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County17th of 149 in Georgia by approvalsFIPS 13021
SBA loans in Bibb 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 114 loans to businesses in Bibb County, Georgia, in FY2021 to FY2025, worth $111M: 95 under 7(a) and 19 under 504.
That is 27.5 approvals per 1,000 business establishments (4,147 establishments in 2023), below the Georgia figure of 39.2 and below the national 41.0.
It ranks 17th of 149 Georgia counties with approvals. In FY2025 there were 21, down 30% on FY2024.
48 lenders had approvals here; the most active were Metro City Bank (13), Readycap Lending, LLC (10) and Florida Business Development Corporation (8). 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 Bibb County
By number of approvals to businesses in the county, FY2021–FY2025; 48 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Metro City BankDoraville, GA | 13 | $22.6M | 11.4% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 10 | $2.3M | 8.8% | |
| 3 | Florida Business Development CorporationTampa, FL · CDC | 8 | $14.9M | 7.0% | |
| 4 | The Huntington National BankColumbus, OH | 8 | $6.0M | 7.0% | |
| 5 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 7 | $5.6M | 6.1% | |
| 6 | Northeast BankLewiston, ME | 7 | $607K | 6.1% | |
| 7 | Newtek Small Business Finance, Inc.Lake Success, NY | 6 | $1.6M | 5.3% | |
| 8 | Pinnacle BankNashville, TN | 3 | $4.1M | 2.6% | |
| 9 | Embassy National BankLawrenceville, GA | 3 | $3.6M | 2.6% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 3 | $1.8M | 2.6% | |
| 11 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $65K | 2.6% | |
| 12 | GBankLas Vegas, NV | 2 | — | 1.8% | |
| 13 | Planters First BankCordele, GA | 2 | — | 1.8% | |
| 14 | Georgia Certified Development CorporationAtlanta, GA · CDC | 2 | — | 1.8% | |
| 15 | Renasant BankTupelo, MS | 2 | — | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 11.4% | |
| 2 | Traveler AccommodationNAICS 7211 | 12 | 10.5% | |
| 3 | Beer, Wine, and Liquor StoresNAICS 4453 | 5 | 4.4% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 3.5% | |
| 5 | Offices of DentistsNAICS 6212 | 4 | 3.5% | |
| 6 | Gasoline StationsNAICS 4471 | 3 | 2.6% | |
| 7 | General Freight TruckingNAICS 4841 | 3 | 2.6% | |
| 8 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 3 | 2.6% | |
| 9 | Personal Care ServicesNAICS 8121 | 3 | 2.6% | |
| 10 | Bakeries and Tortilla ManufacturingNAICS 3118 | 3 | 2.6% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 27 | 23.7% | |
| 2 | Retail Trade | 19 | 16.7% | |
| 3 | Manufacturing | 12 | 10.5% | |
| 4 | Health Care and Social Assistance | 10 | 8.8% | |
| 5 | Other Services (except Public Administration) | 9 | 7.9% | |
| 6 | Professional, Scientific, and Technical Services | 9 | 7.9% | |
| 7 | Construction | 6 | 5.3% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 5 | 4.4% |
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* | 4 | $3.1M | $202K | 0 | — | 4 | 28 |
| FY2025 | 19 | $7.5M | $350K | 2 | — | 21 | 225 |
| FY2024 | 24 | $27.5M | $250K | 6 | $12.4M | 30 | 226 |
| FY2023 | 12 | $4.4M | $280K | 3 | $5.1M | 15 | 151 |
| FY2022 | 18 | $16.2M | $362K | 5 | $7.3M | 23 | 270 |
| FY2021 | 22 | $29.0M | $956K | 3 | $1.3M | 25 | 187 |
| FY2020 | 17 | $18.1M | $778K | 6 | $3.2M | 23 | 443 |
| FY2019 | 20 | $24.7M | $792K | 3 | $1.3M | 23 | 259 |
| FY2018 | 25 | $21.3M | $375K | 3 | $1.9M | 28 | 315 |
| FY2017 | 16 | $13.9M | $377K | 0 | — | 16 | 252 |
| FY2016 | 14 | $8.7M | $240K | 1 | — | 15 | 108 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 105 approvals.
Against Georgia and the country
| FY2021–FY2025 | Bibb County | Georgia | United States |
|---|---|---|---|
| Approvals | 114 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 27.5 | 39.2 | 41.0 |
| Median 7(a) approval | $376K | $350K | $190K |
| Median 504 approval | $1.2M | $820K | $657K |
| Average approval | $976K | $803K | $573K |
| 504 share of approvals | 16.7% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 9.3 | 11.4 | 10.5 |
| Share of state approvals | 1.1% | 100.0% | — |
Approval sizes
- $50,000 or less14.0%16
- $50,001 to $150,00014.0%16
- $150,001 to $350,00015.8%18
- $350,001 to $1 million24.6%28
- $1 million to $2 million14.0%16
- Over $2 million17.5%20
Age of the businesses
- Existing, more than 2 years old42.1%48
- New business, 2 years or less14.9%17
- Startup, loan funds will open the business28.1%32
- Change of ownership14.9%17
Questions and answers
Which lenders make the most SBA loans in Bibb County?
By approvals in FY2021 to FY2025: Metro City Bank (13), Readycap Lending, LLC (10), Florida Business Development Corporation (8), The Huntington National Bank (8), Capital Partners Certified Development Company (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bibb County?
The median 7(a) approval was $376K and the median 504 approval $1.2M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Bibb County?
Restaurants and Other Eating Places (13); Traveler Accommodation (12); Beer, Wine, and Liquor Stores (5); Other Amusement and Recreation Industries (4); Offices of Dentists (4).
Is SBA lending in Bibb County rising?
Approvals in the three latest complete fiscal years total 66, against 71 in the three before: broadly level (-7%).
How does Bibb County compare with the rest of Georgia?
27.5 approvals per 1,000 establishments against 39.2 statewide, and 114 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