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County18th of 39 in Washington by approvalsFIPS 53071
SBA loans in Walla Walla 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 63 loans to businesses in Walla Walla County, Washington, in FY2021 to FY2025, worth $33.9M: 54 under 7(a) and 9 under 504.
That is 42.3 approvals per 1,000 business establishments (1,491 establishments in 2023), close to the Washington figure of 44.0 and close to the national 41.0.
It ranks 18th of 39 Washington counties with approvals. In FY2025 there were 16, up 45% on FY2024.
24 lenders had approvals here; the most active were Banner Bank (19), Columbia Bank (7) and Northwest Business Development Association (6). The most common industry was beverage manufacturing.
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 Walla Walla County
By number of approvals to businesses in the county, FY2021–FY2025; 24 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Banner BankWalla Walla, WA | 19 | $3.1M | 30.2% | |
| 2 | Columbia BankLake Oswego, OR | 7 | $1.2M | 11.1% | |
| 3 | Northwest Business Development AssociationSpokane Valley, WA · CDC | 6 | $3.1M | 9.5% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 3 | $4.9M | 4.8% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 3 | $4.0M | 4.8% | |
| 6 | KeyBank National AssociationCleveland, OH | 3 | $2.6M | 4.8% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 3 | $1.9M | 4.8% | |
| 8 | Glacier BankKalispell, MT | 2 | — | 3.2% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.2% | |
| 10 | Merchants Bank of IndianaCarmel, IN | 1 | — | 1.6% | |
| 11 | Evergreen Business CapitalSeattle, WA · CDC | 1 | — | 1.6% | |
| 12 | Capital Matrix, Inc.Boise, ID · CDC | 1 | — | 1.6% | |
| 13 | Washington Trust BankSpokane, WA | 1 | — | 1.6% | |
| 14 | BMO Bank National AssociationChicago, IL | 1 | — | 1.6% | |
| 15 | Ameritrust CDCEdmonds, WA · CDC | 1 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Beverage ManufacturingNAICS 3121 | 10 | 15.9% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 11.1% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 4.8% | |
| 4 | Lessors of Real EstateNAICS 5311 | 3 | 4.8% | |
| 5 | Gasoline StationsNAICS 4571 | 3 | 4.8% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 4.8% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 4.8% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 4.8% | |
| 9 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 2 | 3.2% | |
| 10 | Warehousing and StorageNAICS 4931 | 2 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 13 | 20.6% | |
| 2 | Manufacturing | 12 | 19.0% | |
| 3 | Construction | 8 | 12.7% | |
| 4 | Retail Trade | 7 | 11.1% | |
| 5 | Professional, Scientific, and Technical Services | 5 | 7.9% | |
| 6 | Arts, Entertainment, and Recreation | 4 | 6.3% | |
| 7 | Real Estate and Rental and Leasing | 3 | 4.8% | |
| 8 | Transportation and Warehousing | 2 | 3.2% |
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 | $6.8M | $495K | 0 | — | 9 | 198 |
| FY2025 | 16 | $5.6M | $138K | 0 | — | 16 | 130 |
| FY2024 | 10 | $4.0M | $164K | 1 | — | 11 | 88 |
| FY2023 | 10 | $6.0M | $179K | 5 | $3.3M | 15 | 85 |
| FY2022 | 9 | $4.0M | $50K | 2 | — | 11 | 125 |
| FY2021 | 9 | $7.3M | $350K | 1 | — | 10 | 138 |
| FY2020 | 6 | $1.5M | $203K | 0 | — | 6 | 31 |
| FY2019 | 8 | $1.6M | $134K | 2 | — | 10 | 104 |
| FY2018 | 9 | $3.2M | $78K | 1 | — | 10 | 82 |
| FY2017 | 10 | $1.5M | $150K | 2 | — | 12 | 93 |
| FY2016 | 14 | $3.7M | $105K | 0 | — | 14 | 65 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 52 approvals.
Against Washington and the country
| FY2021–FY2025 | Walla Walla County | Washington | United States |
|---|---|---|---|
| Approvals | 63 | 8,905 | 342,825 |
| Approvals per 1,000 establishments | 42.3 | 44.0 | 41.0 |
| Median 7(a) approval | $150K | $200K | $190K |
| Median 504 approval | $584K | $699K | $657K |
| Average approval | $538K | $627K | $573K |
| 504 share of approvals | 14.3% | 7.8% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 9.2 | 10.5 |
| Share of state approvals | 0.7% | 100.0% | — |
Approval sizes
- $50,000 or less28.6%18
- $50,001 to $150,00020.6%13
- $150,001 to $350,00017.5%11
- $350,001 to $1 million14.3%9
- $1 million to $2 million12.7%8
- Over $2 million6.3%4
Age of the businesses
- Existing, more than 2 years old61.9%39
- New business, 2 years or less12.7%8
- Startup, loan funds will open the business14.3%9
- Change of ownership11.1%7
Questions and answers
Which lenders make the most SBA loans in Walla Walla County?
By approvals in FY2021 to FY2025: Banner Bank (19), Columbia Bank (7), Northwest Business Development Association (6), Readycap Lending, LLC (3), Live Oak Banking Company (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Walla Walla County?
The median 7(a) approval was $150K and the median 504 approval $584K; the Washington 7(a) median was $200K.
Which industries get the most SBA loans in Walla Walla County?
Beverage Manufacturing (10); Restaurants and Other Eating Places (7); Traveler Accommodation (3); Lessors of Real Estate (3); Gasoline Stations (3).
Is SBA lending in Walla Walla County rising?
Approvals in the three latest complete fiscal years total 42, against 27 in the three before: rising (+56%).
How does Walla Walla County compare with the rest of Washington?
42.3 approvals per 1,000 establishments against 44.0 statewide, and 63 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