SBA lending by metro area
SBA lenders in Flint, MI
Which lenders fund Flint-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 Flint area
Ranked by SBA volume funded to businesses located in the Flint 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 | The Huntington National Bank | 589 | $115.8M | $197K | 3.74% |
| 2 | ChoiceOne Bank | 185 | $73.5M | $397K | 0.00% |
| 3 | Michigan Certified Development Corporation | 80 | $42.7M | $534K | not reported |
| 4 | Live Oak Banking Company | 18 | $23.7M | $1.3M | not reported |
| 5 | JPMorgan Chase Bank, National Association | 95 | $18.0M | $189K | 3.16% |
| 6 | Fifth Third Bank | 24 | $11.5M | $478K | 0.00% |
| 7 | Oxford Bank | 18 | $9.3M | $516K | not reported |
| 8 | Dort Financial CU | 25 | $7.9M | $315K | 8.00% |
| 9 | Newtek Small Business Finance, Inc. | 13 | $7.5M | $578K | not reported |
| 10 | Oakland County Business Finance Corporation | 12 | $6.4M | $537K | 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 Flint compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Flint area | $132K ▲ 5.9% | 7.4% ▼ 0.8 pts |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Flint
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 184 | $87.0M |
| Health Care and Social Assistance | 175 | $66.6M |
| Retail Trade | 169 | $47.9M |
| Construction | 183 | $43.7M |
| Manufacturing | 77 | $41.3M |
| Other Services | 119 | $35.6M |
| Professional and Technical Services | 118 | $33.1M |
| Real Estate | 31 | $25.4M |
SBA lending in Flint by year
Geography, precisely
"Flint area" here means the Flint, MI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Genesee 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.