Small business loans in Ashburn, VA
Short answer
The most active SBA lenders in Ashburn, VA since FY2024 are M&T Bank (12 loans) and Northeast Bank (6). The median loan was $242,750, and half fell between $96,875 and $449,150. For free help, see the Virginia SBDC Network. Source: SBA 7(a) loan data.
- SBA loans since FY2024
- 68
- approved since FY2024
- $23.2M
- median loan
- $242,750
- through SBA Express
- 30.9%
Lenders making SBA loans in Ashburn
No lender made more than 18% of the loans in Ashburn, and M&T Bank made the most. The three largest lenders together made 34%.
| Lender | Loans | Share |
|---|---|---|
| M&T Bank | 12 | 17.6% |
| Northeast Bank | 6 | 8.8% |
| The Huntington National Bank | 5 | 7.4% |
Share is the percent of all Ashburn loans in that period. Each name links to that lender's page for Virginia where one exists.
Ashburn has three lenders with five or more loans since FY2024. Others had fewer, and the Virginia page counts 174 lenders with at least one approved loan statewide.
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Local help near Ashburn
Ashburn borrowers can start with SBA's district offices for Virginia, an SBDC or SCORE.
38% of Ashburn borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.
SBA runs two district offices that cover Virginia. Each page points to state and federal resources and to lenders in its area. The Virginia SBDC Network gives free counseling across Virginia.
- SBA Virginia District OfficeSBA district office
- SBA Washington Metropolitan Area District OfficeSBA district office
- Virginia SBDC NetworkSmall Business Development Center
- SCORE mentors in VirginiaBusiness mentoring
Alongside SBA loans, Virginia runs four loan programs. The Virginia page describes each, and the official pages are linked here.
Loan counts and sizes in Ashburn
Ashburn ranks 11th by loans since FY2024 among the 15 Virginia cities with 100 or more SBA loans since FY2020. Nationally it is the 378th busiest of the 580 cities that reach 100 loans.
The 68 loans, 2.3% of the 2,948 in Virginia, were approved for $23.2 million in all. The medianThe middle figure. Half the loans were larger and half were smaller. loan was $242,750, 62% above the national median of $150,300. Half of the loans fell between $96,875 and $449,150. The Ashburn median is 21% above the Virginia median of $200,000.
| Measure | Ashburn | Virginia | U.S. |
|---|---|---|---|
| Loans | 68 | 2,948 | 162,355 |
| Median loan | $242,750 | $200,000 | $150,300 |
| 25th percentile | $96,875 | $80,000 | $50,000 |
| 75th percentile | $449,150 | $500,000 | $500,000 |
| Via SBA Express | 30.9% | 30.0% | 35.8% |
| Lines of credit | 22.1% | 22.4% | 28.1% |
| Startups | 22.1% | 23.2% | 16.1% |
| Ownership changes | n/a | 10.1% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 2.75 | 2.75 |
| Charged off | 0.0% | 3.6% | 3.6% |
A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.
79% of the loans were $500,000 or less, the size SBA Express covers. 30.9% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 22.1% of loans, below the national 28.1%.
Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.
Fiscal years run October to September. The last bar covers nine of its twelve months.
Volume rose 12% from FY2024 (24 loans) to FY2025 (27), the two latest full years. The busiest full year in the file was FY2025, with 27 loans. FY2026 already shows 17 loans through June 30.
Of the 42 loans Ashburn borrowers received in FY2020 to FY2022, 0.0% were charged offThe lender wrote the loan off as a loss because it was not being repaid. by June 30, 2026, against 3.6% nationally. That group is small, so treat the rate as rough. Lenders reported 864 jobs supported across the 68 loans since FY2024, about 12.7 per loan. SBA does not audit these estimates.
What businesses in Ashburn borrow for
Full-Service Restaurants was the largest borrower group in Ashburn, with 7 loans or 10.3% of the total.
| Industry | Loans | Share | U.S. share |
|---|---|---|---|
| Full-Service Restaurants | 7 | 10.3% | 4.6% |
Share is the percent of all Ashburn loans in that period. Industry is the NAICS code on each loan. A name links to the Virginia page for that industry where one exists.
A typical loan payment in Ashburn
The median Ashburn loan was $242,750 with a median term of 10 years.
The median variable-rate loan in Ashburn was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $242,750 over 10 years, principal and interest would come to about $3,174 a month. That is arithmetic on past loans, not a rate a lender is offering.
| Loan | Amount | Monthly payment |
|---|---|---|
| 25th percentile loan | $96,875 | $1,267 |
| Median loan | $242,750 | $3,174 |
| 75th percentile loan | $449,150 | $5,874 |
Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.
SBA's rate ceiling for this loan size
SBA's maximum for a loan of $242,750 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).
Ashburn loans approved since FY2024 had a median starting rate of 10.25% at approval, matching the national median. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.
Run your own numbers: payments on a $250,000 loan and SBA Express payment calculator.
SBA 504 loans near Ashburn
Ashburn has 10 SBA 504 loans since FY2020, with $9.4 million in SBA and CDC dollars.
Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.
Business Finance Group, Inc. is the one Certified Development CompanyA nonprofit that SBA certifies and regulates to arrange 504 loans together with a bank. (CDC) named on five or more loans, 8 since FY2020.
| Certified Development Company | 504 loans |
|---|---|
| Business Finance Group, Inc. | 8 |
How a 504 loan is split
A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capitalMoney for day-to-day costs such as payroll, rent and inventory. Full definition or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a list of Certified Development Companies.
Virginia cities near Ashburn
Ashburn made up 2.3% of Virginia's SBA loans since FY2024.
Ashburn is one of 15 Virginia cities with 100 or more SBA loans since FY2020. The Virginia page covers all 2,948 loans in Virginia. The closest come first, ranked by county and ZIP code on their loans.
Common questions about SBA loans in Ashburn
Which lenders make the most SBA loans in Ashburn?
M&T Bank leads with 12 loans in Ashburn since FY2024. Northeast Bank (6) and The Huntington National Bank (5) follow. Only lenders with five or more Ashburn loans are counted.
Which industries get SBA loans in Ashburn?
Full-Service Restaurants leads with 7 loans in Ashburn since FY2024.
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. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. How we build these pages.
Sources
- SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026
- SBA, 504 loans
- SBA, resource partners: SBDCs and SCORE
- SBA Virginia District Office
- SBA Washington Metropolitan Area District Office
- Virginia SBDC Network
- SCORE, Virginia
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931
- SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)
- sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)
- SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)
- 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)
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Cite this page: Small business loans in Ashburn, VA. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/virginia-small-business-loans/ashburn/
Ask lending partners about a loan in Ashburn
Tell us what you need and we refer your request to lending partners.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.