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County12th of 149 in Georgia by approvalsFIPS 13097
SBA loans in Douglas 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 133 loans to businesses in Douglas County, Georgia, in FY2021 to FY2025, worth $111M: 126 under 7(a) and 7 under 504.
That is 46.3 approvals per 1,000 business establishments (2,875 establishments in 2023), above the Georgia figure of 39.2 and close to the national 41.0.
It ranks 12th of 149 Georgia counties with approvals. In FY2025 there were 33, up 14% on FY2024.
54 lenders had approvals here; the most active were Wells Fargo Bank National Association (10), Readycap Lending, LLC (10) and BayFirst National Bank (10). 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 Douglas County
By number of approvals to businesses in the county, FY2021–FY2025; 54 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $2.7M | 7.5% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 10 | $2.1M | 7.5% | |
| 3 | BayFirst National BankSaint Petersburg, FL | 10 | $1.2M | 7.5% | |
| 4 | The Huntington National BankColumbus, OH | 8 | $4.3M | 6.0% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 6 | $12.5M | 4.5% | |
| 6 | Northeast BankLewiston, ME | 6 | $697K | 4.5% | |
| 7 | Metro City BankDoraville, GA | 5 | $18.6M | 3.8% | |
| 8 | Newtek Bank, National AssociationMiami, FL | 5 | $860K | 3.8% | |
| 9 | Georgia's Own Credit UnionAtlanta, GA | 4 | $5.3M | 3.0% | |
| 10 | Newtek Small Business Finance, Inc.Lake Success, NY | 4 | $955K | 3.0% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 4 | $860K | 3.0% | |
| 12 | United Community BankGreenville, SC | 3 | $6.7M | 2.3% | |
| 13 | Ameris BankAtlanta, GA | 3 | $4.0M | 2.3% | |
| 14 | Florida Business Development CorporationTampa, FL · CDC | 3 | $3.6M | 2.3% | |
| 15 | Renasant BankTupelo, MS | 3 | $2.4M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 13 | 9.8% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 10 | 7.5% | |
| 3 | General Freight TruckingNAICS 4841 | 10 | 7.5% | |
| 4 | Beer, Wine, and Liquor StoresNAICS 4453 | 5 | 3.8% | |
| 5 | Building Equipment ContractorsNAICS 2382 | 5 | 3.8% | |
| 6 | Computer Systems Design and Related ServicesNAICS 5415 | 5 | 3.8% | |
| 7 | Traveler AccommodationNAICS 7211 | 4 | 3.0% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 4 | 3.0% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 4 | 3.0% | |
| 10 | Residential Building ConstructionNAICS 2361 | 4 | 3.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 29 | 21.8% | |
| 2 | Accommodation and Food Services | 17 | 12.8% | |
| 3 | Professional, Scientific, and Technical Services | 16 | 12.0% | |
| 4 | Other Services (except Public Administration) | 13 | 9.8% | |
| 5 | Construction | 13 | 9.8% | |
| 6 | Transportation and Warehousing | 13 | 9.8% | |
| 7 | Health Care and Social Assistance | 10 | 7.5% | |
| 8 | Arts, Entertainment, and Recreation | 5 | 3.8% |
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* | 19 | $12.4M | $147K | 1 | — | 20 | 87 |
| FY2025 | 31 | $24.1M | $488K | 2 | — | 33 | 266 |
| FY2024 | 28 | $17.4M | $248K | 1 | — | 29 | 382 |
| FY2023 | 24 | $11.3M | $108K | 2 | — | 26 | 262 |
| FY2022 | 21 | $15.0M | $350K | 2 | — | 23 | 269 |
| FY2021 | 22 | $35.7M | $703K | 0 | — | 22 | 538 |
| FY2020 | 18 | $18.6M | $529K | 2 | — | 20 | 210 |
| FY2019 | 22 | $12.5M | $244K | 3 | $1.2M | 25 | 240 |
| FY2018 | 22 | $13.4M | $343K | 0 | — | 22 | 196 |
| FY2017 | 22 | $23.3M | $433K | 3 | $3.8M | 25 | 152 |
| FY2016 | 19 | $12.3M | $350K | 2 | — | 21 | 154 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 113 approvals.
Against Georgia and the country
| FY2021–FY2025 | Douglas County | Georgia | United States |
|---|---|---|---|
| Approvals | 133 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 46.3 | 39.2 | 41.0 |
| Median 7(a) approval | $350K | $350K | $190K |
| Median 504 approval | $1.3M | $820K | $657K |
| Average approval | $837K | $803K | $573K |
| 504 share of approvals | 5.3% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 12.9 | 11.4 | 10.5 |
| Share of state approvals | 1.3% | 100.0% | — |
Approval sizes
- $50,000 or less16.5%22
- $50,001 to $150,00020.3%27
- $150,001 to $350,00013.5%18
- $350,001 to $1 million25.6%34
- $1 million to $2 million9.8%13
- Over $2 million14.3%19
Age of the businesses
- Existing, more than 2 years old45.1%60
- New business, 2 years or less21.1%28
- Startup, loan funds will open the business18.8%25
- Change of ownership12.8%17
- Not answered2.3%3
Questions and answers
Which lenders make the most SBA loans in Douglas County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (10), Readycap Lending, LLC (10), BayFirst National Bank (10), The Huntington National Bank (8), Live Oak Banking Company (6). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Douglas County?
The median 7(a) approval was $350K and the median 504 approval $1.3M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Douglas County?
Restaurants and Other Eating Places (13); Automotive Repair and Maintenance (10); General Freight Trucking (10); Beer, Wine, and Liquor Stores (5); Building Equipment Contractors (5).
Is SBA lending in Douglas County rising?
Approvals in the three latest complete fiscal years total 88, against 65 in the three before: rising (+35%).
How does Douglas County compare with the rest of Georgia?
46.3 approvals per 1,000 establishments against 39.2 statewide, and 133 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