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County4th of 39 in Washington by approvalsFIPS 53011
SBA loans in Clark 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.
SBA approved 614 loans to businesses in Clark County, Washington, in FY2021 to FY2025, worth $399M: 557 under 7(a) and 57 under 504.
That is 48.9 approvals per 1,000 business establishments (12,552 establishments in 2023), close to the Washington figure of 44.0 and above the national 41.0.
It ranks 4th of 39 Washington counties with approvals. In FY2025 there were 177, up 40% on FY2024.
66 lenders had approvals here; the most active were Columbia Bank (97), U.S. Bank, National Association (56) and Banner Bank (49). 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 Clark County
By number of approvals to businesses in the county, FY2021–FY2025; 66 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Columbia BankLake Oswego, OR | 97 | $41.8M | 15.8% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 56 | $14.2M | 9.1% | |
| 3 | Banner BankWalla Walla, WA | 49 | $14.0M | 8.0% | |
| 4 | KeyBank National AssociationCleveland, OH | 38 | $17.2M | 6.2% | |
| 5 | Evergreen Business CapitalSeattle, WA · CDC | 27 | $39.4M | 4.4% | |
| 6 | Northeast BankLewiston, ME | 23 | $3.3M | 3.7% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 22 | $7.9M | 3.6% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 21 | $8.1M | 3.4% | |
| 9 | BayFirst National BankSaint Petersburg, FL | 20 | $3.2M | 3.3% | |
| 10 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 19 | $31.1M | 3.1% | |
| 11 | Washington Trust BankSpokane, WA | 19 | $7.9M | 3.1% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 17 | $24.8M | 2.8% | |
| 13 | Readycap Lending, LLCBerkeley Heights, NJ | 16 | $9.9M | 2.6% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 15 | $2.1M | 2.4% | |
| 15 | The Huntington National BankColumbus, OH | 14 | $8.1M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 37 | 6.0% | |
| 2 | Residential Building ConstructionNAICS 2361 | 33 | 5.4% | |
| 3 | General Freight TruckingNAICS 4841 | 27 | 4.4% | |
| 4 | Personal Care ServicesNAICS 8121 | 25 | 4.1% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 24 | 3.9% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 21 | 3.4% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 21 | 3.4% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 19 | 3.1% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 18 | 2.9% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 18 | 2.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 113 | 18.4% | |
| 2 | Health Care and Social Assistance | 67 | 10.9% | |
| 3 | Other Services (except Public Administration) | 60 | 9.8% | |
| 4 | Retail Trade | 53 | 8.6% | |
| 5 | Professional, Scientific, and Technical Services | 52 | 8.5% | |
| 6 | Accommodation and Food Services | 50 | 8.1% | |
| 7 | Transportation and Warehousing | 45 | 7.3% | |
| 8 | Manufacturing | 43 | 7.0% |
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* | 110 | $45.1M | $150K | 3 | $4.4M | 113 | 992 |
| FY2025 | 166 | $69.5M | $132K | 11 | $13.7M | 177 | 1,386 |
| FY2024 | 118 | $46.5M | $150K | 8 | $8.9M | 126 | 1,303 |
| FY2023 | 102 | $82.0M | $150K | 16 | $30.3M | 118 | 1,203 |
| FY2022 | 82 | $45.9M | $117K | 15 | $28.5M | 97 | 1,103 |
| FY2021 | 89 | $67.8M | $352K | 7 | $5.5M | 96 | 958 |
| FY2020 | 94 | $62.6M | $236K | 6 | $11.3M | 100 | 1,238 |
| FY2019 | 91 | $43.5M | $150K | 8 | $6.4M | 99 | 656 |
| FY2018 | 102 | $32.9M | $120K | 12 | $7.8M | 114 | 1,224 |
| FY2017 | 116 | $51.6M | $205K | 6 | $4.4M | 122 | 1,517 |
| FY2016 | 94 | $45.7M | $135K | 12 | $14.2M | 106 | 710 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 541 approvals.
Against Washington and the country
| FY2021–FY2025 | Clark County | Washington | United States |
|---|---|---|---|
| Approvals | 614 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 48.9 | 44.0 | 41.0 |
| Median 7(a) approval | $150K | $200K | $190K |
| Median 504 approval | $862K | $699K | $657K |
| Average approval | $649K | $627K | $573K |
| 504 share of approvals | 9.3% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 9.7 | 9.2 | 10.5 |
| Share of state approvals | 6.9% | 100.0% | — |
Approval sizes
- $50,000 or less26.9%165
- $50,001 to $150,00019.9%122
- $150,001 to $350,00013.2%81
- $350,001 to $1 million23.6%145
- $1 million to $2 million7.5%46
- Over $2 million9.0%55
Age of the businesses
- Existing, more than 2 years old64.0%393
- New business, 2 years or less17.3%106
- Startup, loan funds will open the business9.9%61
- Change of ownership8.6%53
- Not answered0.2%1
Questions and answers
Which lenders make the most SBA loans in Clark County?
By approvals in FY2021 to FY2025: Columbia Bank (97), U.S. Bank, National Association (56), Banner Bank (49), KeyBank National Association (38), Evergreen Business Capital (27). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clark County?
The median 7(a) approval was $150K and the median 504 approval $862K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Clark County?
Restaurants and Other Eating Places (37); Residential Building Construction (33); General Freight Trucking (27); Personal Care Services (25); Building Equipment Contractors (24).
Is SBA lending in Clark County rising?
Approvals in the three latest complete fiscal years total 421, against 293 in the three before: rising (+44%).
How does Clark County compare with the rest of Washington?
48.9 approvals per 1,000 establishments against 44.0 statewide, and 614 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