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County9th of 149 in Georgia by approvalsFIPS 13139
SBA loans in Hall 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 215 loans to businesses in Hall County, Georgia, in FY2021 to FY2025, worth $199M: 180 under 7(a) and 35 under 504.
That is 41.5 approvals per 1,000 business establishments (5,181 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 9th of 149 Georgia counties with approvals. In FY2025 there were 55, up 49% on FY2024.
60 lenders had approvals here; the most active were Small Business Access Partners, Inc. (21), The Huntington National Bank (13) and Metro City Bank (9). 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 Hall County
By number of approvals to businesses in the county, FY2021–FY2025; 60 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 21 | $15.4M | 9.8% | |
| 2 | The Huntington National BankColumbus, OH | 13 | $6.1M | 6.0% | |
| 3 | Metro City BankDoraville, GA | 9 | $30.3M | 4.2% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 9 | $853K | 4.2% | |
| 5 | Florida Business Development CorporationTampa, FL · CDC | 7 | $9.4M | 3.3% | |
| 6 | SouthState Bank, National AssociationWinter Haven, FL | 7 | $4.5M | 3.3% | |
| 7 | Vallant BankElberton, GA | 7 | $2.6M | 3.3% | |
| 8 | Oconee State BankWatkinsville, GA | 6 | $8.8M | 2.8% | |
| 9 | Live Oak Banking CompanyWilmington, NC | 6 | $6.5M | 2.8% | |
| 10 | Citizens BankElizabethton, TN | 6 | $5.1M | 2.8% | |
| 11 | Community Bank of Pickens CountyJasper, GA | 5 | $11.7M | 2.3% | |
| 12 | Bank of HopeLos Angeles, CA | 5 | $5.3M | 2.3% | |
| 13 | Wallis BankWallis, TX | 5 | $4.2M | 2.3% | |
| 14 | United Community BankGreenville, SC | 5 | $2.8M | 2.3% | |
| 15 | Newtek Bank, National AssociationMiami, FL | 5 | $1.4M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 28 | 13.0% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 15 | 7.0% | |
| 3 | Beer, Wine, and Liquor StoresNAICS 4453 | 13 | 6.0% | |
| 4 | Offices of Other Health PractitionersNAICS 6213 | 11 | 5.1% | |
| 5 | Child Day Care ServicesNAICS 6244 | 9 | 4.2% | |
| 6 | Lessors of Real EstateNAICS 5311 | 8 | 3.7% | |
| 7 | Grocery StoresNAICS 4451 | 7 | 3.3% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 3.3% | |
| 9 | Building Equipment ContractorsNAICS 2382 | 6 | 2.8% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 6 | 2.8% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 41 | 19.1% | |
| 2 | Accommodation and Food Services | 33 | 15.3% | |
| 3 | Health Care and Social Assistance | 27 | 12.6% | |
| 4 | Other Services (except Public Administration) | 24 | 11.2% | |
| 5 | Construction | 16 | 7.4% | |
| 6 | Real Estate and Rental and Leasing | 13 | 6.0% | |
| 7 | Manufacturing | 13 | 6.0% | |
| 8 | Professional, Scientific, and Technical Services | 13 | 6.0% |
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* | 28 | $25.7M | $427K | 5 | $6.6M | 33 | 551 |
| FY2025 | 49 | $45.4M | $410K | 6 | $9.3M | 55 | 630 |
| FY2024 | 32 | $21.2M | $482K | 5 | $4.3M | 37 | 388 |
| FY2023 | 39 | $25.8M | $378K | 11 | $10.1M | 50 | 623 |
| FY2022 | 29 | $19.4M | $322K | 8 | $9.0M | 37 | 392 |
| FY2021 | 31 | $50.1M | $944K | 5 | $4.1M | 36 | 348 |
| FY2020 | 32 | $34.5M | $514K | 8 | $5.3M | 40 | 339 |
| FY2019 | 31 | $24.6M | $385K | 3 | $1.8M | 34 | 349 |
| FY2018 | 38 | $36.7M | $464K | 3 | $4.1M | 41 | 602 |
| FY2017 | 29 | $23.2M | $325K | 6 | $2.7M | 35 | 307 |
| FY2016 | 35 | $26.2M | $407K | 3 | $1.1M | 38 | 567 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 188 approvals.
Against Georgia and the country
| FY2021–FY2025 | Hall County | Georgia | United States |
|---|---|---|---|
| Approvals | 215 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 41.5 | 39.2 | 41.0 |
| Median 7(a) approval | $458K | $350K | $190K |
| Median 504 approval | $706K | $820K | $657K |
| Average approval | $924K | $803K | $573K |
| 504 share of approvals | 16.3% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 11.1 | 11.4 | 10.5 |
| Share of state approvals | 2.1% | 100.0% | — |
Approval sizes
- $50,000 or less7.9%17
- $50,001 to $150,00012.1%26
- $150,001 to $350,00020.0%43
- $350,001 to $1 million32.6%70
- $1 million to $2 million14.0%30
- Over $2 million13.5%29
Age of the businesses
- Existing, more than 2 years old38.1%82
- New business, 2 years or less16.7%36
- Startup, loan funds will open the business30.2%65
- Change of ownership14.9%32
Questions and answers
Which lenders make the most SBA loans in Hall County?
By approvals in FY2021 to FY2025: Small Business Access Partners, Inc. (21), The Huntington National Bank (13), Metro City Bank (9), Wells Fargo Bank National Association (9), Florida Business Development Corporation (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Hall County?
The median 7(a) approval was $458K and the median 504 approval $706K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Hall County?
Restaurants and Other Eating Places (28); Automotive Repair and Maintenance (15); Beer, Wine, and Liquor Stores (13); Offices of Other Health Practitioners (11); Child Day Care Services (9).
Is SBA lending in Hall County rising?
Approvals in the three latest complete fiscal years total 142, against 113 in the three before: rising (+26%).
How does Hall County compare with the rest of Georgia?
41.5 approvals per 1,000 establishments against 39.2 statewide, and 215 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