SBA by industry · UT
SBA lenders for retail stores in Utah
61 lenders made 360 SBA loans to retail stores in Utah in the 36 months ending September 30, 2026. Zions Bancorporation, N.A. made the most, with 70. The typical loan was about $200K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in Utah, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 61
- SBA FOIA,
- SBA loans, 36 months
- 360
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $177M
- SBA FOIA,
- Last 12 months
- 124
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in Utah, https://lender.report/sba-lenders-for/retail/utah/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Zions Bancorporation, N.A. SBA 7(a) record | Bank | Salt Lake City, UT | 70 | $8.59M | 69 | 1 | 20 |
| Mountain America Credit Union SBA 7(a) record | Credit union | Sandy, UT | 52 | $29.3M | 46 | 6 | 17 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 22 | $11.6M | 21 | 1 | 10 |
| Canyon View Credit Union SBA 7(a) record | Credit union | Salt Lake City, UT | 17 | $5.22M | 14 | 3 | 5 |
| Central Bank SBA 7(a) record | Bank | Provo, UT | 15 | $4.27M | 15 | 0 | 5 |
| NBH Bank SBA 7(a) record | Bank | Greenwood Village, CO | 12 | $12.3M | 9 | 3 | 2 |
| Cache Valley Bank SBA 7(a) record | Bank | Logan, UT | 12 | $9.60M | 6 | 6 | 2 |
| America First Credit Union SBA 7(a) record | Credit union | Riverdale, UT | 10 | $8.22M | 4 | 6 | 3 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 10 | $6.81M | 10 | 0 | 4 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 10 | $5.97M | 10 | 0 | 4 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 10 | $1.95M | 10 | 0 | 3 |
| State Bank of Southern Utah SBA 7(a) record | Bank | Cedar City, UT | 9 | $2.02M | 7 | 2 | 2 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 8 | $1.27M | 8 | 0 | 4 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 7 | $4.84M | 5 | 2 | 1 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 7 | $2.81M | 6 | 1 | 0 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 7 | $874K | 7 | 0 | 3 |
| Glacier Bank SBA 504 record | Bank | Kalispell, MT | 5 | $3.72M | 0 | 5 | 0 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 5 | $2.32M | 5 | 0 | 1 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 5 | $1.78M | 5 | 0 | 1 |
| First Utah Bank SBA 7(a) record | Bank | Salt Lake City, UT | 4 | $2.98M | 4 | 0 | 3 |
| Northwest Bank SBA 7(a) record | Bank | Boise, ID | 4 | $2.34M | 4 | 0 | 3 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 4 | $990K | 4 | 0 | 1 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 4 | $509K | 4 | 0 | 0 |
| Bank of Utah SBA 7(a) record | Bank | Ogden, UT | 3 | $5.07M | 1 | 2 | 0 |
| Quill Bank SBA 7(a) record | Bank | Provo, UT | 3 | $1.35M | 3 | 0 | 3 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Used Car Dealers | 33 |
| Clothing and Clothing Accessories Retailers | 29 |
| Sporting Goods Retailers | 26 |
| Automotive Parts and Accessories Retailers | 19 |
| All Other General Merchandise Retailers | 18 |
| Food (Health) Supplement Retailers | 17 |
| All Other Miscellaneous Retailers | 15 |
| All Other Specialty Food Retailers | 15 |
| Vending Machine Operators | 12 |
| Hobby, Toy, and Game Retailers | 11 |
| Loan size | Loans |
|---|---|
| Under $150K | 146 |
| $150K to $350K | 74 |
| $350K to $1M | 94 |
| $1M to $2.5M | 35 |
| $2.5M or more | 14 |
- SBA lenders recorded 360 loans to retail stores totaling $177M in Utah in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $200K, with the middle half between $77K and $550K. SBA FOIA,
- 312 were SBA 7(a) loans and 51 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.00% on 312 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 259 of the loans, credit unions 86, and non-banks 16. SBA FOIA,
- The five most active lenders made 48.9% of the loans. SBA FOIA,
- The three most active lenders were Zions Bancorporation, N.A. with 70, Mountain America Credit Union with 52, and U.S. Bank National Association with 22. SBA FOIA,
- 146 of the loans were under $150K, and 49 were $1M or more. SBA FOIA,
- The SBA file shows 124 approvals of these loans dated in the 12 months to September 30, 2026, versus 159 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 19 of the 61 lenders are based in Utah. The rest are based elsewhere, most often in Ohio, Florida and Illinois. SBA FOIA,
- The most common detailed industry in Utah was Used Car Dealers, with 33 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in Utah
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Utah, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 44 and 45, excluding gas, convenience and pharmacy.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.