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SBA loans in Laramie County, Wyoming
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 126 loans to businesses in Laramie County, Wyoming, in FY2021 to FY2025, worth $64.0M: 115 under 7(a) and 11 under 504.
That is 34.8 approvals per 1,000 business establishments (3,625 establishments in 2023), above the Wyoming figure of 26.6 and below the national 41.0.
It ranks 1st of 22 Wyoming counties with approvals. In FY2025 there were 39, up 105% on FY2024.
42 lenders had approvals here; the most active were Platte Valley Bank (30), Northeast Bank (11) and Wyoming Capital Access (10). 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 Laramie County
By number of approvals to businesses in the county, FY2021–FY2025; 42 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Platte Valley BankTorrington, WY | 30 | $3.3M | 23.8% | |
| 2 | Northeast BankLewiston, ME | 11 | $1.4M | 8.7% | |
| 3 | Wyoming Capital AccessCasper, WY · CDC | 10 | $4.3M | 7.9% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 6 | $2.0M | 4.8% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 5 | $10.2M | 4.0% | |
| 6 | First National Bank of OmahaOmaha, NE | 5 | $1.2M | 4.0% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 5 | $418K | 4.0% | |
| 8 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $63K | 4.0% | |
| 9 | Riverstone BankEagle, NE | 4 | $2.4M | 3.2% | |
| 10 | Jonah Bank of WyomingCasper, WY | 4 | $344K | 3.2% | |
| 11 | Commonwealth Business BankLos Angeles, CA | 3 | $7.0M | 2.4% | |
| 12 | US Metro BankGarden Grove, CA | 2 | — | 1.6% | |
| 13 | FFB BankFresno, CA | 2 | — | 1.6% | |
| 14 | CIBC Bank USAChicago, IL | 2 | — | 1.6% | |
| 15 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 10.3% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 9 | 7.1% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 8 | 6.3% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 8 | 6.3% | |
| 5 | Traveler AccommodationNAICS 7211 | 7 | 5.6% | |
| 6 | Computer Systems Design and Related ServicesNAICS 5415 | 4 | 3.2% | |
| 7 | General Freight TruckingNAICS 4841 | 4 | 3.2% | |
| 8 | Building Equipment ContractorsNAICS 2382 | 3 | 2.4% | |
| 9 | Offices of Other Health PractitionersNAICS 6213 | 3 | 2.4% | |
| 10 | Individual and Family ServicesNAICS 6241 | 3 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 21 | 16.7% | |
| 2 | Professional, Scientific, and Technical Services | 20 | 15.9% | |
| 3 | Other Services (except Public Administration) | 16 | 12.7% | |
| 4 | Retail Trade | 14 | 11.1% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 13 | 10.3% | |
| 6 | Health Care and Social Assistance | 9 | 7.1% | |
| 7 | Construction | 9 | 7.1% | |
| 8 | Manufacturing | 6 | 4.8% |
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 | $9.1M | $173K | 1 | — | 14 | 125 |
| FY2025 | 38 | $23.7M | $150K | 1 | — | 39 | 346 |
| FY2024 | 19 | $11.6M | $250K | 0 | — | 19 | 211 |
| FY2023 | 13 | $5.5M | $150K | 1 | — | 14 | 131 |
| FY2022 | 23 | $7.7M | $91K | 2 | — | 25 | 363 |
| FY2021 | 22 | $10.6M | $100K | 7 | $3.4M | 29 | 245 |
| FY2020 | 14 | $10.7M | $222K | 2 | — | 16 | 91 |
| FY2019 | 29 | $17.9M | $260K | 2 | — | 31 | 389 |
| FY2018 | 14 | $3.9M | $158K | 1 | — | 15 | 94 |
| FY2017 | 23 | $4.5M | $128K | 3 | $1.2M | 26 | 247 |
| FY2016 | 25 | $4.7M | $70K | 1 | — | 26 | 153 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 114 approvals.
Against Wyoming and the country
| FY2021–FY2025 | Laramie County | Wyoming | United States |
|---|---|---|---|
| Approvals | 126 | 635 | 342,825 |
| Approvals per 1,000 establishments | 34.8 | 26.6 | 41.0 |
| Median 7(a) approval | $150K | $177K | $190K |
| Median 504 approval | $306K | $415K | $657K |
| Average approval | $508K | $576K | $573K |
| 504 share of approvals | 8.7% | 18.1% | 11.0% |
| Jobs supported per approval, as reported | 10.3 | 9.4 | 10.5 |
| Share of state approvals | 19.8% | 100.0% | — |
Approval sizes
- $50,000 or less25.4%32
- $50,001 to $150,00027.8%35
- $150,001 to $350,00012.7%16
- $350,001 to $1 million19.0%24
- $1 million to $2 million10.3%13
- Over $2 million4.8%6
Age of the businesses
- Existing, more than 2 years old53.2%67
- New business, 2 years or less22.2%28
- Startup, loan funds will open the business20.6%26
- Change of ownership4.0%5
Questions and answers
Which lenders make the most SBA loans in Laramie County?
By approvals in FY2021 to FY2025: Platte Valley Bank (30), Northeast Bank (11), Wyoming Capital Access (10), Newtek Bank, National Association (6), Live Oak Banking Company (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Laramie County?
The median 7(a) approval was $150K and the median 504 approval $306K; the Wyoming 7(a) median was $177K.
Which industries get the most SBA loans in Laramie County?
Restaurants and Other Eating Places (13); Services to Buildings and Dwellings (9); Automotive Repair and Maintenance (8); Management, Scientific, and Technical Consulting Services (8); Traveler Accommodation (7).
Is SBA lending in Laramie County rising?
Approvals in the three latest complete fiscal years total 72, against 70 in the three before: broadly level (+3%).
How does Laramie County compare with the rest of Wyoming?
34.8 approvals per 1,000 establishments against 26.6 statewide, and 126 of the state's 635 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