States › Georgia › Bulloch County
County37th of 149 in Georgia by approvalsFIPS 13031
SBA loans in Bulloch 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 49 loans to businesses in Bulloch County, Georgia, in FY2021 to FY2025, worth $30.7M: 38 under 7(a) and 11 under 504.
That is 28.8 approvals per 1,000 business establishments (1,704 establishments in 2023), below the Georgia figure of 39.2 and below the national 41.0.
It ranks 37th of 149 Georgia counties with approvals. In FY2025 there were 6, down 62% on FY2024.
24 lenders had approvals here; the most active were Florida Business Development Corporation (8), Pineland Bank (5) and Live Oak Banking Company (3). 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 Bulloch County
By number of approvals to businesses in the county, FY2021–FY2025; 24 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida Business Development CorporationTampa, FL · CDC | 8 | $3.0M | 16.3% | |
| 2 | Pineland BankAlma, GA | 5 | $8.0M | 10.2% | |
| 3 | Live Oak Banking CompanyWilmington, NC | 3 | $2.1M | 6.1% | |
| 4 | Queensborough National Bank and Trust CompanyLouisville, GA | 3 | $1.9M | 6.1% | |
| 5 | The Huntington National BankColumbus, OH | 3 | $1.6M | 6.1% | |
| 6 | Northeast BankLewiston, ME | 3 | $150K | 6.1% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 3 | $50K | 6.1% | |
| 8 | CSRA Local Development CorporationAugusta, GA · CDC | 2 | — | 4.1% | |
| 9 | First Bank of the LakeOsage Beach, MO | 2 | — | 4.1% | |
| 10 | Renasant BankTupelo, MS | 2 | — | 4.1% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 2 | — | 4.1% | |
| 12 | Ameris BankAtlanta, GA | 1 | — | 2.0% | |
| 13 | Pinnacle BankNashville, TN | 1 | — | 2.0% | |
| 14 | Colony BankFitzgerald, GA | 1 | — | 2.0% | |
| 15 | Truliant FCUWinston-Salem, NC | 1 | — | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 20.4% | |
| 2 | Residential Building ConstructionNAICS 2361 | 4 | 8.2% | |
| 3 | Other Motor Vehicle DealersNAICS 4412 | 3 | 6.1% | |
| 4 | Other Schools and InstructionNAICS 6116 | 3 | 6.1% | |
| 5 | General Freight TruckingNAICS 4841 | 3 | 6.1% | |
| 6 | Other Specialty Trade ContractorsNAICS 2389 | 2 | 4.1% | |
| 7 | Traveler AccommodationNAICS 7211 | 2 | 4.1% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 2 | 4.1% | |
| 9 | Beer, Wine, and Distilled Alcoholic Beverage Merchant WholesalersNAICS 4248 | 1 | 2.0% | |
| 10 | Gasoline StationsNAICS 4471 | 1 | 2.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 12 | 24.5% | |
| 2 | Retail Trade | 8 | 16.3% | |
| 3 | Construction | 7 | 14.3% | |
| 4 | Transportation and Warehousing | 4 | 8.2% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 3 | 6.1% | |
| 6 | Health Care and Social Assistance | 3 | 6.1% | |
| 7 | Educational Services | 3 | 6.1% | |
| 8 | Other Services (except Public Administration) | 3 | 6.1% |
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* | 3 | $480K | $193K | 0 | — | 3 | 25 |
| FY2025 | 5 | $1.5M | $150K | 1 | — | 6 | 58 |
| FY2024 | 15 | $12.1M | $568K | 1 | — | 16 | 168 |
| FY2023 | 8 | $3.5M | $190K | 2 | — | 10 | 126 |
| FY2022 | 3 | $1.5M | $510K | 3 | $1.3M | 6 | 66 |
| FY2021 | 7 | $6.7M | $930K | 4 | $2.5M | 11 | 132 |
| FY2020 | 3 | $695K | $250K | 3 | $1.1M | 6 | 59 |
| FY2019 | 3 | $679K | $154K | 2 | — | 5 | 19 |
| FY2018 | 9 | $4.8M | $250K | 1 | — | 10 | 78 |
| FY2017 | 7 | $1.7M | $300K | 0 | — | 7 | 43 |
| FY2016 | 19 | $14.9M | $435K | 4 | $2.6M | 23 | 201 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 51 approvals.
Against Georgia and the country
| FY2021–FY2025 | Bulloch County | Georgia | United States |
|---|---|---|---|
| Approvals | 49 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 28.8 | 39.2 | 41.0 |
| Median 7(a) approval | $505K | $350K | $190K |
| Median 504 approval | $291K | $820K | $657K |
| Average approval | $627K | $803K | $573K |
| 504 share of approvals | 22.4% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 11.2 | 11.4 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less16.3%8
- $50,001 to $150,00016.3%8
- $150,001 to $350,00014.3%7
- $350,001 to $1 million32.7%16
- $1 million to $2 million18.4%9
- Over $2 million2.0%1
Age of the businesses
- Existing, more than 2 years old55.1%27
- New business, 2 years or less10.2%5
- Startup, loan funds will open the business26.5%13
- Change of ownership8.2%4
Questions and answers
Which lenders make the most SBA loans in Bulloch County?
By approvals in FY2021 to FY2025: Florida Business Development Corporation (8), Pineland Bank (5), Live Oak Banking Company (3), Queensborough National Bank and Trust Company (3), The Huntington National Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Bulloch County?
The median 7(a) approval was $505K and the median 504 approval $291K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Bulloch County?
Restaurants and Other Eating Places (10); Residential Building Construction (4); Other Motor Vehicle Dealers (3); Other Schools and Instruction (3); General Freight Trucking (3).
Is SBA lending in Bulloch County rising?
Approvals in the three latest complete fiscal years total 32, against 23 in the three before: rising (+39%).
How does Bulloch County compare with the rest of Georgia?
28.8 approvals per 1,000 establishments against 39.2 statewide, and 49 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