SBA by industry · VT
SBA lenders for retail stores in Vermont
19 lenders made 51 SBA loans to retail stores in Vermont in the 36 months ending September 30, 2026. Manufacturers and Traders Trust Company made the most, with 11. The typical loan was about $100K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in Vermont, 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
- 19
- SBA FOIA,
- SBA loans, 36 months
- 51
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $20.3M
- SBA FOIA,
- Last 12 months
- 12
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in Vermont, https://lender.report/sba-lenders-for/retail/vermont/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Manufacturers and Traders Trust Company SBA 7(a) record | Bank | Buffalo, NY | 11 | $700K | 11 | 0 | 6 |
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 10 | $4.07M | 10 | 0 | 1 |
| Community National Bank SBA 7(a) record | Bank | Derby, VT | 8 | $500K | 8 | 0 | 1 |
| Bar Harbor Bank & Trust SBA 7(a) record | Bank | Bar Harbor, ME | 4 | $727K | 3 | 1 | 0 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 3 | $3.15M | 3 | 0 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 3 | $2.65M | 3 | 0 | 0 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 2 | $580K | 2 | 0 | 0 |
| KeyBank National Association SBA 7(a) record | Bank | Cleveland, OH | 2 | $410K | 2 | 0 | 0 |
| National Cooperative Bank, N.A. | Bank | Hillsboro, OH | 1 | $3.10M | 1 | 0 | 0 |
| VelocitySBA, LLC SBA 7(a) record | Non-bank | Irving, TX | 1 | $1.80M | 1 | 0 | 1 |
| Everwise Credit Union SBA 7(a) record | Credit union | South Bend, IN | 1 | $1.10M | 1 | 0 | 1 |
| Beacon Bank and Trust SBA 7(a) record | Bank | Boston, MA | 1 | $830K | 1 | 0 | 0 |
| NBT Bank, National Association SBA 7(a) record | Bank | Norwich, NY | 1 | $680K | 1 | 0 | 0 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 1 | $440K | 1 | 0 | 0 |
| Green Mountain Credit Union | Credit union | South Burlington, VT | 1 | $350K | 1 | 0 | 1 |
| Vermont Community Loan Fund, Inc. SBA 7(a) record | Non-bank | Montpelier, VT | 1 | $150K | 1 | 0 | 0 |
| Ledyard National Bank SBA 504 record | Bank | Norwich, VT | 1 | $110K | 0 | 1 | 0 |
| Heritage Family Credit Union SBA 7(a) record | Credit union | Rutland, VT | 1 | $75.0K | 1 | 0 | 1 |
| Vermont Credit Union SBA 7(a) record | Credit union | So Burlington, VT | 1 | $40.0K | 1 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Sporting Goods Retailers | 7 |
| Clothing and Clothing Accessories Retailers | 6 |
| Nursery, Garden Center, and Farm Supply Retailers | 5 |
| All Other General Merchandise Retailers | 4 |
| Florists | 3 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 3 |
| All Other Miscellaneous Retailers | 2 |
| All Other Specialty Food Retailers | 2 |
| Furniture Retailers | 2 |
| Gift, Novelty, and Souvenir Retailers | 2 |
| Loan size | Loans |
|---|---|
| Under $150K | 29 |
| $150K to $350K | 10 |
| $350K to $1M | 9 |
| $1M to $2.5M | 3 |
| $2.5M or more | 3 |
- SBA lenders recorded 51 loans to retail stores totaling $20.3M in Vermont in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $100K, with the middle half between $50K and $350K. SBA FOIA,
- 52 were SBA 7(a) loans and 2 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.00% on 52 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 48 of the loans, credit unions 4, and non-banks 2. SBA FOIA,
- The five most active lenders made 70.6% of the loans. SBA FOIA,
- The three most active lenders were Manufacturers and Traders Trust Company with 11, TD Bank, National Association with 10, and Community National Bank with 8. SBA FOIA,
- 29 of the loans were under $150K, and 6 were $1M or more. SBA FOIA,
- The SBA file shows 12 approvals of these loans dated in the 12 months to September 30, 2026, versus 21 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 6 of the 19 lenders are based in Vermont. The rest are based elsewhere, most often in Ohio, New York and Delaware. SBA FOIA,
- The most common detailed industry in Vermont was Sporting Goods Retailers, with 7 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in Vermont
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Vermont, 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.