SBA lending by metro area
SBA lenders in Coldwater, MI
Which lenders fund Coldwater-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 Coldwater area
Ranked by SBA volume funded to businesses located in the Coldwater 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 | Century Bank and Trust | 16 | $7.7M | $480K | not reported |
| 2 | Southern Michigan Bank & Trust | 6 | $3.0M | $494K | not reported |
| 3 | The Huntington National Bank | 37 | $2.6M | $69K | 8.11% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Coldwater compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Coldwater area | $150K ▲ 20.0% | 7.8% |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Coldwater
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 11 | $12.0M |
| Manufacturing | 14 | $7.9M |
| Retail Trade | 11 | $5.6M |
| Health Care and Social Assistance | 7 | $3.7M |
| Construction | 18 | $1.8M |
| Other Services | 11 | $1.6M |
| Transportation and Warehousing | 16 | $1.2M |
SBA lending in Coldwater by year
Geography, precisely
"Coldwater area" here means the Coldwater, MI micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Branch 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.