Industries › Public Administration › Justice, Public Order, and Safety Activities
NAICS 922Subsector0.0% of all approvals
SBA loans for justice, public order, and safety activities
7(a) and 504 approvals to businesses SBA classifies under NAICS 922, with the lenders and states behind them.
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 54 loans to businesses in justice, public order, and safety activities (NAICS 922) in FY2021 to FY2025, worth $22.0M: 51 under 7(a) and 3 under 504.
That is 0.0% of all approvals.
In FY2025 there were 13 approvals, down 35% on FY2024. The median 7(a) approval was $229K, against $190K for all industries.
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 12.5% as charged off, above the 6.6% for all industries.
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.
Volume 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* | 6 | $343K | $60K | 0 | — | 6 | 14 |
| FY2025 | 13 | $3.3M | $165K | 0 | — | 13 | 175 |
| FY2024 | 18 | $5.3M | $257K | 2 | — | 20 | 142 |
| FY2023 | 8 | $6.9M | $200K | 0 | — | 8 | 239 |
| FY2022 | 7 | $1.2M | $150K | 0 | — | 7 | 22 |
| FY2021 | 5 | $3.5M | $500K | 1 | — | 6 | 140 |
| FY2020 | 4 | $1.6M | $382K | 1 | — | 5 | 32 |
| FY2019 | 3 | $1.4M | $58K | 0 | — | 3 | 15 |
| FY2018 | 6 | $326K | $38K | 0 | — | 6 | 44 |
| FY2017 | 6 | $1.5M | $193K | 0 | — | 6 | 21 |
| FY2016 | 3 | $3.0M | $750K | 1 | — | 4 | 62 |
SBA records the NAICS code in force when a loan was approved. The 2022 NAICS revision renumbered parts of retail trade and information, so some lines of business appear under one code before FY2023 and another after. FY2016–FY2020 approvals under this code: 24.
Within this subsector
| NAICS | Industry group | Approvals, FY2021–FY2025 | Share |
|---|---|---|---|
| 9221 | Justice, Public Order, and Safety Activities | 54 | 100.0% |
Lenders most active in this industry
By number of approvals, FY2021–FY2025; 30 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Readycap Lending, LLCBerkeley Heights, NJ | 10 | $1.9M | 18.5% | |
| 2 | TD Bank, National AssociationWilmington, DE | 5 | $674K | 9.3% | |
| 3 | The Huntington National BankColumbus, OH | 4 | $975K | 7.4% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 3 | $770K | 5.6% | |
| 5 | Beacon Bank and TrustBrookline, MA | 2 | — | 3.7% | |
| 6 | Newtek Small Business Finance, Inc.Lake Success, NY | 2 | — | 3.7% | |
| 7 | U.S. Bank, National AssociationCincinnati, OH | 2 | — | 3.7% | |
| 8 | Washington Trust BankSpokane, WA | 2 | — | 3.7% | |
| 9 | Banner BankWalla Walla, WA | 2 | — | 3.7% | |
| 10 | Northwest BankWarren, PA | 2 | — | 3.7% | |
| 11 | Midwest Regional BankFestus, MO | 1 | — | 1.9% | |
| 12 | Business Finance CapitalLos Angeles, CA · CDC | 1 | — | 1.9% | |
| 13 | First Federal BankLake City, FL | 1 | — | 1.9% | |
| 14 | The Bank of EdisonEdison, GA | 1 | — | 1.9% | |
| 15 | Equity BankAndover, KS | 1 | — | 1.9% | |
| 16 | Univest Bank and Trust CoSouderton, PA | 1 | — | 1.9% | |
| 17 | CDC Small Business Finance Corp.San Diego, CA · CDC | 1 | — | 1.9% | |
| 18 | Plumas BankQuincy, CA | 1 | — | 1.9% | |
| 19 | Citizens Bank, National AssociationProvidence, RI | 1 | — | 1.9% | |
| 20 | AMPAC Tri-State CDC, Inc.Ontario, CA | 1 | — | 1.9% |
States
| # | State of the business | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | California | 10 | $3.6M | 18.5% | |
| 2 | New York | 6 | $1.4M | 11.1% | |
| 3 | Pennsylvania | 4 | $2.4M | 7.4% | |
| 4 | New Jersey | 4 | $1.2M | 7.4% | |
| 5 | Texas | 3 | $5.0M | 5.6% | |
| 6 | Florida | 3 | $177K | 5.6% | |
| 7 | Georgia | 2 | — | 3.7% | |
| 8 | Colorado | 2 | — | 3.7% | |
| 9 | Idaho | 2 | — | 3.7% | |
| 10 | Washington | 2 | — | 3.7% | |
| 11 | Arizona | 2 | — | 3.7% | |
| 12 | New Hampshire | 2 | — | 3.7% | |
| 13 | Louisiana | 2 | — | 3.7% | |
| 14 | Illinois | 1 | — | 1.9% | |
| 15 | Nebraska | 1 | — | 1.9% |
Approval sizes
- $50,000 or less14.8%8
- $50,001 to $150,00024.1%13
- $150,001 to $350,00031.5%17
- $350,001 to $1 million20.4%11
- $1 million to $2 million7.4%4
- Over $2 million1.9%1
Age of the businesses
- Existing, more than 2 years old74.1%40
- New business, 2 years or less11.1%6
- Startup, loan funds will open the business11.1%6
- Change of ownership3.7%2
Charge-offs against all industries
| Loans approved FY2010–FY2021 | This industry, 7(a) | All 7(a) | This industry, 504 | All 504 |
|---|---|---|---|---|
| Approvals in these years | 48 | 639,905 | 3 | 85,591 |
| Cancelled or never disbursed | 8 | 79,313 | 0 | 12,514 |
| Disbursed loans | 40 | 560,592 | 3 | 73,077 |
| Paid in full | 28 | 435,813 | 1 | 35,491 |
| Charged off | 5 | 36,891 | 0 | 905 |
| Still outstanding (status exempt from disclosure) | 7 | 87,888 | 2 | 36,681 |
| Charged off, share of disbursed loans | 12.5% | 6.6% | too few loans | 1.2% |
| Dollars charged off, share of disbursed dollars | 2.8% | 2.5% | too few loans | 0.9% |
| Dollars charged off | $249K | $5.70bn | — | $499M |
Against all industries
| FY2021–FY2025 | NAICS 922 | All industries |
|---|---|---|
| Median 7(a) approval | $229K | $190K |
| Median 504 approval | $455K | $657K |
| Average approval | $408K | $573K |
| Approvals per 1,000 establishments | — | 41.0 |
| Approvals to franchise businesses | 0.0% | 11.2% |
| Jobs supported per approval, as reported | 13.3 | 10.5 |
Questions and answers
Which lenders make the most SBA loans for justice, public order, and safety activities?
By approvals in FY2021 to FY2025: Readycap Lending, LLC (10), TD Bank, National Association (5), The Huntington National Bank (4), Newtek Bank, National Association (3), Beacon Bank and Trust (2). 30 lenders had at least one.
How large are typical SBA loans for justice, public order, and safety activities?
The median 7(a) approval was $229K and the median 504 approval $455K; the average across both programs was $408K.
What share of SBA loans for justice, public order, and safety activities are charged off?
Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 12.5% are recorded as charged off, against 6.6% for all industries.
Which states have the most SBA loans for justice, public order, and safety activities?
California (10), New York (6), Pennsylvania (4), New Jersey (4), Texas (3).
Is SBA lending for justice, public order, and safety activities rising?
Approvals in the three latest complete fiscal years total 41, against 18 in the three before: rising (+128%).
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