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County28th of 149 in Georgia by approvalsFIPS 13157
SBA loans in Jackson 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 63 loans to businesses in Jackson County, Georgia, in FY2021 to FY2025, worth $65.3M: 56 under 7(a) and 7 under 504.
That is 37.7 approvals per 1,000 business establishments (1,673 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 28th of 149 Georgia counties with approvals. In FY2025 there were 22, up 69% on FY2024.
35 lenders had approvals here; the most active were Wells Fargo Bank National Association (6), Metro City Bank (4) and Small Business Access Partners, Inc. (4). 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 Jackson County
By number of approvals to businesses in the county, FY2021–FY2025; 35 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 6 | $510K | 9.5% | |
| 2 | Metro City BankDoraville, GA | 4 | $18.7M | 6.3% | |
| 3 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 4 | $6.6M | 6.3% | |
| 4 | The Huntington National BankColumbus, OH | 4 | $650K | 6.3% | |
| 5 | Loyal Trust BankJohns Creek, GA | 3 | $1.6M | 4.8% | |
| 6 | United Community BankGreenville, SC | 3 | $1.3M | 4.8% | |
| 7 | Celtic Bank CorporationSalt Lake City, UT | 3 | $1.2M | 4.8% | |
| 8 | Pinnacle BankNashville, TN | 2 | — | 3.2% | |
| 9 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 2 | — | 3.2% | |
| 10 | FirstBankNashville, TN | 2 | — | 3.2% | |
| 11 | Vallant BankElberton, GA | 2 | — | 3.2% | |
| 12 | United Midwest Savings Bank National AssociationDe Graff, OH | 2 | — | 3.2% | |
| 13 | SouthState Bank, National AssociationWinter Haven, FL | 2 | — | 3.2% | |
| 14 | CDC Small Business Finance Corp.San Diego, CA | 2 | — | 3.2% | |
| 15 | Northeast BankLewiston, ME | 2 | — | 3.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 14.3% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 7.9% | |
| 3 | Poultry and Egg ProductionNAICS 1123 | 3 | 4.8% | |
| 4 | Other Personal ServicesNAICS 8129 | 3 | 4.8% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 4.8% | |
| 6 | Residential Building ConstructionNAICS 2361 | 3 | 4.8% | |
| 7 | Traveler AccommodationNAICS 7211 | 2 | 3.2% | |
| 8 | Child Day Care ServicesNAICS 6244 | 2 | 3.2% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.2% | |
| 10 | Business Support ServicesNAICS 5614 | 2 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 12 | 19.0% | |
| 2 | Retail Trade | 8 | 12.7% | |
| 3 | Other Services (except Public Administration) | 7 | 11.1% | |
| 4 | Construction | 6 | 9.5% | |
| 5 | Health Care and Social Assistance | 5 | 7.9% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 5 | 7.9% | |
| 7 | Arts, Entertainment, and Recreation | 5 | 7.9% | |
| 8 | Transportation and Warehousing | 4 | 6.3% |
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* | 10 | $7.3M | $316K | 3 | $3.1M | 13 | 113 |
| FY2025 | 17 | $9.3M | $333K | 5 | $7.7M | 22 | 182 |
| FY2024 | 11 | $8.9M | $368K | 2 | — | 13 | 117 |
| FY2023 | 9 | $6.2M | $613K | 0 | — | 9 | 120 |
| FY2022 | 10 | $8.5M | $255K | 0 | — | 10 | 110 |
| FY2021 | 9 | $22.1M | $1.7M | 0 | — | 9 | 132 |
| FY2020 | 11 | $8.6M | $248K | 3 | $6.0M | 14 | 120 |
| FY2019 | 8 | $4.6M | $426K | 2 | — | 10 | 47 |
| FY2018 | 7 | $5.0M | $212K | 2 | — | 9 | 128 |
| FY2017 | 10 | $9.2M | $648K | 0 | — | 10 | 53 |
| FY2016 | 6 | $3.2M | $411K | 1 | — | 7 | 89 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 50 approvals.
Against Georgia and the country
| FY2021–FY2025 | Jackson County | Georgia | United States |
|---|---|---|---|
| Approvals | 63 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 37.7 | 39.2 | 41.0 |
| Median 7(a) approval | $413K | $350K | $190K |
| Median 504 approval | $1.8M | $820K | $657K |
| Average approval | $1.0M | $803K | $573K |
| 504 share of approvals | 11.1% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 10.5 | 11.4 | 10.5 |
| Share of state approvals | 0.6% | 100.0% | — |
Approval sizes
- $50,000 or less14.3%9
- $50,001 to $150,0009.5%6
- $150,001 to $350,00014.3%9
- $350,001 to $1 million33.3%21
- $1 million to $2 million11.1%7
- Over $2 million17.5%11
Age of the businesses
- Existing, more than 2 years old36.5%23
- New business, 2 years or less25.4%16
- Startup, loan funds will open the business25.4%16
- Change of ownership12.7%8
Questions and answers
Which lenders make the most SBA loans in Jackson County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (6), Metro City Bank (4), Small Business Access Partners, Inc. (4), The Huntington National Bank (4), Loyal Trust Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Jackson County?
The median 7(a) approval was $413K and the median 504 approval $1.8M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Jackson County?
Restaurants and Other Eating Places (9); Other Amusement and Recreation Industries (5); Poultry and Egg Production (3); Other Personal Services (3); Automotive Repair and Maintenance (3).
Is SBA lending in Jackson County rising?
Approvals in the three latest complete fiscal years total 44, against 33 in the three before: rising (+33%).
How does Jackson County compare with the rest of Georgia?
37.7 approvals per 1,000 establishments against 39.2 statewide, and 63 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