States › Georgia › Gwinnett County
County2nd of 149 in Georgia by approvalsFIPS 13135
SBA loans in Gwinnett 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 Gwinnett County, Georgia, received 1,368 SBA loan approvals worth $969M in FY2021 to FY2025 (1,263 7(a), 105 504).
That is 49.5 approvals per 1,000 business establishments (27,653 establishments in 2023), above the Georgia figure of 39.2 and above the national 41.0.
It ranks 2nd of 149 Georgia counties with approvals. In FY2025 there were 367, up 25% on FY2024.
123 lenders had approvals here; the most active were The Huntington National Bank (92), Wells Fargo Bank National Association (82) and Northeast Bank (71). 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 Gwinnett County
By number of approvals to businesses in the county, FY2021–FY2025; 123 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 92 | $29.4M | 6.7% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 82 | $4.7M | 6.0% | |
| 3 | Northeast BankLewiston, ME | 71 | $10.6M | 5.2% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 65 | $21.7M | 4.8% | |
| 5 | Metro City BankDoraville, GA | 64 | $112M | 4.7% | |
| 6 | Newtek Bank, National AssociationMiami, FL | 54 | $20.6M | 3.9% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 39 | $6.3M | 2.9% | |
| 8 | Loyal Trust BankJohns Creek, GA | 37 | $29.4M | 2.7% | |
| 9 | SouthState Bank, National AssociationWinter Haven, FL | 36 | $21.7M | 2.6% | |
| 10 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 34 | $42.3M | 2.5% | |
| 11 | JPMorgan Chase Bank, National AssociationColumbus, OH | 33 | $5.9M | 2.4% | |
| 12 | Florida Business Development CorporationTampa, FL · CDC | 31 | $35.8M | 2.3% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 30 | $5.7M | 2.2% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 28 | $28.3M | 2.0% | |
| 15 | PromiseOne BankDuluth, GA | 26 | $25.6M | 1.9% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 183 | 13.4% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 54 | 3.9% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 45 | 3.3% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 44 | 3.2% | |
| 5 | Personal Care ServicesNAICS 8121 | 39 | 2.9% | |
| 6 | General Freight TruckingNAICS 4841 | 39 | 2.9% | |
| 7 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 36 | 2.6% | |
| 8 | Child Day Care ServicesNAICS 6244 | 31 | 2.3% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 28 | 2.0% | |
| 10 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 28 | 2.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 207 | 15.1% | |
| 2 | Retail Trade | 197 | 14.4% | |
| 3 | Health Care and Social Assistance | 145 | 10.6% | |
| 4 | Professional, Scientific, and Technical Services | 135 | 9.9% | |
| 5 | Other Services (except Public Administration) | 130 | 9.5% | |
| 6 | Construction | 115 | 8.4% | |
| 7 | Wholesale Trade | 89 | 6.5% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 83 | 6.1% |
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* | 157 | $106M | $350K | 17 | $31.2M | 174 | 1,971 |
| FY2025 | 345 | $201M | $250K | 22 | $28.9M | 367 | 3,712 |
| FY2024 | 279 | $166M | $250K | 14 | $22.1M | 293 | 3,395 |
| FY2023 | 241 | $149M | $261K | 23 | $26.4M | 264 | 2,822 |
| FY2022 | 174 | $122M | $350K | 23 | $25.0M | 197 | 2,308 |
| FY2021 | 224 | $204M | $500K | 23 | $24.2M | 247 | 2,369 |
| FY2020 | 160 | $103M | $303K | 18 | $21.3M | 178 | 1,742 |
| FY2019 | 191 | $143M | $305K | 16 | $17.3M | 207 | 3,441 |
| FY2018 | 201 | $119M | $233K | 11 | $11.8M | 212 | 1,866 |
| FY2017 | 239 | $141M | $270K | 24 | $26.3M | 263 | 2,719 |
| FY2016 | 259 | $189M | $255K | 15 | $12.0M | 274 | 3,455 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,134 approvals.
Against Georgia and the country
| FY2021–FY2025 | Gwinnett County | Georgia | United States |
|---|---|---|---|
| Approvals | 1,368 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 49.5 | 39.2 | 41.0 |
| Median 7(a) approval | $300K | $350K | $190K |
| Median 504 approval | $985K | $820K | $657K |
| Average approval | $708K | $803K | $573K |
| 504 share of approvals | 7.7% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 10.7 | 11.4 | 10.5 |
| Share of state approvals | 13.4% | 100.0% | — |
Approval sizes
- $50,000 or less15.6%213
- $50,001 to $150,00016.8%230
- $150,001 to $350,00021.6%296
- $350,001 to $1 million25.4%348
- $1 million to $2 million11.9%163
- Over $2 million8.6%118
Age of the businesses
- Existing, more than 2 years old53.4%730
- New business, 2 years or less19.4%265
- Startup, loan funds will open the business17.5%239
- Change of ownership9.6%132
- Not answered0.1%2
Questions and answers
Which lenders make the most SBA loans in Gwinnett County?
By approvals in FY2021 to FY2025: The Huntington National Bank (92), Wells Fargo Bank National Association (82), Northeast Bank (71), Readycap Lending, LLC (65), Metro City Bank (64). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Gwinnett County?
The median 7(a) approval was $300K and the median 504 approval $985K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Gwinnett County?
Restaurants and Other Eating Places (183); Automotive Repair and Maintenance (54); Services to Buildings and Dwellings (45); Offices of Other Health Practitioners (44); Personal Care Services (39).
Is SBA lending in Gwinnett County rising?
Approvals in the three latest complete fiscal years total 924, against 622 in the three before: rising (+49%).
How does Gwinnett County compare with the rest of Georgia?
49.5 approvals per 1,000 establishments against 39.2 statewide, and 1,368 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