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County8th of 149 in Georgia by approvalsFIPS 13151
SBA loans in Henry 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 Henry County, Georgia, received 252 SBA loan approvals worth $181M in FY2021 to FY2025 (237 7(a), 15 504).
That is 55.7 approvals per 1,000 business establishments (4,528 establishments in 2023), above the Georgia figure of 39.2 and above the national 41.0.
It ranks 8th of 149 Georgia counties with approvals. In FY2025 there were 74, up 14% on FY2024.
71 lenders had approvals here; the most active were Renasant Bank (18), The Huntington National Bank (18) and Wells Fargo Bank National Association (18). 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 Henry County
By number of approvals to businesses in the county, FY2021–FY2025; 71 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Renasant BankTupelo, MS | 18 | $17.4M | 7.1% | |
| 2 | The Huntington National BankColumbus, OH | 18 | $7.1M | 7.1% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 18 | $2.0M | 7.1% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 17 | $4.7M | 6.7% | |
| 5 | Northeast BankLewiston, ME | 16 | $1.6M | 6.3% | |
| 6 | BayFirst National BankSaint Petersburg, FL | 11 | $1.8M | 4.4% | |
| 7 | Newtek Bank, National AssociationMiami, FL | 10 | $3.9M | 4.0% | |
| 8 | Florida Business Development CorporationTampa, FL · CDC | 6 | $4.5M | 2.4% | |
| 9 | Metro City BankDoraville, GA | 5 | $13.7M | 2.0% | |
| 10 | JPMorgan Chase Bank, National AssociationColumbus, OH | 5 | $1.3M | 2.0% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 5 | $912K | 2.0% | |
| 12 | Embassy National BankLawrenceville, GA | 4 | $11.1M | 1.6% | |
| 13 | Commonwealth Business BankLos Angeles, CA | 4 | $7.5M | 1.6% | |
| 14 | Pathward National AssociationSioux Falls, SD | 4 | $7.5M | 1.6% | |
| 15 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 4 | $6.8M | 1.6% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 38 | 15.1% | |
| 2 | General Freight TruckingNAICS 4841 | 21 | 8.3% | |
| 3 | Traveler AccommodationNAICS 7211 | 13 | 5.2% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 10 | 4.0% | |
| 5 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 10 | 4.0% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 9 | 3.6% | |
| 7 | Offices of Other Health PractitionersNAICS 6213 | 9 | 3.6% | |
| 8 | Personal Care ServicesNAICS 8121 | 8 | 3.2% | |
| 9 | Child Day Care ServicesNAICS 6244 | 7 | 2.8% | |
| 10 | Other Fabricated Metal Product ManufacturingNAICS 3329 | 5 | 2.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 54 | 21.4% | |
| 2 | Health Care and Social Assistance | 29 | 11.5% | |
| 3 | Retail Trade | 25 | 9.9% | |
| 4 | Transportation and Warehousing | 24 | 9.5% | |
| 5 | Other Services (except Public Administration) | 20 | 7.9% | |
| 6 | Professional, Scientific, and Technical Services | 18 | 7.1% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 16 | 6.3% | |
| 8 | Manufacturing | 13 | 5.2% |
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* | 27 | $14.6M | $200K | 5 | $5.6M | 32 | 212 |
| FY2025 | 69 | $36.9M | $200K | 5 | $8.3M | 74 | 1,274 |
| FY2024 | 61 | $37.6M | $240K | 4 | $6.1M | 65 | 830 |
| FY2023 | 37 | $25.6M | $250K | 3 | $3.7M | 40 | 255 |
| FY2022 | 40 | $31.7M | $364K | 3 | $1.1M | 43 | 455 |
| FY2021 | 30 | $30.5M | $343K | 0 | — | 30 | 321 |
| FY2020 | 26 | $22.3M | $219K | 5 | $3.0M | 31 | 226 |
| FY2019 | 30 | $15.4M | $288K | 4 | $2.2M | 34 | 431 |
| FY2018 | 31 | $24.8M | $343K | 4 | $4.6M | 35 | 438 |
| FY2017 | 38 | $24.0M | $176K | 3 | $2.0M | 41 | 430 |
| FY2016 | 27 | $21.2M | $403K | 3 | $3.4M | 30 | 329 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 171 approvals.
Against Georgia and the country
| FY2021–FY2025 | Henry County | Georgia | United States |
|---|---|---|---|
| Approvals | 252 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 55.7 | 39.2 | 41.0 |
| Median 7(a) approval | $279K | $350K | $190K |
| Median 504 approval | $865K | $820K | $657K |
| Average approval | $720K | $803K | $573K |
| 504 share of approvals | 6.0% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 12.4 | 11.4 | 10.5 |
| Share of state approvals | 2.5% | 100.0% | — |
Approval sizes
- $50,000 or less15.5%39
- $50,001 to $150,00020.2%51
- $150,001 to $350,00021.0%53
- $350,001 to $1 million22.2%56
- $1 million to $2 million10.3%26
- Over $2 million10.7%27
Age of the businesses
- Existing, more than 2 years old51.2%129
- New business, 2 years or less17.5%44
- Startup, loan funds will open the business19.0%48
- Change of ownership11.9%30
- Not answered0.4%1
Questions and answers
Which lenders make the most SBA loans in Henry County?
By approvals in FY2021 to FY2025: Renasant Bank (18), The Huntington National Bank (18), Wells Fargo Bank National Association (18), Readycap Lending, LLC (17), Northeast Bank (16). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Henry County?
The median 7(a) approval was $279K and the median 504 approval $865K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Henry County?
Restaurants and Other Eating Places (38); General Freight Trucking (21); Traveler Accommodation (13); Other Amusement and Recreation Industries (10); Agencies, Brokerages, and Other Insurance Related Activities (10).
Is SBA lending in Henry County rising?
Approvals in the three latest complete fiscal years total 179, against 104 in the three before: rising (+72%).
How does Henry County compare with the rest of Georgia?
55.7 approvals per 1,000 establishments against 39.2 statewide, and 252 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