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County3rd of 149 in Georgia by approvalsFIPS 13067
SBA loans in Cobb 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 Cobb County, Georgia, received 998 SBA loan approvals worth $678M in FY2021 to FY2025 (915 7(a), 83 504).
That is 45.1 approvals per 1,000 business establishments (22,148 establishments in 2023), above the Georgia figure of 39.2 and close to the national 41.0.
It ranks 3rd of 149 Georgia counties with approvals. In FY2025 there were 249, about level with FY2024.
128 lenders had approvals here; the most active were The Huntington National Bank (87), Northeast Bank (53) and Newtek Bank, National Association (51). 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 Cobb County
By number of approvals to businesses in the county, FY2021–FY2025; 128 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 87 | $27.7M | 8.7% | |
| 2 | Northeast BankLewiston, ME | 53 | $7.4M | 5.3% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 51 | $19.3M | 5.1% | |
| 4 | SouthState Bank, National AssociationWinter Haven, FL | 50 | $33.1M | 5.0% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 48 | $15.0M | 4.8% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 46 | $2.1M | 4.6% | |
| 7 | United Midwest Savings Bank National AssociationDe Graff, OH | 32 | $6.5M | 3.2% | |
| 8 | Georgia's Own Credit UnionAtlanta, GA | 31 | $35.7M | 3.1% | |
| 9 | Florida Business Development CorporationTampa, FL · CDC | 28 | $33.0M | 2.8% | |
| 10 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 27 | $29.7M | 2.7% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 26 | $3.6M | 2.6% | |
| 12 | Live Oak Banking CompanyWilmington, NC | 22 | $27.0M | 2.2% | |
| 13 | Celtic Bank CorporationSalt Lake City, UT | 21 | $5.4M | 2.1% | |
| 14 | Citizens BankElizabethton, TN | 19 | $13.3M | 1.9% | |
| 15 | United Community BankGreenville, SC | 18 | $12.8M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 101 | 10.1% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 43 | 4.3% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 41 | 4.1% | |
| 4 | Personal Care ServicesNAICS 8121 | 34 | 3.4% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 33 | 3.3% | |
| 6 | Other Personal ServicesNAICS 8129 | 32 | 3.2% | |
| 7 | Other Amusement and Recreation IndustriesNAICS 7139 | 30 | 3.0% | |
| 8 | Child Day Care ServicesNAICS 6244 | 29 | 2.9% | |
| 9 | Offices of DentistsNAICS 6212 | 21 | 2.1% | |
| 10 | Other Professional, Scientific, and Technical ServicesNAICS 5419 | 21 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 133 | 13.3% | |
| 2 | Accommodation and Food Services | 126 | 12.6% | |
| 3 | Other Services (except Public Administration) | 126 | 12.6% | |
| 4 | Retail Trade | 124 | 12.4% | |
| 5 | Professional, Scientific, and Technical Services | 115 | 11.5% | |
| 6 | Construction | 84 | 8.4% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 67 | 6.7% | |
| 8 | Manufacturing | 43 | 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* | 104 | $76.9M | $229K | 10 | $13.8M | 114 | 1,379 |
| FY2025 | 242 | $143M | $300K | 7 | $13.5M | 249 | 2,341 |
| FY2024 | 211 | $119M | $250K | 21 | $31.0M | 232 | 2,576 |
| FY2023 | 171 | $112M | $305K | 18 | $13.1M | 189 | 2,000 |
| FY2022 | 120 | $93.1M | $350K | 15 | $15.7M | 135 | 1,671 |
| FY2021 | 171 | $124M | $395K | 22 | $13.3M | 193 | 2,143 |
| FY2020 | 131 | $97.7M | $304K | 10 | $8.2M | 141 | 1,716 |
| FY2019 | 162 | $112M | $294K | 15 | $17.4M | 177 | 2,145 |
| FY2018 | 195 | $128M | $290K | 12 | $10.8M | 207 | 2,169 |
| FY2017 | 152 | $91.8M | $313K | 14 | $5.3M | 166 | 1,707 |
| FY2016 | 190 | $101M | $200K | 12 | $6.7M | 202 | 2,388 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 893 approvals.
Against Georgia and the country
| FY2021–FY2025 | Cobb County | Georgia | United States |
|---|---|---|---|
| Approvals | 998 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 45.1 | 39.2 | 41.0 |
| Median 7(a) approval | $326K | $350K | $190K |
| Median 504 approval | $650K | $820K | $657K |
| Average approval | $679K | $803K | $573K |
| 504 share of approvals | 8.3% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 10.8 | 11.4 | 10.5 |
| Share of state approvals | 9.7% | 100.0% | — |
Approval sizes
- $50,000 or less13.5%135
- $50,001 to $150,00018.8%188
- $150,001 to $350,00020.3%203
- $350,001 to $1 million29.4%293
- $1 million to $2 million9.0%90
- Over $2 million8.9%89
Age of the businesses
- Existing, more than 2 years old50.7%506
- New business, 2 years or less14.6%146
- Startup, loan funds will open the business25.7%256
- Change of ownership8.8%88
- Not answered0.2%2
Questions and answers
Which lenders make the most SBA loans in Cobb County?
By approvals in FY2021 to FY2025: The Huntington National Bank (87), Northeast Bank (53), Newtek Bank, National Association (51), SouthState Bank, National Association (50), Readycap Lending, LLC (48). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Cobb County?
The median 7(a) approval was $326K and the median 504 approval $650K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Cobb County?
Restaurants and Other Eating Places (101); Services to Buildings and Dwellings (43); Offices of Other Health Practitioners (41); Personal Care Services (34); Automotive Repair and Maintenance (33).
Is SBA lending in Cobb County rising?
Approvals in the three latest complete fiscal years total 670, against 469 in the three before: rising (+43%).
How does Cobb County compare with the rest of Georgia?
45.1 approvals per 1,000 establishments against 39.2 statewide, and 998 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