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County46th of 149 in Georgia by approvalsFIPS 13137
SBA loans in Habersham 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 31 loans to businesses in Habersham County, Georgia, in FY2021 to FY2025, worth $44.8M: 23 under 7(a) and 8 under 504.
That is 32.6 approvals per 1,000 business establishments (951 establishments in 2023), below the Georgia figure of 39.2 and below the national 41.0.
It ranks 46th of 149 Georgia counties with approvals. In FY2025 there were 9.
22 lenders had approvals here; the most active were Vallant Bank (3), Small Business Access Partners, Inc. (3) and Renasant Bank (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 Habersham County
By number of approvals to businesses in the county, FY2021–FY2025; 22 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Vallant BankElberton, GA | 3 | $5.8M | 9.7% | |
| 2 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 3 | $3.5M | 9.7% | |
| 3 | Renasant BankTupelo, MS | 2 | — | 6.5% | |
| 4 | Cogent BankOrlando, FL | 2 | — | 6.5% | |
| 5 | Bank of ClarkeBerryville, VA | 2 | — | 6.5% | |
| 6 | United Community BankGreenville, SC | 2 | — | 6.5% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 2 | — | 6.5% | |
| 8 | Live Oak Banking CompanyWilmington, NC | 1 | — | 3.2% | |
| 9 | Georgia Certified Development CorporationAtlanta, GA · CDC | 1 | — | 3.2% | |
| 10 | Georgia's Own Credit UnionAtlanta, GA | 1 | — | 3.2% | |
| 11 | Florida Business Development CorporationTampa, FL · CDC | 1 | — | 3.2% | |
| 12 | Centerstone SBA Lending, Inc.Los Angeles, CA | 1 | — | 3.2% | |
| 13 | First Port City BankBainbridge, GA | 1 | — | 3.2% | |
| 14 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 1 | — | 3.2% | |
| 15 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 1 | — | 3.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 4 | 12.9% | |
| 2 | Gasoline StationsNAICS 4471 | 4 | 12.9% | |
| 3 | Traveler AccommodationNAICS 7211 | 3 | 9.7% | |
| 4 | Gasoline StationsNAICS 4571 | 3 | 9.7% | |
| 5 | Architectural and Structural Metals ManufacturingNAICS 3323 | 2 | 6.5% | |
| 6 | Child Day Care ServicesNAICS 6244 | 2 | 6.5% | |
| 7 | Automotive Repair and MaintenanceNAICS 8111 | 2 | 6.5% | |
| 8 | Drycleaning and Laundry ServicesNAICS 8123 | 2 | 6.5% | |
| 9 | Animal Slaughtering and ProcessingNAICS 3116 | 1 | 3.2% | |
| 10 | Automotive Parts, Accessories, and Tire StoresNAICS 4413 | 1 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 11 | 35.5% | |
| 2 | Accommodation and Food Services | 7 | 22.6% | |
| 3 | Manufacturing | 4 | 12.9% | |
| 4 | Other Services (except Public Administration) | 4 | 12.9% | |
| 5 | Health Care and Social Assistance | 2 | 6.5% | |
| 6 | Construction | 2 | 6.5% | |
| 7 | Wholesale Trade | 1 | 3.2% |
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* | 5 | $7.0M | $300K | 0 | — | 5 | 64 |
| FY2025 | 7 | $4.3M | $290K | 2 | — | 9 | 94 |
| FY2024 | 6 | $2.9M | $449K | 1 | — | 7 | 56 |
| FY2023 | 2 | — | — | 1 | — | 3 | 341 |
| FY2022 | 1 | — | — | 2 | — | 3 | 17 |
| FY2021 | 7 | $15.5M | $1.3M | 2 | — | 9 | 380 |
| FY2020 | 6 | $2.7M | $488K | 1 | — | 7 | 34 |
| FY2019 | 5 | $4.0M | $705K | 2 | — | 7 | 37 |
| FY2018 | 8 | $5.8M | $329K | 1 | — | 9 | 87 |
| FY2017 | 5 | $4.5M | $369K | 2 | — | 7 | 171 |
| FY2016 | 8 | $4.6M | $246K | 0 | — | 8 | 39 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 38 approvals.
Against Georgia and the country
| FY2021–FY2025 | Habersham County | Georgia | United States |
|---|---|---|---|
| Approvals | 31 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 32.6 | 39.2 | 41.0 |
| Median 7(a) approval | $600K | $350K | $190K |
| Median 504 approval | $949K | $820K | $657K |
| Average approval | $1.4M | $803K | $573K |
| 504 share of approvals | 25.8% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 28.6 | 11.4 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less9.7%3
- $50,001 to $150,0003.2%1
- $150,001 to $350,0006.5%2
- $350,001 to $1 million32.3%10
- $1 million to $2 million29.0%9
- Over $2 million19.4%6
Age of the businesses
- Existing, more than 2 years old51.6%16
- New business, 2 years or less19.4%6
- Startup, loan funds will open the business16.1%5
- Change of ownership12.9%4
Questions and answers
Which lenders make the most SBA loans in Habersham County?
By approvals in FY2021 to FY2025: Vallant Bank (3), Small Business Access Partners, Inc. (3), Renasant Bank (2), Cogent Bank (2), Bank of Clarke (2). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Habersham County?
The median 7(a) approval was $600K and the median 504 approval $949K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Habersham County?
Restaurants and Other Eating Places (4); Gasoline Stations (4); Traveler Accommodation (3); Gasoline Stations (3); Architectural and Structural Metals Manufacturing (2).
Is SBA lending in Habersham County rising?
Approvals in the three latest complete fiscal years total 19, against 19 in the three before: broadly level (0%).
How does Habersham County compare with the rest of Georgia?
32.6 approvals per 1,000 establishments against 39.2 statewide, and 31 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