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County45th of 149 in Georgia by approvalsFIPS 13047
SBA loans in Catoosa 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.
Businesses in Catoosa County, Georgia, received 32 SBA loan approvals worth $34.0M in FY2021 to FY2025 (29 7(a), 3 504).
That is 30.7 approvals per 1,000 business establishments (1,044 establishments in 2023), below the Georgia figure of 39.2 and below the national 41.0.
It ranks 45th of 149 Georgia counties with approvals. In FY2025 there were 8.
23 lenders had approvals here; the most active were The Huntington National Bank (4), Builtwell Bank (4) and Northeast Bank (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 Catoosa County
By number of approvals to businesses in the county, FY2021–FY2025; 23 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 4 | $4.0M | 12.5% | |
| 2 | Builtwell BankChattanooga, TN | 4 | $2.5M | 12.5% | |
| 3 | Northeast BankLewiston, ME | 3 | $550K | 9.4% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 2 | — | 6.3% | |
| 5 | First Community BankLexington, SC | 1 | — | 3.1% | |
| 6 | Georgia Certified Development CorporationAtlanta, GA · CDC | 1 | — | 3.1% | |
| 7 | Millennium BankOoltewah, TN | 1 | — | 3.1% | |
| 8 | Beacon Bank and TrustBrookline, MA | 1 | — | 3.1% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 1 | — | 3.1% | |
| 10 | Florida Business Development CorporationTampa, FL · CDC | 1 | — | 3.1% | |
| 11 | First Bank of the LakeOsage Beach, MO | 1 | — | 3.1% | |
| 12 | SouthState Bank, National AssociationWinter Haven, FL | 1 | — | 3.1% | |
| 13 | Newtek Small Business Finance, Inc.Lake Success, NY | 1 | — | 3.1% | |
| 14 | FWBankChicago, IL | 1 | — | 3.1% | |
| 15 | Embassy National BankLawrenceville, GA | 1 | — | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 21.9% | |
| 2 | Miscellaneous Durable Goods Merchant WholesalersNAICS 4239 | 3 | 9.4% | |
| 3 | Support Activities for ForestryNAICS 1153 | 2 | 6.3% | |
| 4 | Grocery StoresNAICS 4451 | 2 | 6.3% | |
| 5 | Gasoline StationsNAICS 4571 | 1 | 3.1% | |
| 6 | Beer, Wine, and Liquor StoresNAICS 4453 | 1 | 3.1% | |
| 7 | Traveler AccommodationNAICS 7211 | 1 | 3.1% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 1 | 3.1% | |
| 9 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 1 | 3.1% | |
| 10 | Audio and Video Equipment ManufacturingNAICS 3343 | 1 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 8 | 25.0% | |
| 2 | Retail Trade | 7 | 21.9% | |
| 3 | Wholesale Trade | 4 | 12.5% | |
| 4 | Professional, Scientific, and Technical Services | 3 | 9.4% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 2 | 6.3% | |
| 6 | Manufacturing | 2 | 6.3% | |
| 7 | Other Services (except Public Administration) | 2 | 6.3% | |
| 8 | Arts, Entertainment, and Recreation | 1 | 3.1% |
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 | $439K | $50K | 0 | — | 3 | 8 |
| FY2025 | 8 | $14.1M | $1.6M | 0 | — | 8 | 275 |
| FY2024 | 8 | $6.2M | $335K | 1 | — | 9 | 159 |
| FY2023 | 2 | — | — | 0 | — | 2 | 33 |
| FY2022 | 7 | $4.0M | $605K | 2 | — | 9 | 127 |
| FY2021 | 4 | $2.6M | $650K | 0 | — | 4 | 33 |
| FY2020 | 3 | $5.2M | $1.4M | 0 | — | 3 | 10 |
| FY2019 | 3 | $2.1M | $261K | 0 | — | 3 | 14 |
| FY2018 | 3 | $2.2M | $215K | 0 | — | 3 | 23 |
| FY2017 | 3 | $1.1M | $290K | 0 | — | 3 | 16 |
| FY2016 | 3 | $365K | $10K | 1 | — | 4 | 26 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 16 approvals.
Against Georgia and the country
| FY2021–FY2025 | Catoosa County | Georgia | United States |
|---|---|---|---|
| Approvals | 32 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 30.7 | 39.2 | 41.0 |
| Median 7(a) approval | $535K | $350K | $190K |
| Median 504 approval | $1.4M | $820K | $657K |
| Average approval | $1.1M | $803K | $573K |
| 504 share of approvals | 9.4% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 19.6 | 11.4 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less12.5%4
- $50,001 to $150,0006.3%2
- $150,001 to $350,00015.6%5
- $350,001 to $1 million37.5%12
- $1 million to $2 million9.4%3
- Over $2 million18.8%6
Age of the businesses
- Existing, more than 2 years old31.3%10
- New business, 2 years or less12.5%4
- Startup, loan funds will open the business43.8%14
- Change of ownership12.5%4
Questions and answers
Which lenders make the most SBA loans in Catoosa County?
By approvals in FY2021 to FY2025: The Huntington National Bank (4), Builtwell Bank (4), Northeast Bank (3), Wells Fargo Bank National Association (2), First Community Bank (1). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Catoosa County?
The median 7(a) approval was $535K and the median 504 approval $1.4M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Catoosa County?
Restaurants and Other Eating Places (7); Miscellaneous Durable Goods Merchant Wholesalers (3); Support Activities for Forestry (2); Grocery Stores (2); Gasoline Stations (1).
Is SBA lending in Catoosa County rising?
Approvals in the three latest complete fiscal years total 19, against 16 in the three before: rising (+19%).
How does Catoosa County compare with the rest of Georgia?
30.7 approvals per 1,000 establishments against 39.2 statewide, and 32 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