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County16th of 149 in Georgia by approvalsFIPS 13015
SBA loans in Bartow 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 117 loans to businesses in Bartow County, Georgia, in FY2021 to FY2025, worth $115M: 98 under 7(a) and 19 under 504.
That is 48.0 approvals per 1,000 business establishments (2,439 establishments in 2023), above the Georgia figure of 39.2 and above the national 41.0.
It ranks 16th of 149 Georgia counties with approvals. In FY2025 there were 23, about level with FY2024.
41 lenders had approvals here; the most active were LGE Community CU (17), Florida Business Development Corporation (11) and FirstBank (9). The most common industry was restaurants and other eating places.
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 Bartow County
By number of approvals to businesses in the county, FY2021–FY2025; 41 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | LGE Community CUAtlanta, GA | 17 | $14.4M | 14.5% | |
| 2 | Florida Business Development CorporationTampa, FL · CDC | 11 | $7.2M | 9.4% | |
| 3 | FirstBankNashville, TN | 9 | $3.8M | 7.7% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 9 | $173K | 7.7% | |
| 5 | United Community BankGreenville, SC | 7 | $5.7M | 6.0% | |
| 6 | The Huntington National BankColumbus, OH | 5 | $5.9M | 4.3% | |
| 7 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 4 | $9.7M | 3.4% | |
| 8 | Community Bank of Pickens CountyJasper, GA | 4 | $4.1M | 3.4% | |
| 9 | Metro City BankDoraville, GA | 3 | $7.9M | 2.6% | |
| 10 | Bank OZKLittle Rock, AR | 3 | $3.1M | 2.6% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 3 | $1.9M | 2.6% | |
| 12 | Citizens BankElizabethton, TN | 2 | — | 1.7% | |
| 13 | Commonwealth Business BankLos Angeles, CA | 2 | — | 1.7% | |
| 14 | Millennium BankOoltewah, TN | 2 | — | 1.7% | |
| 15 | Colony BankFitzgerald, GA | 2 | — | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 11.1% | |
| 2 | Remediation and Other Waste Management ServicesNAICS 5629 | 7 | 6.0% | |
| 3 | Traveler AccommodationNAICS 7211 | 6 | 5.1% | |
| 4 | Other Specialty Trade ContractorsNAICS 2389 | 6 | 5.1% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 4 | 3.4% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 4 | 3.4% | |
| 7 | Gasoline StationsNAICS 4571 | 3 | 2.6% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 2.6% | |
| 9 | Other General Purpose Machinery ManufacturingNAICS 3339 | 3 | 2.6% | |
| 10 | Waste Treatment and DisposalNAICS 5622 | 3 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 23 | 19.7% | |
| 2 | Accommodation and Food Services | 20 | 17.1% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 15 | 12.8% | |
| 4 | Construction | 15 | 12.8% | |
| 5 | Manufacturing | 13 | 11.1% | |
| 6 | Health Care and Social Assistance | 8 | 6.8% | |
| 7 | Other Services (except Public Administration) | 5 | 4.3% | |
| 8 | Professional, Scientific, and Technical Services | 5 | 4.3% |
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* | 6 | $2.5M | $126K | 2 | — | 8 | 90 |
| FY2025 | 18 | $20.4M | $461K | 5 | $8.0M | 23 | 213 |
| FY2024 | 21 | $16.0M | $359K | 2 | — | 23 | 182 |
| FY2023 | 20 | $10.7M | $350K | 4 | $1.7M | 24 | 191 |
| FY2022 | 13 | $17.8M | $878K | 3 | $2.4M | 16 | 164 |
| FY2021 | 26 | $27.2M | $708K | 5 | $7.0M | 31 | 298 |
| FY2020 | 9 | $11.6M | $709K | 4 | $960K | 13 | 185 |
| FY2019 | 17 | $10.0M | $215K | 2 | — | 19 | 167 |
| FY2018 | 16 | $16.4M | $760K | 1 | — | 17 | 143 |
| FY2017 | 23 | $26.5M | $550K | 1 | — | 24 | 294 |
| FY2016 | 19 | $12.5M | $462K | 4 | $6.5M | 23 | 311 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 96 approvals.
Against Georgia and the country
| FY2021–FY2025 | Bartow County | Georgia | United States |
|---|---|---|---|
| Approvals | 117 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 48.0 | 39.2 | 41.0 |
| Median 7(a) approval | $551K | $350K | $190K |
| Median 504 approval | $635K | $820K | $657K |
| Average approval | $982K | $803K | $573K |
| 504 share of approvals | 16.2% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 11.4 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less10.3%12
- $50,001 to $150,00011.1%13
- $150,001 to $350,00015.4%18
- $350,001 to $1 million35.0%41
- $1 million to $2 million13.7%16
- Over $2 million14.5%17
Age of the businesses
- Existing, more than 2 years old53.0%62
- New business, 2 years or less20.5%24
- Startup, loan funds will open the business16.2%19
- Change of ownership10.3%12
Questions and answers
Which lenders make the most SBA loans in Bartow County?
By approvals in FY2021 to FY2025: LGE Community CU (17), Florida Business Development Corporation (11), FirstBank (9), Wells Fargo Bank National Association (9), United Community Bank (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bartow County?
The median 7(a) approval was $551K and the median 504 approval $635K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Bartow County?
Restaurants and Other Eating Places (13); Remediation and Other Waste Management Services (7); Traveler Accommodation (6); Other Specialty Trade Contractors (6); Beer, Wine, and Liquor Stores (4).
Is SBA lending in Bartow County rising?
Approvals in the three latest complete fiscal years total 70, against 60 in the three before: rising (+17%).
How does Bartow County compare with the rest of Georgia?
48.0 approvals per 1,000 establishments against 39.2 statewide, and 117 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