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County9th of 14 in Vermont by approvalsFIPS 50019
SBA loans in Orleans 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 Orleans County, Vermont, received 43 SBA loan approvals worth $7.3M in FY2021 to FY2025 (38 7(a), 5 504).
That is 55.0 approvals per 1,000 business establishments (782 establishments in 2023), above the Vermont figure of 44.0 and above the national 41.0.
It ranks 9th of 14 Vermont counties with approvals. In FY2025 there were 7.
11 lenders had approvals here; the most active were Community National Bank (16), North Country Federal Credit Union (9) and Granite State Economic Development Corporation (4). The most common industry was general freight trucking.
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 Orleans 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 | 16 | $1.2M | 37.2% | |
| 2 | North Country Federal Credit UnionSouth Burlington, VT | 9 | $478K | 20.9% | |
| 3 | Granite State Economic Development CorporationPortsmouth, NH · CDC | 4 | $1.2M | 9.3% | |
| 4 | TD Bank, National AssociationWilmington, DE | 3 | $179K | 7.0% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 2 | — | 4.7% | |
| 6 | Manufacturers and Traders Trust CompanyBuffalo, NY | 2 | — | 4.7% | |
| 7 | Union BankMorrisville, VT | 2 | — | 4.7% | |
| 8 | EastRise Federal Credit UnionWilliston, VT | 2 | — | 4.7% | |
| 9 | New England Certified Development CorporationWakefield, MA · CDC | 1 | — | 2.3% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 2.3% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 1 | — | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 10 | 23.3% | |
| 2 | Grocery StoresNAICS 4451 | 4 | 9.3% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 3 | 7.0% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 4.7% | |
| 5 | Residential Building ConstructionNAICS 2361 | 2 | 4.7% | |
| 6 | Special Food ServicesNAICS 7223 | 2 | 4.7% | |
| 7 | Highway, Street, and Bridge ConstructionNAICS 2373 | 2 | 4.7% | |
| 8 | Traveler AccommodationNAICS 7211 | 1 | 2.3% | |
| 9 | Automobile DealersNAICS 4411 | 1 | 2.3% | |
| 10 | Offices of Other Health PractitionersNAICS 6213 | 1 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 25.6% | |
| 2 | Transportation and Warehousing | 11 | 25.6% | |
| 3 | Construction | 6 | 14.0% | |
| 4 | Accommodation and Food Services | 4 | 9.3% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 4 | 9.3% | |
| 6 | Other Services (except Public Administration) | 2 | 4.7% | |
| 7 | Manufacturing | 2 | 4.7% | |
| 8 | Health Care and Social Assistance | 1 | 2.3% |
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* | 5 | $147K | $25K | 0 | — | 5 | 16 |
| FY2025 | 7 | $380K | $50K | 0 | — | 7 | 57 |
| FY2024 | 7 | $1.8M | $45K | 0 | — | 7 | 34 |
| FY2023 | 7 | $1.7M | $52K | 0 | — | 7 | 18 |
| FY2022 | 11 | $1.0M | $32K | 1 | — | 12 | 96 |
| FY2021 | 6 | $680K | $75K | 4 | $1.2M | 10 | 77 |
| FY2020 | 12 | $1.1M | $55K | 0 | — | 12 | 36 |
| FY2019 | 5 | $370K | $50K | 0 | — | 5 | 26 |
| FY2018 | 11 | $737K | $60K | 2 | — | 13 | 27 |
| FY2017 | 11 | $747K | $57K | 1 | — | 12 | 55 |
| FY2016 | 13 | $1.4M | $50K | 3 | $654K | 16 | 71 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 58 approvals.
Against Vermont and the country
| FY2021–FY2025 | Orleans County | Vermont | United States |
|---|---|---|---|
| Approvals | 43 | 918 | 342,825 |
| Approvals per 1,000 establishments | 55.0 | 44.0 | 41.0 |
| Median 7(a) approval | $50K | $75K | $190K |
| Median 504 approval | $299K | $397K | $657K |
| Average approval | $169K | $330K | $573K |
| 504 share of approvals | 11.6% | 12.4% | 11.0% |
| Jobs supported per approval, as reported | 6.6 | 7.6 | 10.5 |
| Share of state approvals | 4.7% | 100.0% | — |
Approval sizes
- $50,000 or less51.2%22
- $50,001 to $150,00025.6%11
- $150,001 to $350,00014.0%6
- $350,001 to $1 million4.7%2
- $1 million to $2 million4.7%2
Age of the businesses
- Existing, more than 2 years old53.5%23
- New business, 2 years or less18.6%8
- Startup, loan funds will open the business25.6%11
- Change of ownership2.3%1
Questions and answers
Which lenders make the most SBA loans in Orleans County?
By approvals in FY2021 to FY2025: Community National Bank (16), North Country Federal Credit Union (9), Granite State Economic Development Corporation (4), TD Bank, National Association (3), Live Oak Banking Company (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Orleans County?
The median 7(a) approval was $50K and the median 504 approval $299K; the Vermont 7(a) median was $75K.
Which industries get the most SBA loans in Orleans County?
General Freight Trucking (10); Grocery Stores (4); Services to Buildings and Dwellings (3); Automotive Repair and Maintenance (2); Residential Building Construction (2).
Is SBA lending in Orleans County rising?
Approvals in the three latest complete fiscal years total 21, against 34 in the three before: falling (-38%).
How does Orleans County compare with the rest of Vermont?
55.0 approvals per 1,000 establishments against 44.0 statewide, and 43 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