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County1st of 149 in Georgia by approvalsFIPS 13121
SBA loans in Fulton 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 Fulton County, Georgia, received 1,701 SBA loan approvals worth $1.21bn in FY2021 to FY2025 (1,582 7(a), 119 504).
That is 41.5 approvals per 1,000 business establishments (40,949 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 1st of 149 Georgia counties with approvals. In FY2025 there were 426, up 12% on FY2024.
154 lenders had approvals here; the most active were The Huntington National Bank (163), Newtek Bank, National Association (111) and Wells Fargo Bank National Association (88). 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 Fulton County
By number of approvals to businesses in the county, FY2021–FY2025; 154 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 163 | $67.9M | 9.6% | |
| 2 | Newtek Bank, National AssociationMiami, FL | 111 | $60.5M | 6.5% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 88 | $14.1M | 5.2% | |
| 4 | Northeast BankLewiston, ME | 78 | $12.2M | 4.6% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 77 | $31.4M | 4.5% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 59 | $15.7M | 3.5% | |
| 7 | SouthState Bank, National AssociationWinter Haven, FL | 56 | $39.1M | 3.3% | |
| 8 | Florida Business Development CorporationTampa, FL · CDC | 48 | $39.7M | 2.8% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 43 | $12.0M | 2.5% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 37 | $48.5M | 2.2% | |
| 11 | Celtic Bank CorporationSalt Lake City, UT | 36 | $16.8M | 2.1% | |
| 12 | Bank of America, National AssociationCharlotte, NC | 35 | $19.9M | 2.1% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 35 | $8.6M | 2.1% | |
| 14 | Georgia's Own Credit UnionAtlanta, GA | 34 | $25.8M | 2.0% | |
| 15 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 33 | $41.0M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 230 | 13.5% | |
| 2 | Personal Care ServicesNAICS 8121 | 75 | 4.4% | |
| 3 | Other Amusement and Recreation IndustriesNAICS 7139 | 59 | 3.5% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 59 | 3.5% | |
| 5 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 59 | 3.5% | |
| 6 | Other Personal ServicesNAICS 8129 | 47 | 2.8% | |
| 7 | Child Day Care ServicesNAICS 6244 | 46 | 2.7% | |
| 8 | Offices of PhysiciansNAICS 6211 | 45 | 2.6% | |
| 9 | Beer, Wine, and Liquor StoresNAICS 4453 | 42 | 2.5% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 40 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 284 | 16.7% | |
| 2 | Professional, Scientific, and Technical Services | 246 | 14.5% | |
| 3 | Retail Trade | 226 | 13.3% | |
| 4 | Health Care and Social Assistance | 204 | 12.0% | |
| 5 | Other Services (except Public Administration) | 190 | 11.2% | |
| 6 | Construction | 107 | 6.3% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 82 | 4.8% | |
| 8 | Arts, Entertainment, and Recreation | 74 | 4.4% |
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* | 221 | $114M | $313K | 21 | $35.9M | 242 | 3,094 |
| FY2025 | 405 | $241M | $300K | 21 | $27.6M | 426 | 3,882 |
| FY2024 | 362 | $217M | $250K | 20 | $24.8M | 382 | 4,908 |
| FY2023 | 316 | $196M | $342K | 20 | $18.4M | 336 | 3,702 |
| FY2022 | 226 | $173M | $350K | 25 | $29.0M | 251 | 3,764 |
| FY2021 | 273 | $255M | $512K | 33 | $31.5M | 306 | 4,336 |
| FY2020 | 190 | $149M | $350K | 22 | $22.9M | 212 | 2,268 |
| FY2019 | 268 | $194M | $333K | 16 | $13.1M | 284 | 4,294 |
| FY2018 | 288 | $200M | $261K | 16 | $16.2M | 304 | 3,657 |
| FY2017 | 279 | $183M | $317K | 29 | $23.4M | 308 | 4,240 |
| FY2016 | 326 | $216M | $298K | 23 | $14.0M | 349 | 4,809 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,457 approvals.
Against Georgia and the country
| FY2021–FY2025 | Fulton County | Georgia | United States |
|---|---|---|---|
| Approvals | 1,701 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 41.5 | 39.2 | 41.0 |
| Median 7(a) approval | $344K | $350K | $190K |
| Median 504 approval | $789K | $820K | $657K |
| Average approval | $713K | $803K | $573K |
| 504 share of approvals | 7.0% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 12.1 | 11.4 | 10.5 |
| Share of state approvals | 16.6% | 100.0% | — |
Approval sizes
- $50,000 or less13.5%230
- $50,001 to $150,00015.8%268
- $150,001 to $350,00022.3%379
- $350,001 to $1 million28.2%479
- $1 million to $2 million11.5%196
- Over $2 million8.8%149
Age of the businesses
- Existing, more than 2 years old52.1%887
- New business, 2 years or less17.5%298
- Startup, loan funds will open the business21.6%367
- Change of ownership8.5%144
- Not answered0.3%5
Questions and answers
Which lenders make the most SBA loans in Fulton County?
By approvals in FY2021 to FY2025: The Huntington National Bank (163), Newtek Bank, National Association (111), Wells Fargo Bank National Association (88), Northeast Bank (78), Readycap Lending, LLC (77). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Fulton County?
The median 7(a) approval was $344K and the median 504 approval $789K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Fulton County?
Restaurants and Other Eating Places (230); Personal Care Services (75); Other Amusement and Recreation Industries (59); Offices of Other Health Practitioners (59); Management, Scientific, and Technical Consulting Services (59).
Is SBA lending in Fulton County rising?
Approvals in the three latest complete fiscal years total 1,144, against 769 in the three before: rising (+49%).
How does Fulton County compare with the rest of Georgia?
41.5 approvals per 1,000 establishments against 39.2 statewide, and 1,701 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