Lending data
Who actually lends to retail businesses in Wyoming?
46 SBA 7(a) loans went to retail businesses in Wyoming recently, at a median of $392,500. Here are the lenders that made them, ranked.
46 SBA 7(a) loans went to retail businesses in Wyoming in the most recent fiscal years. The median was $392,500 over 10 years. The most active lender was U.S. Bank, with 4 loans.
What lending to retail businesses in Wyoming actually looks like
Every figure on this page is computed from SBA 7(a) loan-level FOIA data released 2026-06-30. It reflects loans that were actually approved, not rate cards or advertised ranges.
| Measure | Retail, Wyoming | All 7(a) borrowers |
|---|---|---|
| Loans approved | 46 | 214,102 |
| Median loan | $392,500 | $150,000 |
| 25th - 75th percentile | $107,500 - $875,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years |
| Median initial rate | 10.12% | 10.25% |
| Share to startups | 30.4% | 33.6% |
| Charge-off rate, FY2010-19 cohort | 6.5% | 7.1% |
Which lenders actually funded them
Ranked by loans approved to retail businesses in Wyoming. This is the list worth working from, because a lender that has funded dozens of businesses like yours in your state has seen your file before.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| U.S. Bank | 4 | $462,000 | 50% | 9.62% |
| Live Oak Banking Company | 3 | $2,950,000 | 0% | 9.25% |
| Mountain America FCU | 3 | $25,000 | 100% | 13.25% |
| Zions Bank | 3 | $89,900 | 67% | 10.00% |
| Newtek Bank | 3 | $525,000 | 33% | 10.50% |
| Platte Valley Bank | 2 | $257,500 | 50% | 8.35% |
| First Financial Bank | 2 | $880,000 | 0% | 9.50% |
| Community Banks of Colorado | 2 | $636,500 | 0% | 9.62% |
| Readycap Lending, LLC | 2 | $442,500 | 0% | 10.50% |
| Celtic Bank Corporation | 2 | $125,000 | 0% | 10.25% |
What stands out in this market
Reading the figures above against the national picture:
- Loans here run larger than average. The median of $392,500 is 162% above the $150,000 national median. Expect lenders in this market to be geared toward bigger deals, and expect a small request to get less attention.
- Startup share is about average, at 30% against 34% nationally.
- Lending here is fragmented. The top three lenders made only 22% of these loans between them, so no single institution owns this market. That is good news: it means shopping genuinely pays.
Which of them lend to new businesses
Of those loans, 30.4% went to businesses the SBA classes as startups — new, under two years old, or opening with the proceeds. These are the lenders in this market that actually wrote them.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Mountain America FCU | 3 | $25,000 | 100% | 13.25% |
| U.S. Bank | 2 | $462,000 | 50% | 9.62% |
| Zions Bank | 2 | $89,900 | 67% | 10.00% |
How to use this
- Shortlist three lenders from the table whose median loan is close to what you need.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year. See choosing an SBA lender.
- Check your coverage first with the affordability calculator so you ask for a number the cash flow supports.
- Assemble the package before you call. The document checklist is the single biggest thing you control.
Compare other markets
- Other sectors in Wyoming: professional services, restaurants and hotels, construction, admin services, personal services
- Retail in comparable states: North Dakota, Alaska, South Dakota, West Virginia, Hawaii, Vermont