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County4th of 149 in Georgia by approvalsFIPS 13089
SBA loans in DeKalb 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 810 loans to businesses in DeKalb County, Georgia, in FY2021 to FY2025, worth $576M: 739 under 7(a) and 71 under 504.
That is 44.4 approvals per 1,000 business establishments (18,258 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 4th of 149 Georgia counties with approvals. In FY2025 there were 190, about level with FY2024.
108 lenders had approvals here; the most active were Wells Fargo Bank National Association (48), The Huntington National Bank (42) and Newtek Bank, National Association (39). 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 DeKalb County
By number of approvals to businesses in the county, FY2021–FY2025; 108 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 48 | $6.4M | 5.9% | |
| 2 | The Huntington National BankColumbus, OH | 42 | $25.0M | 5.2% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 39 | $11.2M | 4.8% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 37 | $23.3M | 4.6% | |
| 5 | United Midwest Savings Bank National AssociationDe Graff, OH | 37 | $8.9M | 4.6% | |
| 6 | Northeast BankLewiston, ME | 34 | $3.9M | 4.2% | |
| 7 | Metro City BankDoraville, GA | 32 | $46.3M | 4.0% | |
| 8 | Celtic Bank CorporationSalt Lake City, UT | 23 | $4.7M | 2.8% | |
| 9 | Florida Business Development CorporationTampa, FL · CDC | 22 | $16.5M | 2.7% | |
| 10 | SouthState Bank, National AssociationWinter Haven, FL | 21 | $12.1M | 2.6% | |
| 11 | BayFirst National BankSaint Petersburg, FL | 20 | $2.5M | 2.5% | |
| 12 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 18 | $24.0M | 2.2% | |
| 13 | Bank of America, National AssociationCharlotte, NC | 18 | $6.4M | 2.2% | |
| 14 | JPMorgan Chase Bank, National AssociationColumbus, OH | 18 | $5.3M | 2.2% | |
| 15 | Georgia Banking CompanyAtlanta, GA | 17 | $19.7M | 2.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 94 | 11.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 33 | 4.1% | |
| 3 | Child Day Care ServicesNAICS 6244 | 30 | 3.7% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 29 | 3.6% | |
| 5 | Beer, Wine, and Liquor StoresNAICS 4453 | 27 | 3.3% | |
| 6 | Personal Care ServicesNAICS 8121 | 27 | 3.3% | |
| 7 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 23 | 2.8% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 20 | 2.5% | |
| 9 | General Freight TruckingNAICS 4841 | 20 | 2.5% | |
| 10 | Legal ServicesNAICS 5411 | 19 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 127 | 15.7% | |
| 2 | Accommodation and Food Services | 119 | 14.7% | |
| 3 | Health Care and Social Assistance | 98 | 12.1% | |
| 4 | Professional, Scientific, and Technical Services | 87 | 10.7% | |
| 5 | Other Services (except Public Administration) | 82 | 10.1% | |
| 6 | Construction | 52 | 6.4% | |
| 7 | Wholesale Trade | 47 | 5.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 46 | 5.7% |
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* | 93 | $74.5M | $325K | 6 | $6.3M | 99 | 1,621 |
| FY2025 | 172 | $84.3M | $225K | 18 | $21.3M | 190 | 1,193 |
| FY2024 | 172 | $87.9M | $200K | 12 | $14.3M | 184 | 2,193 |
| FY2023 | 127 | $90.8M | $400K | 9 | $4.9M | 136 | 1,302 |
| FY2022 | 119 | $92.8M | $350K | 16 | $17.8M | 135 | 1,281 |
| FY2021 | 149 | $148M | $605K | 16 | $14.5M | 165 | 1,553 |
| FY2020 | 105 | $95.8M | $480K | 14 | $6.9M | 119 | 1,113 |
| FY2019 | 135 | $94.7M | $216K | 13 | $11.1M | 148 | 1,622 |
| FY2018 | 156 | $85.3M | $255K | 11 | $15.3M | 167 | 1,388 |
| FY2017 | 179 | $106M | $285K | 10 | $13.2M | 189 | 2,017 |
| FY2016 | 193 | $103M | $250K | 11 | $7.7M | 204 | 2,253 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 827 approvals.
Against Georgia and the country
| FY2021–FY2025 | DeKalb County | Georgia | United States |
|---|---|---|---|
| Approvals | 810 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 44.4 | 39.2 | 41.0 |
| Median 7(a) approval | $330K | $350K | $190K |
| Median 504 approval | $699K | $820K | $657K |
| Average approval | $712K | $803K | $573K |
| 504 share of approvals | 8.8% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 9.3 | 11.4 | 10.5 |
| Share of state approvals | 7.9% | 100.0% | — |
Approval sizes
- $50,000 or less15.4%125
- $50,001 to $150,00018.3%148
- $150,001 to $350,00018.4%149
- $350,001 to $1 million26.9%218
- $1 million to $2 million11.9%96
- Over $2 million9.1%74
Age of the businesses
- Existing, more than 2 years old56.5%458
- New business, 2 years or less14.3%116
- Startup, loan funds will open the business19.9%161
- Change of ownership9.1%74
- Not answered0.1%1
Questions and answers
Which lenders make the most SBA loans in DeKalb County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (48), The Huntington National Bank (42), Newtek Bank, National Association (39), Readycap Lending, LLC (37), United Midwest Savings Bank National Association (37). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in DeKalb County?
The median 7(a) approval was $330K and the median 504 approval $699K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in DeKalb County?
Restaurants and Other Eating Places (94); Automotive Repair and Maintenance (33); Child Day Care Services (30); Offices of Other Health Practitioners (29); Beer, Wine, and Liquor Stores (27).
Is SBA lending in DeKalb County rising?
Approvals in the three latest complete fiscal years total 510, against 419 in the three before: rising (+22%).
How does DeKalb County compare with the rest of Georgia?
44.4 approvals per 1,000 establishments against 39.2 statewide, and 810 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