SBA lending by metro area
SBA lenders in Harrisonburg, VA
Which lenders fund Harrisonburg-area businesses, how much, and how the market compares with Virginia: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Harrisonburg area
Ranked by SBA volume funded to businesses located in the Harrisonburg 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 | Business Finance Group, Inc. | 25 | $20.9M | $837K | not reported |
| 2 | Live Oak Banking Company | 13 | $13.4M | $1.0M | not reported |
| 3 | 504 Capital Corporation | 7 | $7.6M | $1.1M | not reported |
| 4 | Farmers & Merchants Bank | 54 | $5.2M | $96K | 5.56% |
| 5 | The First Bank and Trust Company | 6 | $4.3M | $715K | not reported |
| 6 | Atlantic Union Bank | 21 | $3.4M | $163K | 4.76% |
| 7 | Truist Bank | 11 | $3.2M | $291K | not reported |
| 8 | Pendleton Community Bank Inc | 14 | $2.8M | $197K | not reported |
| 9 | Wells Fargo Bank National Association | 13 | $1.6M | $127K | not reported |
| 10 | BayFirst National Bank | 5 | $1.4M | $270K | 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 Harrisonburg compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Harrisonburg area | $150K ▼ 25.0% | 13.9% ▲ 1.4 pts |
| Virginia | $200K | 12.5% |
| United States | $179K | 11.2% |
What gets funded in Harrisonburg
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 35 | $17.3M |
| Retail Trade | 35 | $16.5M |
| Other Services | 28 | $12.5M |
| Health Care and Social Assistance | 21 | $11.5M |
| Manufacturing | 29 | $11.2M |
| Agriculture, Forestry, Fishing | 6 | $8.2M |
| Administrative and Support | 13 | $4.4M |
| Construction | 19 | $4.3M |
SBA lending in Harrisonburg by year
Geography, precisely
"Harrisonburg area" here means the Harrisonburg, VA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Harrisonburg city, VA; Rockingham County, VA. 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.