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County40th of 149 in Georgia by approvalsFIPS 13085
SBA loans in Dawson 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 Dawson County, Georgia, received 37 SBA loan approvals worth $27.4M in FY2021 to FY2025 (31 7(a), 6 504).
That is 40.2 approvals per 1,000 business establishments (921 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 40th of 149 Georgia counties with approvals. In FY2025 there were 9, down 18% on FY2024.
25 lenders had approvals here; the most active were The Huntington National Bank (6), Northeast Bank (3) and United Community Bank (2). 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 Dawson County
By number of approvals to businesses in the county, FY2021–FY2025; 25 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 6 | $1.5M | 16.2% | |
| 2 | Northeast BankLewiston, ME | 3 | $242K | 8.1% | |
| 3 | United Community BankGreenville, SC | 2 | — | 5.4% | |
| 4 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 2 | — | 5.4% | |
| 5 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 2 | — | 5.4% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 2 | — | 5.4% | |
| 7 | Loyal Trust BankJohns Creek, GA | 2 | — | 5.4% | |
| 8 | Florida Business Development CorporationTampa, FL · CDC | 1 | — | 2.7% | |
| 9 | Metro City BankDoraville, GA | 1 | — | 2.7% | |
| 10 | North State BankRaleigh, NC | 1 | — | 2.7% | |
| 11 | Regions BankBirmingham, AL | 1 | — | 2.7% | |
| 12 | The Bancorp Bank National AssociationSioux Falls, SD | 1 | — | 2.7% | |
| 13 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 1 | — | 2.7% | |
| 14 | Pinnacle BankNashville, TN | 1 | — | 2.7% | |
| 15 | Paragon BankMemphis, TN | 1 | — | 2.7% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 24.3% | |
| 2 | Poultry and Egg ProductionNAICS 1123 | 3 | 8.1% | |
| 3 | Drycleaning and Laundry ServicesNAICS 8123 | 2 | 5.4% | |
| 4 | Employment ServicesNAICS 5613 | 2 | 5.4% | |
| 5 | Clothing and Clothing Accessories RetailersNAICS 4581 | 2 | 5.4% | |
| 6 | Traveler AccommodationNAICS 7211 | 1 | 2.7% | |
| 7 | Remediation and Other Waste Management ServicesNAICS 5629 | 1 | 2.7% | |
| 8 | Other Schools and InstructionNAICS 6116 | 1 | 2.7% | |
| 9 | Motor Vehicle Parts ManufacturingNAICS 3363 | 1 | 2.7% | |
| 10 | Individual and Family ServicesNAICS 6241 | 1 | 2.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 10 | 27.0% | |
| 2 | Other Services (except Public Administration) | 6 | 16.2% | |
| 3 | Administrative and Support and Waste Management and Remediation Services | 5 | 13.5% | |
| 4 | Manufacturing | 4 | 10.8% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 3 | 8.1% | |
| 6 | Educational Services | 2 | 5.4% | |
| 7 | Health Care and Social Assistance | 2 | 5.4% | |
| 8 | Retail Trade | 2 | 5.4% |
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* | 1 | — | — | 0 | — | 1 | 0 |
| FY2025 | 9 | $3.1M | $205K | 0 | — | 9 | 57 |
| FY2024 | 9 | $3.2M | $450K | 2 | — | 11 | 113 |
| FY2023 | 6 | $3.6M | $426K | 1 | — | 7 | 51 |
| FY2022 | 4 | $4.7M | $1.1M | 3 | $5.9M | 7 | 78 |
| FY2021 | 3 | $3.3M | $500K | 0 | — | 3 | 31 |
| FY2020 | 8 | $4.9M | $403K | 0 | — | 8 | 63 |
| FY2019 | 2 | — | — | 0 | — | 2 | 13 |
| FY2018 | 7 | $13.4M | $2.1M | 0 | — | 7 | 36 |
| FY2017 | 10 | $12.1M | $943K | 1 | — | 11 | 155 |
| FY2016 | 7 | $4.0M | $529K | 1 | — | 8 | 21 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 36 approvals.
Against Georgia and the country
| FY2021–FY2025 | Dawson County | Georgia | United States |
|---|---|---|---|
| Approvals | 37 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 40.2 | 39.2 | 41.0 |
| Median 7(a) approval | $422K | $350K | $190K |
| Median 504 approval | $1.1M | $820K | $657K |
| Average approval | $742K | $803K | $573K |
| 504 share of approvals | 16.2% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 8.9 | 11.4 | 10.5 |
| Share of state approvals | 0.4% | 100.0% | — |
Approval sizes
- $50,000 or less16.2%6
- $50,001 to $150,00016.2%6
- $150,001 to $350,0002.7%1
- $350,001 to $1 million40.5%15
- $1 million to $2 million13.5%5
- Over $2 million10.8%4
Age of the businesses
- Existing, more than 2 years old35.1%13
- New business, 2 years or less16.2%6
- Startup, loan funds will open the business32.4%12
- Change of ownership16.2%6
Questions and answers
Which lenders make the most SBA loans in Dawson County?
By approvals in FY2021 to FY2025: The Huntington National Bank (6), Northeast Bank (3), United Community Bank (2), Small Business Access Partners, Inc. (2), Florida First Capital Finance Corporation, Inc. (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Dawson County?
The median 7(a) approval was $422K and the median 504 approval $1.1M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Dawson County?
Restaurants and Other Eating Places (9); Poultry and Egg Production (3); Drycleaning and Laundry Services (2); Employment Services (2); Clothing and Clothing Accessories Retailers (2).
Is SBA lending in Dawson County rising?
Approvals in the three latest complete fiscal years total 27, against 18 in the three before: rising (+50%).
How does Dawson County compare with the rest of Georgia?
40.2 approvals per 1,000 establishments against 39.2 statewide, and 37 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