SBA 7(a) lenders in Clinton, IL
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
21 institutions have SBA 7(a) loans on record in Clinton, together $27.8M across 59 loans. Community First Bank of the Heartland is the largest, with 29% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Community First Bank of the Heartland | 9 | $8.1M | 29.0% | 0.00% |
| 2 | Readycap Lending, LLC | 1 | $4.5M | 16.1% | 0.00% |
| 3 | Peoples National Bank National Association | 3 | $3.9M | 13.8% | 6.93% |
| 4 | Bank of Belleville | 4 | $2.2M | 8.0% | 0.00% |
| 5 | Bank of Springfield | 1 | $1.5M | 5.2% | 0.00% |
| 6 | 1NB Bank | 6 | $1.0M | 3.7% | 0.00% |
| 7 | Byline Bank | 2 | $976K | 3.5% | 0.00% |
| 8 | Germantown Trust & Savings Bank | 2 | $900K | 3.2% | 73.84% |
| 9 | First Mid Bank & Trust, National Association | 5 | $885K | 3.2% | 0.00% |
| 10 | U.S. Bank, National Association | 8 | $877K | 3.2% | 0.00% |
| 11 | Live Oak Banking Company | 1 | $830K | 3.0% | 0.00% |
| 12 | Constitution Bank National Association | 1 | $500K | 1.8% | 0.00% |
| 13 | Wells Fargo Bank National Association | 1 | $436K | 1.6% | 0.00% |
| 14 | Legence Bank | 2 | $417K | 1.5% | 0.00% |
| 15 | OakStar Bank | 1 | $297K | 1.1% | 84.10% |
| 16 | Midland States Bank | 2 | $188K | 0.7% | 0.00% |
| 17 | United Midwest Savings Bank National Association | 1 | $125K | 0.4% | 0.00% |
| 18 | First National Bank of Steeleville | 1 | $120K | 0.4% | 0.00% |
| 19 | VelocitySBA, LLC | 6 | $73K | 0.3% | 0.00% |
| 20 | Newtek Bank, National Association | 1 | $45K | 0.2% | 0.00% |
| 21 | Scott Credit Union | 1 | $25K | 0.1% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Transportation & warehousing | 12 | $8.3M | 29.9% |
| 2 | Retail trade | 8 | $7.4M | 26.5% |
| 3 | Wholesale trade | 3 | $3.6M | 12.8% |
| 4 | Accommodation & food services | 5 | $2.3M | 8.4% |
| 5 | Construction | 9 | $2.2M | 7.9% |
| 6 | Other services | 7 | $2.1M | 7.4% |
| 7 | Administrative & waste services | 3 | $597K | 2.1% |
| 8 | Manufacturing | 4 | $498K | 1.8% |
| 9 | Manufacturing | 1 | $300K | 1.1% |
| 10 | Finance & insurance | 1 | $144K | 0.5% |
| 11 | Agriculture, forestry & fishing | 1 | $131K | 0.5% |
| 12 | Retail trade | 2 | $125K | 0.4% |
| 13 | Real estate & leasing | 1 | $125K | 0.4% |
| 14 | Health care & social assistance | 1 | $63K | 0.2% |
| 15 | Professional & technical services | 1 | $5K | 0.0% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.