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County17th of 39 in Washington by approvalsFIPS 53009
SBA loans in Clallam County, Washington
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 Clallam County, Washington, received 65 SBA loan approvals worth $45.4M in FY2021 to FY2025 (56 7(a), 9 504).
That is 30.7 approvals per 1,000 business establishments (2,114 establishments in 2023), below the Washington figure of 44.0 and below the national 41.0.
It ranks 17th of 39 Washington counties with approvals. In FY2025 there were 19, about level with FY2024.
32 lenders had approvals here; the most active were U.S. Bank, National Association (8), Live Oak Banking Company (5) and Northwest Business Development Association (4). 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 Clallam County
By number of approvals to businesses in the county, FY2021–FY2025; 32 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | U.S. Bank, National AssociationCincinnati, OH | 8 | $3.0M | 12.3% | |
| 2 | Live Oak Banking CompanyWilmington, NC | 5 | $5.5M | 7.7% | |
| 3 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 4 | $3.2M | 6.2% | |
| 4 | Columbia BankLake Oswego, OR | 4 | $990K | 6.2% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $4.6M | 4.6% | |
| 6 | Evergreen Business CapitalSeattle, WA · CDC | 3 | $3.2M | 4.6% | |
| 7 | KeyBank National AssociationCleveland, OH | 3 | $1.4M | 4.6% | |
| 8 | First Fed BankPort Angeles, WA | 3 | $1.0M | 4.6% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 3 | $194K | 4.6% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 3.1% | |
| 11 | GBC International BankLos Angeles, CA | 2 | — | 3.1% | |
| 12 | Washington Trust BankSpokane, WA | 2 | — | 3.1% | |
| 13 | HomeTrust BankAsheville, NC | 2 | — | 3.1% | |
| 14 | Ameritrust CDCEdmonds, WA · CDC | 2 | — | 3.1% | |
| 15 | Northeast BankLewiston, ME | 2 | — | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 10.8% | |
| 2 | Gasoline StationsNAICS 4571 | 6 | 9.2% | |
| 3 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 6 | 9.2% | |
| 4 | Traveler AccommodationNAICS 7211 | 5 | 7.7% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 4 | 6.2% | |
| 6 | Residential Building ConstructionNAICS 2361 | 3 | 4.6% | |
| 7 | Child Day Care ServicesNAICS 6244 | 2 | 3.1% | |
| 8 | Lessors of Real EstateNAICS 5311 | 2 | 3.1% | |
| 9 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 3.1% | |
| 10 | Other Personal ServicesNAICS 8129 | 2 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 13 | 20.0% | |
| 2 | Accommodation and Food Services | 13 | 20.0% | |
| 3 | Construction | 10 | 15.4% | |
| 4 | Health Care and Social Assistance | 7 | 10.8% | |
| 5 | Professional, Scientific, and Technical Services | 6 | 9.2% | |
| 6 | Other Services (except Public Administration) | 4 | 6.2% | |
| 7 | Real Estate and Rental and Leasing | 3 | 4.6% | |
| 8 | Manufacturing | 2 | 3.1% |
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* | 13 | $10.4M | $400K | 1 | — | 14 | 114 |
| FY2025 | 19 | $15.8M | $625K | 0 | — | 19 | 128 |
| FY2024 | 17 | $7.6M | $150K | 1 | — | 18 | 81 |
| FY2023 | 4 | $2.9M | $119K | 2 | — | 6 | 28 |
| FY2022 | 7 | $7.3M | $800K | 4 | $4.0M | 11 | 78 |
| FY2021 | 9 | $5.1M | $556K | 2 | — | 11 | 276 |
| FY2020 | 9 | $17.9M | $2.0M | 1 | — | 10 | 223 |
| FY2019 | 8 | $6.5M | $780K | 1 | — | 9 | 46 |
| FY2018 | 14 | $13.1M | $206K | 1 | — | 15 | 130 |
| FY2017 | 16 | $4.3M | $205K | 4 | $3.3M | 20 | 400 |
| FY2016 | 14 | $5.7M | $178K | 1 | — | 15 | 82 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 69 approvals.
Against Washington and the country
| FY2021–FY2025 | Clallam County | Washington | United States |
|---|---|---|---|
| Approvals | 65 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 30.7 | 44.0 | 41.0 |
| Median 7(a) approval | $418K | $200K | $190K |
| Median 504 approval | $345K | $699K | $657K |
| Average approval | $698K | $627K | $573K |
| 504 share of approvals | 13.8% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 9.1 | 9.2 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less18.5%12
- $50,001 to $150,00018.5%12
- $150,001 to $350,00012.3%8
- $350,001 to $1 million33.8%22
- $1 million to $2 million7.7%5
- Over $2 million9.2%6
Age of the businesses
- Existing, more than 2 years old43.1%28
- New business, 2 years or less18.5%12
- Startup, loan funds will open the business12.3%8
- Change of ownership26.2%17
Questions and answers
Which lenders make the most SBA loans in Clallam County?
By approvals in FY2021 to FY2025: U.S. Bank, National Association (8), Live Oak Banking Company (5), Northwest Business Development Association (4), Columbia Bank (4), Readycap Lending, LLC (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clallam County?
The median 7(a) approval was $418K and the median 504 approval $345K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Clallam County?
Restaurants and Other Eating Places (7); Gasoline Stations (6); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (6); Traveler Accommodation (5); Other Specialty Trade Contractors (4).
Is SBA lending in Clallam County rising?
Approvals in the three latest complete fiscal years total 43, against 32 in the three before: rising (+34%).
How does Clallam County compare with the rest of Washington?
30.7 approvals per 1,000 establishments against 44.0 statewide, and 65 of the state's 8,905 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