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County19th of 71 in Wisconsin by approvalsFIPS 55105
SBA loans in Rock County, Wisconsin
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 94 loans to businesses in Rock County, Wisconsin, in FY2021 to FY2025, worth $67.9M: 74 under 7(a) and 20 under 504.
That is 28.0 approvals per 1,000 business establishments (3,362 establishments in 2023), below the Wisconsin figure of 46.3 and below the national 41.0.
It ranks 19th of 71 Wisconsin counties with approvals. In FY2025 there were 21, down 19% on FY2024.
36 lenders had approvals here; the most active were WBD, Inc. (13), U.S. Bank, National Association (7) and Readycap Lending, LLC (7). 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 Rock County
By number of approvals to businesses in the county, FY2021–FY2025; 36 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | WBD, Inc.Madison, WI · CDC | 13 | $14.0M | 13.8% | |
| 2 | U.S. Bank, National AssociationCincinnati, OH | 7 | $2.7M | 7.4% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $606K | 7.4% | |
| 4 | Byline BankChicago, IL | 6 | $8.4M | 6.4% | |
| 5 | Racine County Economic Development CorporationSturtevant, WI · CDC | 5 | $3.5M | 5.3% | |
| 6 | The Huntington National BankColumbus, OH | 5 | $2.0M | 5.3% | |
| 7 | Wisconsin Women's Business Initiative CorporationMilwaukee, WI | 5 | $645K | 5.3% | |
| 8 | Old National BankEvansville, IN | 4 | $6.4M | 4.3% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 4 | $1.8M | 4.3% | |
| 10 | Celtic Bank CorporationSalt Lake City, UT | 3 | $2.0M | 3.2% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 3 | $1.2M | 3.2% | |
| 12 | Town Bank, National AssociationHartland, WI | 3 | $879K | 3.2% | |
| 13 | First Internet Bank of IndianaFishers, IN | 2 | — | 2.1% | |
| 14 | Bank Five NineOconomowoc, WI | 2 | — | 2.1% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 6 | 6.4% | |
| 2 | Drinking Places (Alcoholic Beverages)NAICS 7224 | 6 | 6.4% | |
| 3 | Converted Paper Product ManufacturingNAICS 3222 | 5 | 5.3% | |
| 4 | Plastics Product ManufacturingNAICS 3261 | 4 | 4.3% | |
| 5 | Traveler AccommodationNAICS 7211 | 3 | 3.2% | |
| 6 | Building Material and Supplies DealersNAICS 4441 | 3 | 3.2% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 3 | 3.2% | |
| 8 | Other Miscellaneous ManufacturingNAICS 3399 | 2 | 2.1% | |
| 9 | Offices of PhysiciansNAICS 6211 | 2 | 2.1% | |
| 10 | Gasoline StationsNAICS 4471 | 2 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 20 | 21.3% | |
| 2 | Manufacturing | 19 | 20.2% | |
| 3 | Accommodation and Food Services | 16 | 17.0% | |
| 4 | Health Care and Social Assistance | 10 | 10.6% | |
| 5 | Construction | 7 | 7.4% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 5 | 5.3% | |
| 7 | Other Services (except Public Administration) | 4 | 4.3% | |
| 8 | Professional, Scientific, and Technical Services | 4 | 4.3% |
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 | $5.6M | $850K | 3 | $1.5M | 8 | 85 |
| FY2025 | 18 | $7.7M | $282K | 3 | $4.2M | 21 | 153 |
| FY2024 | 23 | $5.0M | $100K | 3 | $1.7M | 26 | 112 |
| FY2023 | 13 | $13.0M | $690K | 4 | $6.1M | 17 | 340 |
| FY2022 | 12 | $15.6M | $1.2M | 3 | $6.2M | 15 | 227 |
| FY2021 | 8 | $4.4M | $448K | 7 | $4.0M | 15 | 100 |
| FY2020 | 13 | $9.2M | $350K | 3 | $1.5M | 16 | 116 |
| FY2019 | 11 | $4.0M | $30K | 4 | $2.6M | 15 | 102 |
| FY2018 | 18 | $10.3M | $62K | 3 | $914K | 21 | 226 |
| FY2017 | 9 | $10.1M | $454K | 1 | — | 10 | 68 |
| FY2016 | 12 | $2.9M | $150K | 0 | — | 12 | 106 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 74 approvals.
Against Wisconsin and the country
| FY2021–FY2025 | Rock County | Wisconsin | United States |
|---|---|---|---|
| Approvals | 94 | 6,706 | 342,825 |
| Approvals per 1,000 establishments | 28.0 | 46.3 | 41.0 |
| Median 7(a) approval | $345K | $225K | $190K |
| Median 504 approval | $643K | $616K | $657K |
| Average approval | $722K | $594K | $573K |
| 504 share of approvals | 21.3% | 18.4% | 11.0% |
| Jobs supported per approval, as reported | 9.9 | 11.0 | 10.5 |
| Share of state approvals | 1.4% | 100.0% | — |
Approval sizes
- $50,000 or less12.8%12
- $50,001 to $150,00017.0%16
- $150,001 to $350,00017.0%16
- $350,001 to $1 million30.9%29
- $1 million to $2 million14.9%14
- Over $2 million7.4%7
Age of the businesses
- Existing, more than 2 years old54.3%51
- New business, 2 years or less12.8%12
- Startup, loan funds will open the business13.8%13
- Change of ownership19.1%18
Questions and answers
Which lenders make the most SBA loans in Rock County?
By approvals in FY2021 to FY2025: WBD, Inc. (13), U.S. Bank, National Association (7), Readycap Lending, LLC (7), Byline Bank (6), Racine County Economic Development Corporation (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Rock County?
The median 7(a) approval was $345K and the median 504 approval $643K; the Wisconsin 7(a) median was $225K.
Which industries get the most SBA loans in Rock County?
Restaurants and Other Eating Places (6); Drinking Places (Alcoholic Beverages) (6); Converted Paper Product Manufacturing (5); Plastics Product Manufacturing (4); Traveler Accommodation (3).
Is SBA lending in Rock County rising?
Approvals in the three latest complete fiscal years total 64, against 46 in the three before: rising (+39%).
How does Rock County compare with the rest of Wisconsin?
28.0 approvals per 1,000 establishments against 46.3 statewide, and 94 of the state's 6,706 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