States › Georgia › Dougherty County
County44th of 149 in Georgia by approvalsFIPS 13095
SBA loans in Dougherty 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 32 loans to businesses in Dougherty County, Georgia, in FY2021 to FY2025, worth $34.5M: 31 under 7(a) and 1 under 504.
That is 14.4 approvals per 1,000 business establishments (2,220 establishments in 2023), below the Georgia figure of 39.2 and below the national 41.0.
It ranks 44th of 149 Georgia counties with approvals. In FY2025 there were 3, down 73% on FY2024.
20 lenders had approvals here; the most active were Metro City Bank (4), Flint Community Bank (4) and The Bank of Edison (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 Dougherty County
By number of approvals to businesses in the county, FY2021–FY2025; 20 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Metro City BankDoraville, GA | 4 | $11.5M | 12.5% | |
| 2 | Flint Community BankAlbany, GA | 4 | $2.6M | 12.5% | |
| 3 | The Bank of EdisonEdison, GA | 2 | — | 6.3% | |
| 4 | United BankFairfax, VA | 2 | — | 6.3% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 2 | — | 6.3% | |
| 6 | PromiseOne BankDuluth, GA | 2 | — | 6.3% | |
| 7 | The Huntington National BankColumbus, OH | 2 | — | 6.3% | |
| 8 | Northeast BankLewiston, ME | 2 | — | 6.3% | |
| 9 | Pinnacle BankNashville, TN | 1 | — | 3.1% | |
| 10 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 1 | — | 3.1% | |
| 11 | TowneBankPortsmouth, VA | 1 | — | 3.1% | |
| 12 | ConnectOne BankEnglewood Cliffs, NJ | 1 | — | 3.1% | |
| 13 | Renasant BankTupelo, MS | 1 | — | 3.1% | |
| 14 | Commonwealth Business BankLos Angeles, CA | 1 | — | 3.1% | |
| 15 | Newtek Bank, National AssociationMiami, FL | 1 | — | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 7 | 21.9% | |
| 2 | Beer, Wine, and Liquor StoresNAICS 4453 | 5 | 15.6% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 9.4% | |
| 4 | Offices of PhysiciansNAICS 6211 | 2 | 6.3% | |
| 5 | Grocery StoresNAICS 4451 | 1 | 3.1% | |
| 6 | Lessors of Real EstateNAICS 5311 | 1 | 3.1% | |
| 7 | Poultry and Egg ProductionNAICS 1123 | 1 | 3.1% | |
| 8 | Building Material and Supplies DealersNAICS 4441 | 1 | 3.1% | |
| 9 | Other Schools and InstructionNAICS 6116 | 1 | 3.1% | |
| 10 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 1 | 3.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 34.4% | |
| 2 | Accommodation and Food Services | 11 | 34.4% | |
| 3 | Health Care and Social Assistance | 2 | 6.3% | |
| 4 | Real Estate and Rental and Leasing | 1 | 3.1% | |
| 5 | Agriculture, Forestry, Fishing and Hunting | 1 | 3.1% | |
| 6 | Educational Services | 1 | 3.1% | |
| 7 | Finance and Insurance | 1 | 3.1% | |
| 8 | Professional, Scientific, and Technical Services | 1 | 3.1% |
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* | 3 | $1.4M | $150K | 1 | — | 4 | 54 |
| FY2025 | 3 | $3.4M | $980K | 0 | — | 3 | 54 |
| FY2024 | 10 | $7.4M | $298K | 1 | — | 11 | 102 |
| FY2023 | 6 | $6.0M | $377K | 0 | — | 6 | 109 |
| FY2022 | 6 | $10.7M | $740K | 0 | — | 6 | 37 |
| FY2021 | 6 | $5.4M | $754K | 0 | — | 6 | 37 |
| FY2020 | 6 | $7.5M | $764K | 0 | — | 6 | 66 |
| FY2019 | 3 | $3.7M | $1.1M | 0 | — | 3 | 39 |
| FY2018 | 3 | $9.2M | $4.1M | 0 | — | 3 | 42 |
| FY2017 | 9 | $15.6M | $1.1M | 0 | — | 9 | 238 |
| FY2016 | 10 | $10.5M | $463K | 0 | — | 10 | 153 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 31 approvals.
Against Georgia and the country
| FY2021–FY2025 | Dougherty County | Georgia | United States |
|---|---|---|---|
| Approvals | 32 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 14.4 | 39.2 | 41.0 |
| Median 7(a) approval | $475K | $350K | $190K |
| Median 504 approval | — | $820K | $657K |
| Average approval | $1.1M | $803K | $573K |
| 504 share of approvals | 3.1% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 10.6 | 11.4 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less9.4%3
- $50,001 to $150,00015.6%5
- $150,001 to $350,00018.8%6
- $350,001 to $1 million25.0%8
- $1 million to $2 million12.5%4
- Over $2 million18.8%6
Age of the businesses
- Existing, more than 2 years old46.9%15
- New business, 2 years or less15.6%5
- Startup, loan funds will open the business21.9%7
- Change of ownership15.6%5
Questions and answers
Which lenders make the most SBA loans in Dougherty County?
By approvals in FY2021 to FY2025: Metro City Bank (4), Flint Community Bank (4), The Bank of Edison (2), United Bank (2), Readycap Lending, LLC (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Dougherty County?
The median 7(a) approval was $475K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Dougherty County?
Restaurants and Other Eating Places (7); Beer, Wine, and Liquor Stores (5); Traveler Accommodation (3); Offices of Physicians (2); Grocery Stores (1).
Is SBA lending in Dougherty County rising?
Approvals in the three latest complete fiscal years total 20, against 18 in the three before: rising (+11%).
How does Dougherty County compare with the rest of Georgia?
14.4 approvals per 1,000 establishments against 39.2 statewide, and 32 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