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County13th of 149 in Georgia by approvalsFIPS 13215
SBA loans in Muscogee 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 Muscogee County, Georgia, received 126 SBA loan approvals worth $109M in FY2021 to FY2025 (112 7(a), 14 504).
That is 27.9 approvals per 1,000 business establishments (4,510 establishments in 2023), below the Georgia figure of 39.2 and below the national 41.0.
It ranks 13th of 149 Georgia counties with approvals. In FY2025 there were 36, up 29% on FY2024.
48 lenders had approvals here; the most active were The Huntington National Bank (9), Wells Fargo Bank National Association (9) and Florida Business Development Corporation (7). 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 Muscogee County
By number of approvals to businesses in the county, FY2021–FY2025; 48 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | The Huntington National BankColumbus, OH | 9 | $3.0M | 7.1% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 9 | $354K | 7.1% | |
| 3 | Florida Business Development CorporationTampa, FL · CDC | 7 | $4.6M | 5.6% | |
| 4 | Pinnacle BankNashville, TN | 7 | $3.9M | 5.6% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 7 | $1.4M | 5.6% | |
| 6 | Colony BankFitzgerald, GA | 6 | $4.9M | 4.8% | |
| 7 | Northeast BankLewiston, ME | 6 | $948K | 4.8% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 5 | $6.1M | 4.0% | |
| 9 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 4 | $2.6M | 3.2% | |
| 10 | Newtek Bank, National AssociationMiami, FL | 4 | $2.6M | 3.2% | |
| 11 | FirstBankNashville, TN | 4 | $1.7M | 3.2% | |
| 12 | GBankLas Vegas, NV | 3 | $10.4M | 2.4% | |
| 13 | Metro City BankDoraville, GA | 3 | $9.8M | 2.4% | |
| 14 | Live Oak Banking CompanyWilmington, NC | 3 | $6.5M | 2.4% | |
| 15 | Bankwell BankNew Canaan, CT | 3 | $3.7M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 19 | 15.1% | |
| 2 | Traveler AccommodationNAICS 7211 | 7 | 5.6% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 6 | 4.8% | |
| 4 | Other Amusement and Recreation IndustriesNAICS 7139 | 6 | 4.8% | |
| 5 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 6 | 4.8% | |
| 6 | Personal Care ServicesNAICS 8121 | 5 | 4.0% | |
| 7 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 4 | 3.2% | |
| 8 | Offices of Other Health PractitionersNAICS 6213 | 4 | 3.2% | |
| 9 | Health and Personal Care RetailersNAICS 4561 | 3 | 2.4% | |
| 10 | Other Specialty Trade ContractorsNAICS 2389 | 3 | 2.4% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 28 | 22.2% | |
| 2 | Retail Trade | 20 | 15.9% | |
| 3 | Other Services (except Public Administration) | 12 | 9.5% | |
| 4 | Professional, Scientific, and Technical Services | 11 | 8.7% | |
| 5 | Health Care and Social Assistance | 10 | 7.9% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 9 | 7.1% | |
| 7 | Arts, Entertainment, and Recreation | 7 | 5.6% | |
| 8 | Construction | 7 | 5.6% |
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* | 11 | $8.3M | $250K | 3 | $2.0M | 14 | 311 |
| FY2025 | 35 | $16.9M | $350K | 1 | — | 36 | 447 |
| FY2024 | 26 | $21.1M | $376K | 2 | — | 28 | 288 |
| FY2023 | 18 | $14.6M | $328K | 3 | $2.6M | 21 | 219 |
| FY2022 | 19 | $19.3M | $350K | 4 | $3.7M | 23 | 300 |
| FY2021 | 14 | $26.4M | $1.3M | 4 | $3.3M | 18 | 245 |
| FY2020 | 5 | $5.4M | $690K | 3 | $1.4M | 8 | 89 |
| FY2019 | 13 | $13.9M | $275K | 1 | — | 14 | 276 |
| FY2018 | 16 | $15.7M | $443K | 3 | $3.1M | 19 | 273 |
| FY2017 | 13 | $8.0M | $195K | 2 | — | 15 | 93 |
| FY2016 | 20 | $8.0M | $169K | 3 | $3.5M | 23 | 357 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 79 approvals.
Against Georgia and the country
| FY2021–FY2025 | Muscogee County | Georgia | United States |
|---|---|---|---|
| Approvals | 126 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 27.9 | 39.2 | 41.0 |
| Median 7(a) approval | $376K | $350K | $190K |
| Median 504 approval | $474K | $820K | $657K |
| Average approval | $865K | $803K | $573K |
| 504 share of approvals | 11.1% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 11.9 | 11.4 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less19.0%24
- $50,001 to $150,00012.7%16
- $150,001 to $350,00014.3%18
- $350,001 to $1 million27.8%35
- $1 million to $2 million12.7%16
- Over $2 million13.5%17
Age of the businesses
- Existing, more than 2 years old35.7%45
- New business, 2 years or less17.5%22
- Startup, loan funds will open the business27.0%34
- Change of ownership18.3%23
- Not answered1.6%2
Questions and answers
Which lenders make the most SBA loans in Muscogee County?
By approvals in FY2021 to FY2025: The Huntington National Bank (9), Wells Fargo Bank National Association (9), Florida Business Development Corporation (7), Pinnacle Bank (7), Readycap Lending, LLC (7). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Muscogee County?
The median 7(a) approval was $376K and the median 504 approval $474K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Muscogee County?
Restaurants and Other Eating Places (19); Traveler Accommodation (7); Automotive Repair and Maintenance (6); Other Amusement and Recreation Industries (6); Accounting, Tax Preparation, Bookkeeping, and Payroll Services (6).
Is SBA lending in Muscogee County rising?
Approvals in the three latest complete fiscal years total 85, against 49 in the three before: rising (+73%).
How does Muscogee County compare with the rest of Georgia?
27.9 approvals per 1,000 establishments against 39.2 statewide, and 126 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