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SBA lenders in Winchester, VA

SBA 7(a) and 504 loans to businesses in Winchester (Frederick County), October 2021 to June 30, 2026 · Updated October 15, 2026
66
SBA loans approved
$45.1M
Total approved
$225,000
Median loan
29
Lenders active
39%
To startups

66 SBA loans worth $45.1M went to businesses in Winchester, VA between October 2021 and June 2026, from 29 lenders. Bank of Clarke made the most, 9 loans. The median loan was $225,000, compared with $232,000 across Virginia, and other services (repair, personal care) was the most financed industry.

Most active SBA lenders in Winchester

#LenderLoansApprovedMedian loanTo startups
1Bank of Clarke
Bank · Berryville, VA
9$7.5M$250,00044%
2Northeast Bank
Bank · Portland, ME
7$396K$50,00014%
3Huntington National Bank
Bank · Columbus, OH
5$927K$198,600100%
4Business Finance Group
Certified development company · Fairfax, VA
4$6.7M$530,0000%
5Readycap Lending
Non-bank lender · Berkeley Heights, NJ
4$608K$46,5000%
6SouthState Bank
Bank · Winter Haven, FL
3$1.4M$519,80033%
7Potomac Bank
Bank · Charles Town, WV
3$460K$200,00067%
8First Bank of the Lake
Bank · Osage Beach, MO
2$5.0M$2,516,500100%
9Rappahannock Economic Development
Certified development company · Fredericksburg, VA
2$2.7M$1,342,00050%
10KeyPoint CU
Credit union · San Jose, CA
2$1.1M$559,0000%
11Pinnacle Bank
Bank · Nashville, TN
2$888K$444,0000%
12Capital One
Bank · McLean, VA
2$850K$425,000100%
13Manufacturers and Traders Trust
Bank · Buffalo, NY
2$669K$334,5000%
14Wells Fargo Bank
Bank · Sioux Falls, SD
2$590K$295,250100%
15United Midwest Savings Bank
Bank · Degraff, OH
2$400K$200,000100%
7(a) and 504 lenders combined, ranked by number of loans to businesses in Winchester. For 504 loans the lender shown is the certified development company.

What gets financed in Winchester

IndustryLoansShareMedian loanMost active lender
Other services (repair, personal care)11
17%
$158,000Business Finance Group
Retail8
12%
$299,500HomeTrust Bank
Health care and social assistance7
11%
$266,000Huntington National Bank
Restaurants and hotels7
11%
$1,652,000Bank of Clarke
Professional and technical services5
8%
$31,500Bank of Clarke
Construction5
8%
$150,000Northeast Bank
Transportation and warehousing5
8%
$435,300KeyPoint CU
Arts, entertainment and recreation4
6%
$334,500Manufacturers and Traders Trust
Loan size mix
  • Under $150,00038%
  • $150,000 to $500,00030%
  • $500,000 to $2 million23%
  • $2 million and up9%
Compared with Virginia
Median loan, Winchester
$225,000
Median loan, Virginia
$232,000
Startup share, Winchester
39%
Startup share, Virginia
37%
Share of state's SBA loans
1.1%

SBA loans per fiscal year in Winchester

0102030FY14: 6 loansFY14FY15: 13 loansFY15FY16: 11 loansFY16FY17: 14 loansFY17FY18: 13 loansFY18FY19: 9 loansFY19FY20: 12 loansFY20FY21: 13 loansFY21FY22: 7 loansFY22FY23: 9 loansFY23FY24: 17 loansFY24FY25: 27 loansFY2527FY26 (Oct to Jun): 6 loansFY266
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.