | |
| 12 | First National Bank of PennsylvaniaGreenville, PA | 1 | — | 2.3% | |
| 13 | Truist BankCharlotte, NC | 1 | — | 2.3% | |
| 14 | Atlantic Union BankRichmond, VA | 1 | — | 2.3% | |
| 15 | KeyBank National AssociationCleveland, OH | 1 | — | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 13.6% | |
| 2 | Traveler AccommodationNAICS 7211 | 5 | 11.4% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 4 | 9.1% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 6.8% | |
| 5 | Building Finishing ContractorsNAICS 2383 | 3 | 6.8% | |
| 6 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 2 | 4.5% | |
| 7 | Warehouse Clubs, Supercenters, and Other General Merchandise RetailersNAICS 4552 | 2 | 4.5% | |
| 8 | Residential Building ConstructionNAICS 2361 | 2 | 4.5% | |
| 9 | Elementary and Secondary SchoolsNAICS 6111 | 1 | 2.3% | |
| 10 | Legal ServicesNAICS 5411 | 1 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 12 | 27.3% | |
| 2 | Construction | 8 | 18.2% | |
| 3 | Retail Trade | 6 | 13.6% | |
| 4 | Professional, Scientific, and Technical Services | 4 | 9.1% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 4 | 9.1% | |
| 6 | Other Services (except Public Administration) | 3 | 6.8% | |
| 7 | Health Care and Social Assistance | 2 | 4.5% | |
| 8 | Transportation and Warehousing | 2 | 4.5% |
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* | 1 | — | — | 2 | — | 3 | 15 |
| FY2025 | 12 | $2.0M | $163K | 5 | $5.3M | 17 | 164 |
| FY2024 | 5 | $12.0M | $1.7M | 1 | — | 6 | 111 |
| FY2023 | 5 | $2.8M | $150K | 3 | $852K | 8 | 38 |
| FY2022 | 3 | $764K | $287K | 2 | — | 5 | 57 |
| FY2021 | 7 | $4.9M | $425K | 1 | — | 8 | 51 |
| FY2020 | 0 | — | — | 3 | $1.2M | 3 | 7 |
| FY2019 | 3 | $318K | $23K | 2 | — | 5 | 23 |
| FY2018 | 4 | $5.2M | $148K | 1 | — | 5 | 67 |
| FY2017 | 7 | $1.2M | $150K | 0 | — | 7 | 39 |
| FY2016 | 7 | $1.9M | $130K | 1 | — | 8 | 37 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 28 approvals.
Against Virginia and the country
| FY2021–FY2025 | York County | Virginia | United States |
|---|---|---|---|
| Approvals | 44 | 5,893 | 342,825 |
| Approvals per 1,000 establishments | 29.3 | 27.9 | 41.0 |
| Median 7(a) approval | $235K | $212K | $190K |
| Median 504 approval | $406K | $484K | $657K |
| Average approval | $757K | $573K | $573K |
| 504 share of approvals | 27.3% | 11.6% | 11.0% |
| Jobs supported per approval, as reported | 9.6 | 12.3 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less15.9%7
- $50,001 to $150,00013.6%6
- $150,001 to $350,00031.8%14
- $350,001 to $1 million18.2%8
- $1 million to $2 million9.1%4
- Over $2 million11.4%5
Age of the businesses
- Existing, more than 2 years old54.5%24
- New business, 2 years or less9.1%4
- Startup, loan funds will open the business22.7%10
- Change of ownership13.6%6
Questions and answers
Which lenders make the most SBA loans in York County?
By approvals in FY2021 to FY2025: 504 Capital Corporation (7), Business Finance Group, Inc. (5), The Huntington National Bank (5), GBank (3), Readycap Lending, LLC (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in York County?
The median 7(a) approval was $235K and the median 504 approval $406K; the Virginia 7(a) median was $212K.
Which industries get the most SBA loans in York County?
Restaurants and Other Eating Places (6); Traveler Accommodation (5); Services to Buildings and Dwellings (4); Automotive Repair and Maintenance (3); Building Finishing Contractors (3).
Is SBA lending in York County rising?
Approvals in the three latest complete fiscal years total 31, against 16 in the three before: rising (+94%).
How does York County compare with the rest of Virginia?
29.3 approvals per 1,000 establishments against 27.9 statewide, and 44 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