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County23rd of 149 in Georgia by approvalsFIPS 13013
SBA loans in Barrow County, Georgia
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
SBA approved 97 loans to businesses in Barrow County, Georgia, in FY2021 to FY2025, worth $113M: 81 under 7(a) and 16 under 504.
That is 62.9 approvals per 1,000 business establishments (1,543 establishments in 2023), above the Georgia figure of 39.2 and above the national 41.0.
It ranks 23rd of 149 Georgia counties with approvals. In FY2025 there were 25, up 9% on FY2024.
45 lenders had approvals here; the most active were Georgia's Own Credit Union (6), Wells Fargo Bank National Association (6) and Small Business Access Partners, Inc. (4). The most common industry was general freight trucking.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Barrow County
By number of approvals to businesses in the county, FY2021–FY2025; 45 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia's Own Credit UnionAtlanta, GA | 6 | $15.6M | 6.2% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $120K | 6.2% | |
| 3 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 4 | $11.6M | 4.1% | |
| 4 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 4 | $7.7M | 4.1% | |
| 5 | Florida Business Development CorporationTampa, FL · CDC | 4 | $5.4M | 4.1% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 4 | $1.3M | 4.1% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 4 | $980K | 4.1% | |
| 8 | Metro City BankDoraville, GA | 3 | $10.3M | 3.1% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 3 | $4.6M | 3.1% | |
| 10 | Loyal Trust BankJohns Creek, GA | 3 | $4.1M | 3.1% | |
| 11 | Georgia Certified Development CorporationAtlanta, GA · CDC | 3 | $3.7M | 3.1% | |
| 12 | United Community BankGreenville, SC | 3 | $1.9M | 3.1% | |
| 13 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $670K | 3.1% | |
| 14 | First Bank of the LakeOsage Beach, MO | 3 | $664K | 3.1% | |
| 15 | Northeast BankLewiston, ME | 3 | $544K | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 9 | 9.3% | |
| 2 | Beer, Wine, and Liquor StoresNAICS 4453 | 7 | 7.2% | |
| 3 | Gasoline StationsNAICS 4571 | 6 | 6.2% | |
| 4 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 4.1% | |
| 5 | Traveler AccommodationNAICS 7211 | 3 | 3.1% | |
| 6 | Lessors of Real EstateNAICS 5311 | 3 | 3.1% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 3 | 3.1% | |
| 8 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.1% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 3.1% | |
| 10 | Building Material and Supplies DealersNAICS 4441 | 3 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 22 | 22.7% | |
| 2 | Manufacturing | 11 | 11.3% | |
| 3 | Transportation and Warehousing | 11 | 11.3% | |
| 4 | Construction | 9 | 9.3% | |
| 5 | Accommodation and Food Services | 8 | 8.2% | |
| 6 | Professional, Scientific, and Technical Services | 7 | 7.2% | |
| 7 | Wholesale Trade | 6 | 6.2% | |
| 8 | Other Services (except Public Administration) | 5 | 5.2% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 14 | $5.7M | $304K | 2 | — | 16 | 89 |
| FY2025 | 24 | $16.0M | $250K | 1 | — | 25 | 150 |
| FY2024 | 19 | $27.7M | $1.3M | 4 | $4.8M | 23 | 174 |
| FY2023 | 11 | $6.8M | $400K | 5 | $14.3M | 16 | 175 |
| FY2022 | 14 | $6.4M | $348K | 3 | $4.3M | 17 | 123 |
| FY2021 | 13 | $26.7M | $1.5M | 3 | $1.3M | 16 | 172 |
| FY2020 | 9 | $3.5M | $300K | 0 | — | 9 | 89 |
| FY2019 | 10 | $11.1M | $675K | 0 | — | 10 | 84 |
| FY2018 | 11 | $3.5M | $350K | 2 | — | 13 | 85 |
| FY2017 | 16 | $17.8M | $567K | 2 | — | 18 | 298 |
| FY2016 | 13 | $8.0M | $200K | 1 | — | 14 | 161 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 64 approvals.
Against Georgia and the country
| FY2021–FY2025 | Barrow County | Georgia | United States |
|---|---|---|---|
| Approvals | 97 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 62.9 | 39.2 | 41.0 |
| Median 7(a) approval | $350K | $350K | $190K |
| Median 504 approval | $1.1M | $820K | $657K |
| Average approval | $1.2M | $803K | $573K |
| 504 share of approvals | 16.5% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 8.2 | 11.4 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less9.3%9
- $50,001 to $150,00012.4%12
- $150,001 to $350,00023.7%23
- $350,001 to $1 million20.6%20
- $1 million to $2 million11.3%11
- Over $2 million22.7%22
Age of the businesses
- Existing, more than 2 years old47.4%46
- New business, 2 years or less11.3%11
- Startup, loan funds will open the business24.7%24
- Change of ownership16.5%16
Questions and answers
Which lenders make the most SBA loans in Barrow County?
By approvals in FY2021 to FY2025: Georgia's Own Credit Union (6), Wells Fargo Bank National Association (6), Small Business Access Partners, Inc. (4), Capital Partners Certified Development Company (4), Florida Business Development Corporation (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Barrow County?
The median 7(a) approval was $350K and the median 504 approval $1.1M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Barrow County?
General Freight Trucking (9); Beer, Wine, and Liquor Stores (7); Gasoline Stations (6); Restaurants and Other Eating Places (4); Traveler Accommodation (3).
Is SBA lending in Barrow County rising?
Approvals in the three latest complete fiscal years total 64, against 42 in the three before: rising (+52%).
How does Barrow County compare with the rest of Georgia?
62.9 approvals per 1,000 establishments against 39.2 statewide, and 97 of the state's 10,246 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error