SBA lending by metro area
SBA lenders in Richmond, IN
Which lenders fund Richmond-area businesses, how much, and how the market compares with Indiana: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Richmond area
Ranked by SBA volume funded to businesses located in the Richmond 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 | Three Rivers Federal Credit Union | 27 | $22.9M | $848K | 25.93% |
| 2 | The Huntington National Bank | 8 | $5.4M | $673K | not reported |
| 3 | Indiana Statewide Certified Development Corporation | 15 | $4.8M | $317K | not reported |
| 4 | U.S. Bank, National Association | 30 | $3.6M | $120K | 10.00% |
| 5 | First Bank Richmond | 8 | $2.7M | $338K | not reported |
| 6 | First Financial Bank | 15 | $1.9M | $126K | not reported |
| 7 | Wayne Bank and Trust Co | 13 | $1.6M | $121K | 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 Richmond compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Richmond area | $168K ▲ 12.0% | 11.0% ▼ 0.7 pts |
| Indiana | $150K | 11.7% |
| United States | $179K | 11.2% |
What gets funded in Richmond
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 38 | $31.1M |
| Manufacturing | 21 | $10.5M |
| Retail Trade | 21 | $8.7M |
| Wholesale Trade | 8 | $5.9M |
| Other Services | 19 | $5.6M |
| Construction | 12 | $1.9M |
| Professional and Technical Services | 9 | $1.4M |
SBA lending in Richmond by year
Geography, precisely
"Richmond area" here means the Richmond, IN micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Wayne County, IN. 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.