SBA lending by metro area
SBA lenders in Kalamazoo, MI
Which lenders fund Kalamazoo-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 Kalamazoo area
Ranked by SBA volume funded to businesses located in the Kalamazoo 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 | 234 | $54.5M | $233K | 2.14% |
| 2 | Michigan Certified Development Corporation | 65 | $49.9M | $768K | not reported |
| 3 | Horizon Bank | 109 | $27.8M | $255K | 0.92% |
| 4 | Great Lakes Commercial Finance | 48 | $19.5M | $407K | not reported |
| 5 | Old National Bank | 11 | $14.8M | $1.3M | not reported |
| 6 | Live Oak Banking Company | 10 | $14.8M | $1.5M | not reported |
| 7 | Fifth Third Bank | 47 | $10.3M | $218K | 0.00% |
| 8 | Kellogg Community CU | 24 | $10.0M | $416K | 8.33% |
| 9 | Southern Michigan Bank & Trust | 15 | $10.0M | $664K | not reported |
| 10 | First National Bank of Michigan | 40 | $9.7M | $243K | 10.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Kalamazoo compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Kalamazoo area | $182K ▲ 45.6% | 13.4% ▲ 5.2 pts |
| Michigan | $125K | 8.3% |
| United States | $179K | 11.2% |
What gets funded in Kalamazoo
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 132 | $64.8M |
| Manufacturing | 108 | $55.3M |
| Retail Trade | 120 | $46.3M |
| Professional and Technical Services | 86 | $27.0M |
| Other Services | 76 | $26.4M |
| Health Care and Social Assistance | 74 | $22.6M |
| Construction | 75 | $19.9M |
| Wholesale Trade | 37 | $19.6M |
SBA lending in Kalamazoo by year
Geography, precisely
"Kalamazoo area" here means the Kalamazoo-Portage, MI metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Kalamazoo 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.