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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 build the lender shortlist deliberately.

Most Active Acquisition Lenders in U.S. Virgin Islands

  1. 1. Byline Bank3 loans
  2. 2. Merchants Commercial Bank3 loans
  3. 3. Banco Popular de Puerto Rico2 loans
  4. 4. Cogent Bank1 loans
  5. 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.

By Metro Area in U.S. Virgin Islands

No metro area in U.S. Virgin Islands drew 20 purchase loans over FY2020 through FY2025, the floor below which a ranking of its lenders would be one or two loans.

Every metro area that drew 20 purchase loans, with three lenders each, is in the metro table.

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.