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County11th of 14 in Vermont by approvalsFIPS 50017
SBA loans in Orange County, Vermont
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 Orange County, Vermont, received 40 SBA loan approvals worth $9.7M in FY2021 to FY2025 (35 7(a), 5 504).
That is 56.3 approvals per 1,000 business establishments (711 establishments in 2023), above the Vermont figure of 44.0 and above the national 41.0.
It ranks 11th of 14 Vermont counties with approvals. In FY2025 there were 12.
11 lenders had approvals here; the most active were Community National Bank (13), Bar Harbor Bank & Trust (11) and Granite State Economic Development Corporation (5). The most common industry was lawn and garden equipment and supplies stores.
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 Orange County
By number of approvals to businesses in the county, FY2021–FY2025; 11 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Community National BankDerby, VT | 13 | $2.4M | 32.5% | |
| 2 | Bar Harbor Bank & TrustBar Harbor, ME | 11 | $1.4M | 27.5% | |
| 3 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 5 | $4.7M | 12.5% | |
| 4 | EastRise Federal Credit UnionWilliston, VT | 3 | $453K | 7.5% | |
| 5 | TD Bank, National AssociationWilmington, DE | 2 | — | 5.0% | |
| 6 | Heritage Family FCURutland, VT | 1 | — | 2.5% | |
| 7 | Northeast BankLewiston, ME | 1 | — | 2.5% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 1 | — | 2.5% | |
| 9 | Mascoma BankLebanon, NH | 1 | — | 2.5% | |
| 10 | Vermont Community Loan Fund, Inc.Montpelier, VT | 1 | — | 2.5% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Lawn and Garden Equipment and Supplies StoresNAICS 4442 | 4 | 10.0% | |
| 2 | Traveler AccommodationNAICS 7211 | 3 | 7.5% | |
| 3 | Other Food ManufacturingNAICS 3119 | 3 | 7.5% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 7.5% | |
| 5 | Electric Power Generation, Transmission and DistributionNAICS 2211 | 2 | 5.0% | |
| 6 | Other Leather and Allied Product ManufacturingNAICS 3169 | 2 | 5.0% | |
| 7 | Investigation and Security ServicesNAICS 5616 | 2 | 5.0% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 5.0% | |
| 9 | General Freight TruckingNAICS 4841 | 2 | 5.0% | |
| 10 | Cut and Sew Apparel ManufacturingNAICS 3152 | 1 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Manufacturing | 10 | 25.0% | |
| 2 | Retail Trade | 6 | 15.0% | |
| 3 | Accommodation and Food Services | 5 | 12.5% | |
| 4 | Construction | 5 | 12.5% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 3 | 7.5% | |
| 6 | Other Services (except Public Administration) | 3 | 7.5% | |
| 7 | Utilities | 2 | 5.0% | |
| 8 | Transportation and Warehousing | 2 | 5.0% |
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* | 9 | $2.8M | $113K | 0 | — | 9 | 101 |
| FY2025 | 11 | $1.9M | $100K | 1 | — | 12 | 108 |
| FY2024 | 6 | $551K | $45K | 1 | — | 7 | 49 |
| FY2023 | 8 | $958K | $43K | 1 | — | 9 | 36 |
| FY2022 | 5 | $1.2M | $293K | 2 | — | 7 | 36 |
| FY2021 | 5 | $457K | $69K | 0 | — | 5 | 34 |
| FY2020 | 13 | $3.6M | $165K | 2 | — | 15 | 115 |
| FY2019 | 16 | $1.4M | $50K | 0 | — | 16 | 90 |
| FY2018 | 4 | $585K | $113K | 2 | — | 6 | 38 |
| FY2017 | 4 | $471K | $120K | 0 | — | 4 | 35 |
| FY2016 | 6 | $471K | $54K | 0 | — | 6 | 56 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 47 approvals.
Against Vermont and the country
| FY2021–FY2025 | Orange County | Vermont | United States |
|---|---|---|---|
| Approvals | 40 | 918 | 342,825 |
| Approvals per 1,000 establishments | 56.3 | 44.0 | 41.0 |
| Median 7(a) approval | $100K | $75K | $190K |
| Median 504 approval | $361K | $397K | $657K |
| Average approval | $244K | $330K | $573K |
| 504 share of approvals | 12.5% | 12.4% | 11.0% |
| Jobs supported per approval, as reported | 6.6 | 7.6 | 10.5 |
| Share of state approvals | 4.4% | 100.0% | — |
Approval sizes
- $50,000 or less25.0%10
- $50,001 to $150,00035.0%14
- $150,001 to $350,00027.5%11
- $350,001 to $1 million10.0%4
- Over $2 million2.5%1
Age of the businesses
- Existing, more than 2 years old47.5%19
- New business, 2 years or less30.0%12
- Startup, loan funds will open the business15.0%6
- Change of ownership7.5%3
Questions and answers
Which lenders make the most SBA loans in Orange County?
By approvals in FY2021 to FY2025: Community National Bank (13), Bar Harbor Bank & Trust (11), Granite State Economic Development Corporation (5), EastRise Federal Credit Union (3), TD Bank, National Association (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Orange County?
The median 7(a) approval was $100K and the median 504 approval $361K; the Vermont 7(a) median was $75K.
Which industries get the most SBA loans in Orange County?
Lawn and Garden Equipment and Supplies Stores (4); Traveler Accommodation (3); Other Food Manufacturing (3); Automotive Repair and Maintenance (3); Electric Power Generation, Transmission and Distribution (2).
Is SBA lending in Orange County rising?
Approvals in the three latest complete fiscal years total 28, against 27 in the three before: broadly level (+4%).
How does Orange County compare with the rest of Vermont?
56.3 approvals per 1,000 establishments against 44.0 statewide, and 40 of the state's 918 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