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County15th of 149 in Georgia by approvalsFIPS 13077
SBA loans in Coweta 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 121 loans to businesses in Coweta County, Georgia, in FY2021 to FY2025, worth $72.0M: 105 under 7(a) and 16 under 504.
That is 40.1 approvals per 1,000 business establishments (3,020 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 15th of 149 Georgia counties with approvals. In FY2025 there were 35, up 13% on FY2024.
43 lenders had approvals here; the most active were The Huntington National Bank (15), Northeast Bank (11) and Newtek Bank, National Association (9). 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 Coweta County
By number of approvals to businesses in the county, FY2021–FY2025; 43 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 15 | $2.9M | 12.4% | |
| 2 | Northeast BankLewiston, ME | 11 | $2.0M | 9.1% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 9 | $6.1M | 7.4% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $1.7M | 5.8% | |
| 5 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 6 | $9.9M | 5.0% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $807K | 5.0% | |
| 7 | Florida Business Development CorporationTampa, FL · CDC | 5 | $6.8M | 4.1% | |
| 8 | United BankZebulon, GA | 5 | $1.7M | 4.1% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $850K | 4.1% | |
| 10 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 4 | $3.2M | 3.3% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 3 | $6.4M | 2.5% | |
| 12 | HomeTrust BankAsheville, NC | 3 | $3.1M | 2.5% | |
| 13 | FirstBankNashville, TN | 3 | $2.5M | 2.5% | |
| 14 | SouthState Bank, National AssociationWinter Haven, FL | 3 | $1.1M | 2.5% | |
| 15 | Newtek Small Business Finance, Inc.Lake Success, NY | 3 | $592K | 2.5% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 22 | 18.2% | |
| 2 | Beer, Wine, and Liquor StoresNAICS 4453 | 7 | 5.8% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 5.8% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 5 | 4.1% | |
| 5 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 4.1% | |
| 6 | Offices of PhysiciansNAICS 6211 | 5 | 4.1% | |
| 7 | Health and Personal Care RetailersNAICS 4561 | 4 | 3.3% | |
| 8 | Clothing and Clothing Accessories RetailersNAICS 4581 | 4 | 3.3% | |
| 9 | Nonresidential Building ConstructionNAICS 2362 | 3 | 2.5% | |
| 10 | Building Finishing ContractorsNAICS 2383 | 3 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 25 | 20.7% | |
| 2 | Retail Trade | 21 | 17.4% | |
| 3 | Health Care and Social Assistance | 14 | 11.6% | |
| 4 | Construction | 13 | 10.7% | |
| 5 | Other Services (except Public Administration) | 12 | 9.9% | |
| 6 | Professional, Scientific, and Technical Services | 8 | 6.6% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 6 | 5.0% | |
| 8 | Arts, Entertainment, and Recreation | 5 | 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* | 7 | $6.8M | $350K | 0 | — | 7 | 67 |
| FY2025 | 33 | $9.0M | $234K | 2 | — | 35 | 307 |
| FY2024 | 29 | $13.8M | $150K | 2 | — | 31 | 455 |
| FY2023 | 20 | $10.6M | $264K | 3 | $6.0M | 23 | 302 |
| FY2022 | 12 | $7.9M | $510K | 4 | $6.1M | 16 | 195 |
| FY2021 | 11 | $9.9M | $275K | 5 | $3.0M | 16 | 206 |
| FY2020 | 9 | $4.7M | $364K | 2 | — | 11 | 92 |
| FY2019 | 16 | $13.5M | $303K | 5 | $4.5M | 21 | 167 |
| FY2018 | 13 | $5.3M | $279K | 4 | $3.3M | 17 | 197 |
| FY2017 | 19 | $12.4M | $350K | 1 | — | 20 | 234 |
| FY2016 | 14 | $9.1M | $278K | 2 | — | 16 | 305 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 85 approvals.
Against Georgia and the country
| FY2021–FY2025 | Coweta County | Georgia | United States |
|---|---|---|---|
| Approvals | 121 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 40.1 | 39.2 | 41.0 |
| Median 7(a) approval | $234K | $350K | $190K |
| Median 504 approval | $1.1M | $820K | $657K |
| Average approval | $595K | $803K | $573K |
| 504 share of approvals | 13.2% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 12.1 | 11.4 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less14.9%18
- $50,001 to $150,00019.8%24
- $150,001 to $350,00026.4%32
- $350,001 to $1 million24.8%30
- $1 million to $2 million6.6%8
- Over $2 million7.4%9
Age of the businesses
- Existing, more than 2 years old39.7%48
- New business, 2 years or less12.4%15
- Startup, loan funds will open the business44.6%54
- Change of ownership3.3%4
Questions and answers
Which lenders make the most SBA loans in Coweta County?
By approvals in FY2021 to FY2025: The Huntington National Bank (15), Northeast Bank (11), Newtek Bank, National Association (9), Readycap Lending, LLC (7), Capital Partners Certified Development Company (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Coweta County?
The median 7(a) approval was $234K and the median 504 approval $1.1M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Coweta County?
Restaurants and Other Eating Places (22); Beer, Wine, and Liquor Stores (7); Automotive Repair and Maintenance (7); Services to Buildings and Dwellings (5); Other Amusement and Recreation Industries (5).
Is SBA lending in Coweta County rising?
Approvals in the three latest complete fiscal years total 89, against 43 in the three before: rising (+107%).
How does Coweta County compare with the rest of Georgia?
40.1 approvals per 1,000 establishments against 39.2 statewide, and 121 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