States › Georgia › Clayton County
County11th of 149 in Georgia by approvalsFIPS 13063
SBA loans in Clayton 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 Clayton County, Georgia, received 172 SBA loan approvals worth $148M in FY2021 to FY2025 (157 7(a), 15 504).
That is 41.8 approvals per 1,000 business establishments (4,115 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 11th of 149 Georgia counties with approvals. In FY2025 there were 44, up 13% on FY2024.
55 lenders had approvals here; the most active were Wells Fargo Bank National Association (14), Metro City Bank (11) and Newtek Bank, National Association (10). The most common industry was child day care services.
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 Clayton County
By number of approvals to businesses in the county, FY2021–FY2025; 55 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 14 | $195K | 8.1% | |
| 2 | Metro City BankDoraville, GA | 11 | $27.6M | 6.4% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 10 | $9.4M | 5.8% | |
| 4 | Northeast BankLewiston, ME | 10 | $1.4M | 5.8% | |
| 5 | Harvest Small Business Finance, LLCLaguna Hills, CA | 9 | $5.3M | 5.2% | |
| 6 | Readycap Lending, LLCBerkeley Heights, NJ | 9 | $2.2M | 5.2% | |
| 7 | Renasant BankTupelo, MS | 8 | $11.8M | 4.7% | |
| 8 | Celtic Bank CorporationSalt Lake City, UT | 7 | $1.9M | 4.1% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 7 | $1.4M | 4.1% | |
| 10 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $750K | 2.9% | |
| 11 | The Huntington National BankColumbus, OH | 4 | $2.8M | 2.3% | |
| 12 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 4 | $2.2M | 2.3% | |
| 13 | Georgia Certified Development CorporationAtlanta, GA · CDC | 3 | $5.4M | 1.7% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 3 | $5.2M | 1.7% | |
| 15 | HomeTrust BankAsheville, NC | 3 | $4.2M | 1.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Child Day Care ServicesNAICS 6244 | 16 | 9.3% | |
| 2 | Traveler AccommodationNAICS 7211 | 11 | 6.4% | |
| 3 | Restaurants and Other Eating PlacesNAICS 7225 | 10 | 5.8% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 9 | 5.2% | |
| 5 | General Freight TruckingNAICS 4841 | 8 | 4.7% | |
| 6 | Gasoline StationsNAICS 4471 | 7 | 4.1% | |
| 7 | Offices of PhysiciansNAICS 6211 | 7 | 4.1% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 7 | 4.1% | |
| 9 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 7 | 4.1% | |
| 10 | Beer, Wine, and Liquor StoresNAICS 4453 | 6 | 3.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 37 | 21.5% | |
| 2 | Retail Trade | 25 | 14.5% | |
| 3 | Accommodation and Food Services | 21 | 12.2% | |
| 4 | Professional, Scientific, and Technical Services | 18 | 10.5% | |
| 5 | Other Services (except Public Administration) | 17 | 9.9% | |
| 6 | Construction | 13 | 7.6% | |
| 7 | Transportation and Warehousing | 13 | 7.6% | |
| 8 | Manufacturing | 7 | 4.1% |
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* | 27 | $16.4M | $352K | 1 | — | 28 | 308 |
| FY2025 | 42 | $19.9M | $300K | 2 | — | 44 | 513 |
| FY2024 | 33 | $23.2M | $350K | 6 | $7.8M | 39 | 304 |
| FY2023 | 32 | $47.5M | $783K | 5 | $3.5M | 37 | 718 |
| FY2022 | 19 | $7.8M | $280K | 0 | — | 19 | 145 |
| FY2021 | 31 | $30.6M | $653K | 2 | — | 33 | 284 |
| FY2020 | 16 | $20.3M | $1.0M | 3 | $2.2M | 19 | 203 |
| FY2019 | 30 | $29.7M | $453K | 2 | — | 32 | 519 |
| FY2018 | 35 | $37.1M | $524K | 1 | — | 36 | 738 |
| FY2017 | 23 | $17.4M | $400K | 2 | — | 25 | 325 |
| FY2016 | 28 | $18.2M | $332K | 2 | — | 30 | 290 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 142 approvals.
Against Georgia and the country
| FY2021–FY2025 | Clayton County | Georgia | United States |
|---|---|---|---|
| Approvals | 172 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 41.8 | 39.2 | 41.0 |
| Median 7(a) approval | $330K | $350K | $190K |
| Median 504 approval | $950K | $820K | $657K |
| Average approval | $862K | $803K | $573K |
| 504 share of approvals | 8.7% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 11.4 | 11.4 | 10.5 |
| Share of state approvals | 1.7% | 100.0% | — |
Approval sizes
- $50,000 or less19.2%33
- $50,001 to $150,00015.7%27
- $150,001 to $350,00015.7%27
- $350,001 to $1 million22.7%39
- $1 million to $2 million14.0%24
- Over $2 million12.8%22
Age of the businesses
- Existing, more than 2 years old52.9%91
- New business, 2 years or less20.3%35
- Startup, loan funds will open the business15.7%27
- Change of ownership10.5%18
- Not answered0.6%1
Questions and answers
Which lenders make the most SBA loans in Clayton County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (14), Metro City Bank (11), Newtek Bank, National Association (10), Northeast Bank (10), Harvest Small Business Finance, LLC (9). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Clayton County?
The median 7(a) approval was $330K and the median 504 approval $950K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Clayton County?
Child Day Care Services (16); Traveler Accommodation (11); Restaurants and Other Eating Places (10); Automotive Repair and Maintenance (9); General Freight Trucking (8).
Is SBA lending in Clayton County rising?
Approvals in the three latest complete fiscal years total 120, against 71 in the three before: rising (+69%).
How does Clayton County compare with the rest of Georgia?
41.8 approvals per 1,000 establishments against 39.2 statewide, and 172 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