SBA lending by metro area
SBA lenders in Lynchburg, VA
Which lenders fund Lynchburg-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 Lynchburg area
Ranked by SBA volume funded to businesses located in the Lynchburg 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. | 20 | $11.6M | $581K | not reported |
| 2 | Live Oak Banking Company | 10 | $11.6M | $1.2M | not reported |
| 3 | Truist Bank | 24 | $8.9M | $370K | 4.17% |
| 4 | The First Bank and Trust Company | 35 | $8.4M | $239K | 0.00% |
| 5 | 504 Capital Corporation | 12 | $8.3M | $694K | not reported |
| 6 | Pinnacle Bank | 7 | $7.9M | $1.1M | not reported |
| 7 | Select Bank | 13 | $7.5M | $578K | not reported |
| 8 | Rappahannock Economic Development Corporation | 5 | $5.6M | $1.1M | not reported |
| 9 | First National Bank of Pennsylvania | 5 | $5.5M | $1.1M | not reported |
| 10 | Celtic Bank Corporation | 7 | $4.5M | $642K | 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 Lynchburg compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Lynchburg area | $185K ▼ 7.8% | 11.9% ▼ 0.6 pts |
| Virginia | $200K | 12.5% |
| United States | $179K | 11.2% |
What gets funded in Lynchburg
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 50 | $25.9M |
| Retail Trade | 36 | $19.1M |
| Manufacturing | 32 | $15.8M |
| Arts, Entertainment, Recreation | 15 | $13.2M |
| Construction | 30 | $10.9M |
| Professional and Technical Services | 34 | $9.7M |
| Administrative and Support | 17 | $9.3M |
| Real Estate | 19 | $8.0M |
SBA lending in Lynchburg by year
Geography, precisely
"Lynchburg area" here means the Lynchburg, VA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Amherst County, VA; Appomattox County, VA; Bedford County, VA; Campbell County, VA; Lynchburg city, 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.