SBA lending by metro area
SBA lenders in Carbondale, IL
Which lenders fund Carbondale-area businesses, how much, and how the market compares with Illinois: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Carbondale area
Ranked by SBA volume funded to businesses located in the Carbondale micropolitan 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 | Legence Bank | 9 | $4.1M | $460K | not reported |
| 2 | Small Business Growth Corporation | 8 | $4.1M | $514K | not reported |
| 3 | First Mid Bank & Trust, National Association | 9 | $2.8M | $316K | not reported |
| 4 | SIU Credit Union | 6 | $2.1M | $352K | not reported |
| 5 | Peoples National Bank National Association | 7 | $1.0M | $145K | 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 Carbondale compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Carbondale area | $292K ▲ 30.9% | 13.9% ▼ 1.8 pts |
| Illinois | $223K | 15.7% |
| United States | $179K | 11.2% |
What gets funded in Carbondale
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 20 | $16.1M |
| Health Care and Social Assistance | 10 | $6.0M |
| Other Services | 11 | $4.4M |
| Professional and Technical Services | 8 | $4.3M |
| Construction | 5 | $3.2M |
| Retail Trade | 8 | $2.9M |
SBA lending in Carbondale by year
Geography, precisely
"Carbondale area" here means the Carbondale, IL micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Jackson County, IL. 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.