Where SBA Loans Concentrate: Industry Patterns in 92,214 Lender Records

Findings

NAICS 425120 tops SBA lending at 609 loans totaling $355.5M

PlainBizBench's sba_industry table records NAICS 425120 with 609 SBA loans totaling $355,534,400 across 7(a) and 504 programs. This 6-digit NAICS code tracks Business to Business Electronic Markets activity, where average loan amounts reach $583,800. Loans in NAICS 425120 support 3,584 jobs according to the table's jobs_supported column. US Small Business Administration — 7(a) and 504 Loan Program Data (Fiscal-to-FY2026) Wholesale Trade sector benchmarks tie these volumes to NAICS-level patterns.

The sba_industry table's loans_7a column counts 545 loans for NAICS 425120, representing the 7(a) program share out of 609 total loans. Amount_7a and amount_504 columns separate dollar volumes by program, distinguishing working-capital loans from fixed-asset financing. NAICS 425120 data spans six fiscal years from 2020 through 2026 in PlainBizBench. US Small Business Administration — 7(a) and 504 Loan Program Data (Fiscal-to-FY2026) Developers join sba_industry to NAICS codes for Wholesale Trade rankings.

Northeast Bank leads lenders in NAICS 425120 with 44 loans, capturing 14.6% of the 609 total loans in sba_industry. PlainBizBench ingests 92,214 SBA lender-level records overall, linked by NAICS industry code to enable top-lender views per 6-digit code. Charge-off rates for NAICS 425120 register 1.81% in the table. NAICS 425120 industry benchmarks page displays these lender splits.

Pct_new_business column in sba_industry measures new business loans under 2 years old for NAICS 425120, alongside 3,584 jobs supported. The table's structure supports queries on 609 loans by fiscal year from 2020 to 2026. All NAICS industries list confirms NAICS 425120 volume leadership at $355,534,400. US Census Bureau — County Business Patterns 2023

Average loan size varies 2x: $348,912 in NAICS 454310 vs $583,800 in NAICS 425120

NAICS 454310 in sba_industry records 121 SBA loans totaling $42,218,400, with average loan amounts at $348,912 versus $583,800 in NAICS 425120. Fuel Dealers activity under this Retail Trade subsector supports 1,025 jobs per the table's jobs_supported column. Loans_7a and loans_504 columns split the 121 loans by program for NAICS 454310. Retail Trade sector aggregates include these figures.

Charge-off rates drop to 0.00% for NAICS 454310, compared to 1.81% in NAICS 425120 within sba_industry. Total volumes differ at $42,218,400 for 121 loans versus $355,534,400 for 609 loans across the two NAICS codes. Amount_7a tracks 7(a) dollars specifically for NAICS 454310 patterns. Six fiscal years from 2020 through 2026 cover both NAICS entries.

Average sizes highlight contrasts: $348,912 per loan in NAICS 454310 against $583,800 in NAICS 425120, with 1,025 jobs versus 3,584 jobs supported. Pct_new_business column applies to NAICS 454310 for startup fractions among 121 loans. PlainBizBench's 92,214 lender-level records feed these 6-digit NAICS aggregates. US Census Bureau — County Business Patterns 2023 NAICS 454310 industry benchmarks detail the table rows.

Sba_industry enables direct NAICS 454310 versus 425120 views on loans_504 and amount_504 for fixed-asset shares. The 0.00% charge-off rate pairs with $42,218,400 totals in Retail Trade. Fiscal year coverage matches at 2020-2026 for both codes.

Top lenders concentrate by industry: Northeast Bank 44 loans, Leader Bank 30 loans

Northeast Bank holds 44 loans in NAICS 425120, or 14.6% of the sba_industry table's 609 loans for that code. Leader Bank, National Association records 30 loans in NAICS 454310, equaling 12.4% of 121 loans. These top-lender shares emerge from 92,214 SBA lender-level records linked to NAICS. Lender patterns vary by 6-digit code.

Sba_industry aggregates lender-level data into NAICS 425120 totals of $355,534,400, where Northeast Bank's 44 loans lead. For NAICS 454310, Leader Bank's 30 loans top $42,218,400 volumes. Loans_7a column shows 545 loans under 7(a) for NAICS 425120 alone. All NAICS industries expose similar concentrations.

Charge-off rates tie to lender activity: 1.81% for NAICS 425120 with Northeast Bank dominance, 0.00% for NAICS 454310 under Leader Bank. Pct_new_business tracks startup loans amid top-lender volumes like 44 and 30 loans. Six fiscal years 2020-2026 inform these shares in sba_industry.

92,214 records power top-lender rankings per NAICS, with 14.6% and 12.4% shares for the leading banks. Amount_7a and amount_504 columns segment by program within lender aggregates. Jobs_supported reaches 3,584 for NAICS 425120 and 1,025 for NAICS 454310.

NAICS 425120 drives SBA volume at 609 loans and $355.5M in sba_industry, dwarfing NAICS 454310's 121 loans at lower $348,912 averages and zero charge-offs. Lender concentrations hover at 14.6% for Northeast Bank and 12.4% for Leader Bank, with table columns like loans_7a (545 loans), amount_504, and pct_new_business enabling 7(a) versus 504 breakdowns across 92,214 records from 2020-2026. Wholesale Trade and Retail Trade sectors integrate these SBA metrics with Census CBP benchmarks for jobs and performance signals.

Cross-source small-business credit notes

Small Business Administration (SBA) Section 7(a) general business loans, 504 fixed-asset loans, and Express Loan program records form the primary SBA-direct lending dataset published through the SBA Freedom of Information Act (FOIA) library. Federal Reserve Senior Loan Officer Opinion Survey (SLOOS) tracks net percentages of banks tightening or easing standards on small-business commercial-and-industrial (C&I) loans on a quarterly basis. Federal Deposit Insurance Corporation (FDIC) Call Report Schedule RC-C Memorandum item 1 reports loans secured by nonfarm nonresidential properties under $1 million as a small-business proxy; FDIC Annual Survey of Small Business Lending publishes geographic and industry-level aggregates. Community Development Financial Institutions (CDFI) Fund Annual Certification Report and CDFI Transaction Level Report capture mission-driven small-business lending through certified Community Development Loan Funds, Community Development Banks, Community Development Credit Unions, and Community Development Venture Capital Funds. The Federal Reserve Banks Small Business Credit Survey publishes annual industry-level credit-application, approval, and discouragement rates from a non-probability sample of approximately 11,000 small-employer firms. Treasury State Small Business Credit Initiative (SSBCI) 2.0 allocates $10 billion across state programs supporting Capital Access, Loan Participation, Loan Guarantee, Collateral Support, and Venture Capital activity. Comparing 92,214 SBA records to 28 million establishments in Census BDS requires acknowledging that SBA-guaranteed loans cover only the subset of small-business credit that meets SBA size standards (industry-specific revenue or employment thresholds) and that participates in the SBA-guarantee program rather than conventional bank lending or alternative finance.

Small-business finance reference notes

Small-business credit vocabulary for industry concentration analysis: SBA 7(a) loan program (Section 7(a) of the Small Business Act, 15 U.S.C. § 636(a)) provides federal guarantees up to 85% on loans up to $150,000 and 75% on larger loans up to $5 million for working capital, equipment, and real estate. SBA 504 Certified Development Company (CDC) loans pair a bank-funded first-mortgage (50% of project cost) with a CDC-funded second mortgage (40%, 100% SBA-guaranteed) backed by Treasury-funded long-term debentures for fixed-asset acquisition. SBA Express Loan program offers expedited 50%-guarantee underwriting up to $500,000 with 36-hour application turnaround. SBA Microloan Program partners with intermediary lenders for loans up to $50,000. SBA Disaster Loan Program issues direct low-interest loans to declared-disaster-area businesses. SBA size standards by NAICS code define small-business eligibility through 1,000+ industry-specific thresholds (employment-based for manufacturing/wholesale, revenue-based for service industries). The Code of Federal Regulations Title 13 Part 121 enumerates current size standards. The Small Business Investment Company (SBIC) program licenses privately-managed venture funds to deploy SBA-guaranteed leverage at 2:1 ratios for equity and debt investments in small businesses. The HUBZone (Historically Underutilized Business Zone) program reserves federal-procurement contracts for certified small firms in designated geographic areas. The 8(a) Business Development Program provides set-aside contracting opportunities for socially and economically disadvantaged small businesses. Service-Disabled Veteran-Owned Small Business (SDVOSB), Veteran-Owned Small Business (VOSB), and Women-Owned Small Business (WOSB) certifications create additional contracting set-asides. The Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs fund federal-agency-aligned R&D through Phase I (feasibility), Phase II (prototype), and Phase III (commercialization) grants. Lender-side ratios — Community Reinvestment Act (CRA) compliance assessment area performance, Bank Holding Company Act small-business loan reporting, FDIC Loan Performance Report charge-off rates — measure aggregate small-business credit health by lender size and geography. The Equal Credit Opportunity Act (ECOA) Regulation B Section 1071 small-business lending data collection rule (CFPB final rule effective 2024) requires covered lenders to report credit-application demographic data analogous to Home Mortgage Disclosure Act (HMDA) requirements. Read our methodology page for source-reconciliation rules.

Banking-regulatory and capital-formation reference notes

Banking framework governing small-business lending: Federal Reserve Regulation H, Regulation O, and Regulation Y govern member-bank operations and bank-holding-company permissible activities. Office of the Comptroller of the Currency (OCC) supervises national banks; FDIC supervises state-chartered nonmember banks; Federal Reserve supervises state-chartered member banks and bank holding companies. National Credit Union Administration (NCUA) supervises federally-chartered credit unions; state regulators supervise state-chartered credit unions. Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 created the Consumer Financial Protection Bureau (CFPB), reorganized regulatory authority across primary federal regulators, and established stress-testing requirements under the Comprehensive Capital Analysis and Review (CCAR) and Dodd-Frank Annual Stress Test (DFAST) frameworks. Basel III capital rules apply standardized and advanced-approaches risk-weighting to credit exposures including small-business loans (typically 100% standardized risk weight versus 75% for qualifying retail exposures under Basel II). Community Reinvestment Act (CRA) of 1977 evaluates bank performance in meeting credit needs of low-and-moderate-income (LMI) communities through Lending, Investment, and Service tests; the 2023 CRA modernization rule expands assessment areas to include digital-deposit jurisdictions. Equal Credit Opportunity Act (ECOA) Regulation B Section 1071 small-business lending data collection requires covered lenders to report 81 data points per credit application including applicant demographics, principal-owner race/ethnicity/sex, gross annual revenue, and credit decision. Regulation 1071 phased compliance dates depend on lender size: tier-1 (highest-volume) lenders begin reporting October 2024, tier-3 (smallest covered lenders) begin January 2026. Truth in Lending Act (TILA) and Regulation Z disclosure requirements apply to consumer-purpose credit but generally exempt commercial credit. Uniform Commercial Code (UCC) Article 9 governs secured-transaction perfection through UCC-1 financing-statement filings at the state secretary-of-state office. Bankruptcy Code Chapter 7 (liquidation), Chapter 11 (reorganization including Subchapter V small-business reorganization), and Chapter 13 (individual debt-adjustment) provide debtor-protection and creditor-recovery frameworks. Securities Act of 1933 Regulation D Rule 506(b)/(c) and Regulation Crowdfunding (Reg CF) under the JOBS Act of 2012 provide securities-registration exemptions for small-business equity capital formation. Regulation A+ Tier 1 (up to $20M) and Tier 2 (up to $75M) offerings allow mini-public offerings without full S-1 registration. Methodology page reconciles SBA-direct lending data against broader Federal Reserve aggregate small-business credit benchmarks.