Buying a Business in U.S. Virgin Islands
The Numbers
FY2025 Acquisition Loans
1
$1.06M approved
Median Loan
$859k
FY2020 through FY2025
Loans Since FY2020
12
$10.1M in total approvals
Share of U.S. Activity
0%
Of change-of-ownership loans
What the Data Says
U.S. Virgin Islands ranks 53rd of 53 states and territories for change-of-ownership SBA 7(a) lending: 12 loans since FY2020, 0.0% of the national total.
The typical deal runs large: its $859k median loan sits above the $650k midpoint across states, so expect bigger checks and the larger injection and cash flow they need.
Activity is cooling: FY2025's 1 loans ran behind the state's own ~2 a year pace since FY2020.
The most-financed target is offices of dentists (3 loans), and the 5 most active lenders wrote about 83% of the state's acquisitions, a concentrated lender field.
This is a thin market by national standards, so expect fewer local comparables and mostly out-of-state lenders; build the shortlist deliberately rather than relying on a nearby branch.
Most Active Acquisition Lenders in U.S. Virgin Islands
- 1. Byline Bank3 loans
- 2. Merchants Commercial Bank3 loans
- 3. Banco Popular de Puerto Rico2 loans
- 4. Cogent Bank1 loans
- 5. First Financial Bank (AR)1 loans
A lender being active in U.S. Virgin Islands does not require a local branch; several top SBA lenders work nationally. Build a shortlist with Lenders.
What Gets Bought in U.S. Virgin Islands
- Offices of Dentists3 loans
- Full-Service Restaurants1 loans
- Fitness and Recreational Sports Centers1 loans
- Passenger Car Rental1 loans
- Veterinary Services1 loans
Industry-specific pricing and diligence live in the Guides. How many buyable businesses U.S. Virgin Islands holds in each trade is in Where the Businesses Are.
Method & Source
Computed from the SBA 7(a) FOIA loan-level dataset (FY2020 through FY2025), filtered to approvals flagged change of ownership with a U.S. Virgin Islands project address. Approvals, not closings; excludes conventional and 504 financing.