SBA by industry · WV
SBA lenders for retail stores in West Virginia
15 lenders made 38 SBA loans to retail stores in West Virginia in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 18. The typical loan was about $100K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in West Virginia, 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
- 15
- SBA FOIA,
- SBA loans, 36 months
- 38
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $10.8M
- SBA FOIA,
- Last 12 months
- 9
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in West Virginia, https://lender.report/sba-lenders-for/retail/west-virginia/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 18 | $3.46M | 18 | 0 | 4 |
| Woodlands Community Lenders, Inc. SBA 7(a) record | Non-bank | Elkins, WV | 5 | $325K | 5 | 0 | 1 |
| First Community Bank SBA 7(a) record | Bank | Bluefield, VA | 3 | $341K | 3 | 0 | 0 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 2 | $510K | 2 | 0 | 1 |
| Citizens Bank of West Virginia, Inc. SBA 7(a) record | Bank | Elkins, WV | 2 | $400K | 2 | 0 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 1 | $5.00M | 1 | 0 | 0 |
| Community Trust Bank, Inc. SBA 7(a) record | Bank | Pikeville, KY | 1 | $280K | 1 | 0 | 1 |
| The Citizens Bank of Weston SBA 7(a) record | Bank | Weston, WV | 1 | $150K | 1 | 0 | 0 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 1 | $100K | 1 | 0 | 0 |
| Manufacturers and Traders Trust Company SBA 7(a) record | Bank | Buffalo, NY | 1 | $90.0K | 1 | 0 | 1 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 1 | $85.0K | 1 | 0 | 0 |
| CDC Small Business Finance Corp. SBA 7(a) record | Non-bank | San Diego, CA | 1 | $81.0K | 1 | 0 | 0 |
| Clear Mountain Bank SBA 7(a) record | Bank | Bruceton Mills, WV | 1 | $80.0K | 1 | 0 | 0 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 1 | $50.0K | 1 | 0 | 0 |
| U.S. Bank National Association SBA 7(a) record | Bank | Cincinnati, OH | 1 | $20.0K | 1 | 0 | 0 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Clothing and Clothing Accessories Retailers | 4 |
| All Other Miscellaneous Retailers | 3 |
| Hardware Retailers | 3 |
| All Other General Merchandise Retailers | 2 |
| All Other Health and Personal Care Retailers | 2 |
| Florists | 2 |
| Hobby, Toy, and Game Retailers | 2 |
| Meat Retailers | 2 |
| Other Building Material Dealers | 2 |
| Recreational Vehicle Dealers | 2 |
| Loan size | Loans |
|---|---|
| Under $150K | 26 |
| $150K to $350K | 9 |
| $350K to $1M | 4 |
| $1M to $2.5M | 0 |
| $2.5M or more | 1 |
- SBA lenders recorded 38 loans to retail stores totaling $10.8M in West Virginia 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 $220K. SBA FOIA,
- 40 were SBA 7(a) loans and 0 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 9.75% on 40 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 32 of the loans, credit unions 0, and non-banks 8. SBA FOIA,
- The five most active lenders made 78.9% of the loans. SBA FOIA,
- The three most active lenders were The Huntington National Bank with 18, Woodlands Community Lenders, Inc. with 5, and First Community Bank with 3. SBA FOIA,
- 26 of the loans were under $150K, and 1 were $1M or more. SBA FOIA,
- The SBA file shows 9 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,
- 4 of the 15 lenders are based in West Virginia. The rest are based elsewhere, most often in Florida, Ohio and California. SBA FOIA,
- The most common detailed industry in West Virginia was Clothing and Clothing Accessories Retailers, with 4 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in West Virginia
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in West Virginia, 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.