SBA lending by metro area
SBA lenders in Sterling, IL
Which lenders fund Sterling-area businesses, how much, and how the market compares with Illinois: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Sterling area
Ranked by SBA volume funded to businesses located in the Sterling 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 | Byline Bank | 6 | $3.1M | $520K | not reported |
| 2 | Citizens First Bank | 11 | $2.8M | $256K | not reported |
| 3 | The Clinton National Bank | 5 | $746K | $149K | not reported |
| 4 | U.S. Bank, National Association | 9 | $614K | $68K | 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 Sterling compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Sterling area | $158K ▼ 29.3% | 8.7% ▼ 7.0 pts |
| Illinois | $223K | 15.7% |
| United States | $179K | 11.2% |
What gets funded in Sterling
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 20 | $6.4M |
| Manufacturing | 9 | $5.7M |
| Wholesale Trade | 5 | $3.6M |
| Retail Trade | 10 | $2.3M |
| Other Services | 5 | $663K |
| Professional and Technical Services | 5 | $395K |
SBA lending in Sterling by year
Geography, precisely
"Sterling area" here means the Sterling, IL micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Whiteside County, IL. 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.