PPP loans in Clay County, Illinois

Name: Clay County, Illinois
Address: IL, US

Each amount is what the Small Business Administration approved, as SBA published it, and says nothing more about the borrower. SBA guaranteed 786 Paycheck Protection Program loans for businesses it recorded in Clay County, $28.3 million in all.

Clay County, as of September 30, 2024

$28.3 million
Approved: $28,291,130; 0.1% of the $37.3 billion approved in Illinois.; 786
Loans: 590 first draws and 196 second draws.; 98.3%
Forgiven: 773 of 786 loans carry a forgiveness amount, $28.2 million in all.; 1.3%
Charged off: 10 of 786 loans, approved for $175.0 thousand. That is the loans' size, not what SBA lost.

The largest borrowers in Clay County · 2020–21

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The largest borrowers in Clay County, 2020–21
Rank	Name	USD	Loans
1	County Of Clay, Flora	$2.8 million$2,772,455	1
2	Elt Transport Inc., Louisville	$1.4 million$1,441,662	1
3	Elt Transport, Inc, Louisville	$1.4 million$1,441,600	1
4	Knapp Oil Co., Inc, Xenia	$1.2 million$1,177,000	1
5	Knapp Oil Co. Inc., Xenia	$1.1 million$1,061,744	1
6	Xenia Mfg Inc, Xenia	$894.1 thousand$894,102	1
7	Xenia Manufacturing, Inc, Xenia	$866.2 thousand$866,200	1
8	Wabash Independent Networks, Inc., Louisville	$659.9 thousand$659,915	1
9	Southern Illinois Workers, Inc., Flora	$487.8 thousand$487,782	2
10	Clay Electric Cooperative Inc., Flora	$345.6 thousand$345,617	1
11	Clay County Rehabilitation Cen, Flora	$293.0 thousand$293,000	1
12	Clay County Rehabilitation Center, Flora	$264.1 thousand$264,124	1
13	Bailey Family Farm, Xenia	$231.5 thousand$231,475	1
14	Bailey Family Farm, LLC, Xenia	$222.7 thousand$222,700	1
15	Glamour Farms Inc., Louisville	$204.2 thousand$204,200	1
16	Bindon Enterprises, Inc., Flora	$199.1 thousand$199,122	1
17	Glamour Farms Inc, Louisville	$194.2 thousand$194,200	1
18	Car Corral, Flora	$183.0 thousand$183,000	1
19	Drewes Restoration Inc, Noble	$154.9 thousand$154,900	1
20	Timco Transportation Inc., Flora	$154.5 thousand$154,514	1
21	Dsi Flora Operator LLC, Flora	$154.2 thousand$154,223	1
22	John Zink, Louisville	$145.3 thousand$145,337	1
23	McCarthy Management Inc, Flora	$144.5 thousand$144,495	1
24	Wolfe Pipe Testing LLC, Clay City	$134.8 thousand$134,840	1
25	Bangert Well Service Inc, Clay City	$131.7 thousand$131,730	1
26	Wolfe Pipe Testing LLC, Clay City	$131.6 thousand$131,587	1
27	Bangert Well Service Inc, Clay City	$127.8 thousand$127,775	1
28	Justin Cook Management LLC, Flora	$123.7 thousand$123,675	2
29	Diamond Development, Louisville	$120.6 thousand$120,585	1
30	Bible Pork, Inc, Louisville	$120.5 thousand$120,450	1
31	Troy Leonard, Flora	$117.7 thousand$117,705	2
32	Bible Pork, Inc, Louisville	$116.5 thousand$116,547	1
33	Crop Source LLC, Louisville	$112.0 thousand$111,965	2
34	Timco Transportation, Inc., Flora	$109.7 thousand$109,681	1
35	Dc Weld Inc, Flora	$100.7 thousand$100,735	1
36	Dc Weld Inc, Flora	$100.7 thousand$100,660	1
37	Anthony Booth, Flora	$95,151	1
38	Leo Frank Hettiger, Flora	$81,220	1
39	Bill Garrett, Inc., Louisville	$80,700	1
40	Rudolphi Veterinary Service, Ltd, Noble	$79,800	1
41	Darrin Hout Farms, Flora	$79,567	1
42	Darrin Hout, Flora	$79,400	1
43	Dawkins Construction & Excavation Inc., Louisville	$78,374	1
44	Lorson Inc, Flora	$76,433	1
45	Flora Ready Mix, Flora	$74,778	1
46	2B Restaurant Inc, Flora	$74,222	1
47	Dale Cailteux, Clay City	$73,829	2
48	The Country Closet, Inc, Flora	$72,829	1
49	Bill Garrett Inc, Louisville	$71,542	1
50	Butcher Automotive LLC, Louisville	$67,757	1
51	B & S Cleaning Service Co, Xenia	$67,577	1
52	Butcher Automotive LLC, Louisville	$67,346	1
53	Red Brush Christian Church, Louisville	$65,700	1
54	E & H Hardware, Inc, Flora	$65,110	1
55	Clay County Chiropactic, Inc., Flora	$64,998	2
56	Lew Crew Farms LLC, Clay City	$63,095	1
57	Oil Belt Christian Service Camp, Flora	$62,153	1
58	Mark Strange Inc, Flora	$61,785	2
59	Steve Kincaid Farms LLC, Louisville	$59,474	1
60	The Country Closet Inc, Flora	$59,425	1
61	Steve Anderson, Xenia	$59,070	2
62	Gary Cooper, Xenia	$58,190	1
63	Robert D. Bailey, Louisville	$55,584	1
64	Virtue House Ministries, Xenia	$54,200	1
65	Lorson Inc, Flora	$54,037	1
66	North Wayne Insurancy Agency, Inc., Flora	$53,975	1
67	Cottonwood Creek Inc., Louisville	$52,962	1
68	Billy Peterman Jr, Clay City	$52,857	1
69	Cottonwood Creek, Inc., Louisville	$52,700	1
70	Blair's Slaughtering & Processing, Inc., Louisville	$52,109	1
71	Mike Kitley, Flora	$52,080	2
72	Zimdars Air Conditioning & Heating, Louisville	$51,087	1
73	No More Nicotine #1 Of Flora Inc., Flora	$50,978	1
74	Southern Illinois Smiles, Flora	$50,570	1
75	Trinity Health And Wellness LLC, Louisville	$50,557	1
76	Billy Peterman, Clay City	$50,335	1
77	Fender Electric Inc, Louisville	$50,000	2
78	Derrick Bell, Flora	$49,999	2
79	Baseline Services Inc, Xenia	$49,155	1
80	H & R Communications, Inc, Flora	$48,535	1
80	H&R Communications Inc, Flora	$48,535	1
82	Zimdars Air Conditioning & Heating, Louisville	$48,388	1
83	Flora Auto Parts, Inc., Flora	$48,339	1
84	William Chandler, Noble	$47,600	2
85	Goodman Simmons Scrap LLC, Louisville	$47,573	2
86	Anthony Booth, Flora	$47,135	1
87	Baseline Services, Inc, Xenia	$47,000	1
88	Leo Frank Hettiger, Flora	$45,583	1
89	The Burge House, Flora	$45,427	1
90	Clay County Funeral Services Inc., Flora	$45,154	1
91	Rlh Farms Inc., Louisville	$44,117	1
92	Precision Eyecare Center-Flora Location-LLC, Flora	$42,680	1
93	Julians, Flora	$42,650	1
94	Marty D Poehler, Louisville	$42,200	1
95	Michael D Welty, Xenia	$42,065	1
96	Precision Eye Care Centers, Flora	$42,020	1
97	J.W. Rudy Co., Inc, Clay City	$41,925	1
98	Dennis Holkenbrink, Louisville	$41,667	2
99	Eric Bailey, Farina	$41,667	2
99	Kenneth Newton, Xenia	$41,667	2

How the list is drawn

100 of the 723 borrowers ranked in Clay County are listed: every one ranked in the top 100, with ties. Borrowers approved the same amount share a rank, so the list can be longer than 100. The last rank here is shared by 2 borrowers.
A borrower is ranked here when SBA recorded its first loan in Clay County. Its amount is summed over every loan it was approved, a first draw, a second or both, and is not what was forgiven or repaid, which each borrower’s page shows loan by loan.

Sources

SBA Paycheck Protection Program (PPP) FOIA — loan-level data — U.S. Small Business Administration · Public domain — U.S. Government work · retrieved September 25, 2026
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Data retrieved September 23, 2026

Clay County, as of September 30, 2024

The largest borrowers in Clay County · 2020–21

How the list is drawn

Related

Sources