# SBA loans to finish carpentry and cabinet installers in Ohio **Short answer:** SBA's loan file shows 94 loans to finish carpentry and cabinet installers in Ohio since October 2019. 84.0% went through SBA Express, against 63.8% nationally. 68.1% were lines of credit, against 48.7% nationally. Canonical page: https://www.sbaexpress.loans/industries/finish-carpentry-contractors/ohio/ Data as of: 2026-06-30 These are the 94 SBA 7(a) loans to [finish carpentry and cabinet installers](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/) in [Ohio](https://www.sbaexpress.loans/ohio-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Ohio differs from the U.S. **What this means for you.** SBA Express was a more common route for these loans here, so ask lenders about it if your loan is small enough to qualify. ### SBA Express 84.0% of the loans in Ohio went through SBA Express, against 63.8% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Ohio: 84.0% - United States: 63.8% ### Lines of credit 68.1% of the loans in Ohio were lines of credit, against 48.7% nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - Ohio: 68.1% - United States: 48.7% ### Lender concentration [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) made 76.6% of these loans (72 of 94). Nationally it made 12.6% of loans to finish carpentry and cabinet installers. It made 60.3% of all SBA loans in Ohio. We compared 8 measures with the national figure for the same period, and these are the 3 that differ clearly. The table compares every measure. ## Ohio next to the U.S. **Ohio compared with all loans to finish carpentry and cabinet installers in the U.S., October 2019 to June 2026** | Measure | Ohio | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 0.49% | 0.35% | No clear gap | | Median loan | $50,000 | $99,000 | No clear gap | | Middle half of loans | $30,000 to $106,000 | $30,000 to $229,650 | – | | Startups (the loan opens the business) | Fewer than 5 | 9.9% | n/a | | In business 2 years or less | 6.4% | 15.6% | No clear gap | | In business more than 2 years | 80.9% | 67.5% | No clear gap | | Change of ownership | 5.3% | 6.1% | No clear gap | | SBA Express | 84.0% | 63.8% | Clearly higher | | Lines of credit | 68.1% | 48.7% | Clearly higher | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2 points over Prime | 2.75 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Ohio The 3 lenders below made 83 of the 94 loans approved October 2019 to June 2026, or 88.3%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Ohio** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 72 | 76.6% | 12.6% | | [U.S. Bank](https://www.sbaexpress.loans/sba-express-lenders/u-s-bank/) | 6 | 6.4% | 10.4% | | [PNC Bank](https://www.sbaexpress.loans/sba-express-lenders/pnc-bank/) | 5 | 5.3% | Not in top 5 | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Finish carpentry and cabinet installers in other states Other states where these loans differ clearly from the national pattern, most loans first. **Finish carpentry and cabinet installers by state** | State | Loans since October 2019 | | --- | --- | | [Florida](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/florida/) | 132 | | [California](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/california/) | 93 | | [New York](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/new-york/) | 74 | | [Michigan](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/michigan/) | 59 | | [Texas](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/texas/) | 55 | | [Massachusetts](https://www.sbaexpress.loans/industries/finish-carpentry-contractors/massachusetts/) | 50 | ## More industries in Ohio Other industries in Ohio with a clear difference from the national pattern, most loans first. **Other industries in Ohio** | Industry | Loans since October 2019 | | --- | --- | | [Long-haul truckload carriers](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/ohio/) | 1,160 | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/ohio/) | 790 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/ohio/) | 693 | | [Local trucking companies](https://www.sbaexpress.loans/industries/general-freight-trucking-local/ohio/) | 570 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/ohio/) | 559 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/ohio/) | 502 | | [Paving, fencing, pool and other specialty contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/ohio/) | 478 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/ohio/) | 349 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)