PPP loans in Effingham County, Illinois

Name: Effingham 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 2,517 Paycheck Protection Program loans for businesses it recorded in Effingham County, $144.3 million in all.

Effingham County, as of September 30, 2024

$144.3 million
Approved: $144,342,922; 0.4% of the $37.3 billion approved in Illinois.; 2,517
Loans: 1,916 first draws and 601 second draws.; 99.0%
Forgiven: 2,492 of 2,517 loans carry a forgiveness amount, $144.8 million in all.; 0.8%
Charged off: 19 of 2,517 loans, approved for $319.7 thousand. That is the loans' size, not what SBA lost.

The largest borrowers in Effingham County · 2020–21

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The largest borrowers in Effingham County, 2020–21
Rank	Name	USD	Loans
1	Stevens Cabinets Inc, Teutopolis	$5.0 million$5,000,000	1
2	South Central Fs, Inc, Effingham	$3.8 million$3,794,100	1
3	Three-Z Printing Company, Teutopolis	$3.1 million$3,072,400	1
4	Koerner Distributor, Inc., Effingham	$2.9 million$2,889,700	1
5	Siemer Milling Company, Teutopolis	$2.1 million$2,061,230	1
6	Kingery Printing Company, Effingham	$2.1 million$2,054,027	1
7	Niemerg's Inc., Effingham	$1.6 million$1,598,768	2
8	Meyer Oil Co., Teutopolis	$1.3 million$1,269,400	1
9	Peerless Of America Ii, Inc, Effingham	$1.2 million$1,187,400	1
10	Ramsey Welding Inc, Altamont	$1.2 million$1,178,331	2
11	Versatech, LLC, Effingham	$1.2 million$1,164,860	1
12	Mid-Illinois Concrete, Inc., Effingham	$1.2 million$1,163,560	1
13	Versatech, LLC, Effingham	$1.1 million$1,146,185	1
14	Joint Active Systems Inc., Effingham	$1.1 million$1,140,577	1
14	Joint Active Systems,Inc., Effingham	$1.1 million$1,140,577	1
16	Pals Electric Inc., Teutopolis	$1.1 million$1,063,202	1
17	Community Support Systems, Teutopolis	$1.0 million$1,008,119	1
18	Farmweld Inc, Teutopolis	$988.0 thousand$988,045	2
19	Effingham Asphalt Co, Effingham	$972.5 thousand$972,480	2
20	Grunloh Construction Inc., Effingham	$916.1 thousand$916,100	1
21	Grunloh Construction, Inc., Effingham	$905.0 thousand$904,970	1
22	Mid-Illinois Medical Care Associates, Effingham	$893.3 thousand$893,288	1
23	Djk Enterprises LLC, Effingham	$882.0 thousand$882,000	1
24	J. B. Esker And Sons, Inc., Teutopolis	$843.0 thousand$843,027	1
25	J&J Ventures Amusements LLC, Effingham	$788.7 thousand$788,675	1
26	Vantage Technology LLC, Effingham	$781.2 thousand$781,200	1
26	Vantage Technology, LLC, Effingham	$781.2 thousand$781,200	1
28	Dan Hecht Chevrolet, Inc., Effingham	$775.6 thousand$775,597	1
29	Dust & Sons Auto Supplies, Inc., Effingham	$753.7 thousand$753,740	1
30	Lutheran Care Center, Altamont	$712.2 thousand$712,239	1
31	Contractor's Concrete Inc., Effingham	$687.3 thousand$687,305	1
32	Crossroads Truck Equipment, Inc., Effingham	$682.2 thousand$682,200	1
33	Direct Lines, Inc., Effingham	$674.0 thousand$674,000	1
34	Linders Limited, LLC, Effingham	$668.7 thousand$668,700	1
35	Putnam Trucking Operations Company, Inc, Effingham	$666.1 thousand$666,100	1
36	Willowbrook Management, Inc., Effingham	$665.6 thousand$665,600	1
36	Willowbrook Management, Inc., Effingham	$665.6 thousand$665,600	1
38	Family Care Associates Of Effingham, S.C., Effingham	$648.2 thousand$648,242	1
39	Putnam Trucking Operations Company Inc, Effingham	$640.3 thousand$640,342	1
40	Senior Health Specialties, Inc., Effingham	$639.7 thousand$639,690	1
41	Pals Electric Inc, Teutopolis	$635.9 thousand$635,866	1
42	Monroe Bartels, Inc., Effingham	$605.0 thousand$605,000	1
43	Agracel, Inc., Effingham	$590.4 thousand$590,417	1
44	The Gabby Goat, LLC, Effingham	$580.6 thousand$580,595	2
45	St Anthony Church, Effingham	$579.7 thousand$579,737	1
46	Village Xiii Inc, Effingham	$572.4 thousand$572,388	2
47	L. J. Swingler & Sons, Inc., Teutopolis	$562.1 thousand$562,105	2
48	Hetzels Overland Transport, Inc., Effingham	$551.6 thousand$551,610	1
49	Akra Builders Inc, Teutopolis	$543.4 thousand$543,379	1
50	Linders Limited Ii, LLC, Effingham	$538.6 thousand$538,650	1
51	Akra Builders, Inc., Teutopolis	$529.3 thousand$529,282	1
52	St Anthony Of Padua Parish Of Effingham, Effingham	$523.9 thousand$523,894	1
53	J & J Ventures Amusements, LLC, Effingham	$507.8 thousand$507,838	1
54	Toofan Medical Holdings, Ltd., Effingham	$506.7 thousand$506,733	2
55	Dust Investments, Inc., Effingham	$506.6 thousand$506,634	2
56	Russ Braunecker Cadillac, Buick, Gmc Truck, Inc., Effingham	$505.3 thousand$505,280	1
57	Lavender Ridge Inc., Effingham	$491.8 thousand$491,765	1
58	Bahrns Equipment, Inc., Effingham	$469.6 thousand$469,557	1
59	Firefly Farm LLC, Effingham	$466.2 thousand$466,224	1
60	E.J. Water Cooperative, Inc., Dieterich	$455.9 thousand$455,943	1
61	Effingham Obstetrics And Gynecology Associates LLC, Effingham	$447.5 thousand$447,512	1
62	Drs Sehy And Jones Optometrists Pc, Effingham	$445.8 thousand$445,848	2
63	Pyramid Marble & Granite Inc, Effingham	$443.7 thousand$443,730	1
64	Jansen Cable Construction, Inc., Effingham	$438.7 thousand$438,700	1
65	Roy Schmidt Motors, Inc, Effingham	$436.0 thousand$436,007	1
66	Contractors Concrete, Inc., Effingham	$430.9 thousand$430,940	1
67	Diepholz Auto Group Inc., Effingham	$421.5 thousand$421,500	1
68	H & D Restaurants LLC, Effingham	$407.0 thousand$406,982	1
69	Al's Tire Mart Inc, Effingham	$401.4 thousand$401,420	1
70	G.M. Andes, Ltd., Effingham	$383.5 thousand$383,542	1
71	E & C Investments, Effingham	$381.7 thousand$381,710	1
72	Merz Heating & Air Conditioning Inc., Effingham	$380.5 thousand$380,510	1
72	Merz Heating & Air Conditioning, Inc, Effingham	$380.5 thousand$380,510	1
74	Josh Addis Trucking, Inc, Dieterich	$373.7 thousand$373,738	1
75	Sacred Heart Parish Of Effingham Il, Effingham	$372.9 thousand$372,913	2
76	Mette's Cabinet Corner, Inc., Effingham	$371.4 thousand$371,387	1
77	Workman Management Group, LLC, Effingham	$368.9 thousand$368,900	1
78	Wolfe Restoration, Inc., Effingham	$361.1 thousand$361,068	1
79	Lucy's Place LLC, Effingham	$354.4 thousand$354,390	1
79	Lucy's Place, LLC, Effingham	$354.4 thousand$354,390	1
81	Heartland Human Services, Effingham	$348.9 thousand$348,914	1
82	Milano & Grunloh Engineers, LLC, Effingham	$344.5 thousand$344,500	1
83	Taylor Law Offices, P.C., Effingham	$339.1 thousand$339,112	1
84	3 Sisters Logistics, LLC, Teutopolis	$337.5 thousand$337,460	1
85	Mbs Communications, Inc, Altamont	$336.1 thousand$336,100	1
86	Effingham Builder's Supply, Inc., Effingham	$333.8 thousand$333,777	1
87	Firefly Farm, Effingham	$333.0 thousand$333,017	1
88	Cj Accounting, LLC, Effingham	$331.8 thousand$331,800	1
89	Wright Furniture Inc, Dieterich	$328.1 thousand$328,060	1
90	Nextgen Wireless LLC, Effingham	$326.1 thousand$326,107	1
91	The Y-Yard Auto & Truck, Inc., Effingham	$325.0 thousand$325,000	1
92	Wente Plumbing And Heating Co., Inc., Effingham	$320.5 thousand$320,471	1
93	Sandschafer Electric, Inc., Teutopolis	$312.9 thousand$312,884	1
94	Pitchco Personnel, Inc., Montrose	$310.9 thousand$310,890	1
95	Jansen's Heating And Air, Inc., Effingham	$309.4 thousand$309,365	1
96	B B & K Development Corporation, Effingham	$300.8 thousand$300,809	1
97	Newman Employment Services, LLC, Teutopolis	$287.5 thousand$287,463	1
98	Mid-America Motorworks, Inc., Effingham	$271.6 thousand$271,602	1
99	McDevitt Osteen Chojnicki & Deters LLC, Effingham	$270.1 thousand$270,122	1
99	McDevitt Osteen Chojnicki & Deters LLC, Effingham	$270.1 thousand$270,122	1

How the list is drawn

100 of the 2,311 borrowers ranked in Effingham 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 Effingham 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

Effingham County, as of September 30, 2024

The largest borrowers in Effingham County · 2020–21

How the list is drawn

Related

Sources