SBA lending by metro area
SBA lenders in Battle Creek, MI
Which lenders fund Battle Creek-area businesses, how much, and how the market compares with Michigan: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Battle Creek area
Ranked by SBA volume funded to businesses located in the Battle Creek metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Kellogg Community CU | 42 | $21.7M | $518K | 4.76% |
| 2 | Live Oak Banking Company | 11 | $16.8M | $1.5M | not reported |
| 3 | Fifth Third Bank | 27 | $15.9M | $590K | 3.70% |
| 4 | Michigan Certified Development Corporation | 25 | $15.4M | $617K | not reported |
| 5 | The Huntington National Bank | 106 | $14.9M | $141K | 0.00% |
| 6 | Homestead Savings Bank | 6 | $9.0M | $1.5M | not reported |
| 7 | Southern Michigan Bank & Trust | 16 | $7.5M | $471K | not reported |
| 8 | Horizon Bank | 8 | $4.6M | $577K | not reported |
| 9 | Great Lakes Commercial Finance | 5 | $2.7M | $538K | not reported |
| 10 | Highpoint Community Bank | 12 | $2.6M | $214K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Battle Creek compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Battle Creek area | $193K ▲ 54.3% | 8.9% ▲ 0.6 pts |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Battle Creek
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 55 | $65.1M |
| Other Services | 43 | $19.7M |
| Health Care and Social Assistance | 40 | $18.1M |
| Manufacturing | 33 | $15.6M |
| Agriculture, Forestry, Fishing | 9 | $12.7M |
| Retail Trade | 39 | $12.5M |
| Construction | 40 | $8.4M |
| Wholesale Trade | 8 | $7.5M |
SBA lending in Battle Creek by year
Geography, precisely
"Battle Creek area" here means the Battle Creek, MI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Calhoun County, MI. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.