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County34th of 149 in Georgia by approvalsFIPS 13219
SBA loans in Oconee 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 51 loans to businesses in Oconee County, Georgia, in FY2021 to FY2025, worth $34.6M: 41 under 7(a) and 10 under 504.
That is 35.0 approvals per 1,000 business establishments (1,458 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 34th of 149 Georgia counties with approvals. In FY2025 there were 14.
24 lenders had approvals here; the most active were Oconee State Bank (6), CSRA Local Development Corporation (5) and Wells Fargo Bank National Association (4). The most common industry was other amusement and recreation industries.
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 Oconee County
By number of approvals to businesses in the county, FY2021–FY2025; 24 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Oconee State BankWatkinsville, GA | 6 | $1.5M | 11.8% | |
| 2 | CSRA Local Development CorporationAugusta, GA · CDC | 5 | $7.1M | 9.8% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 4 | $5.7M | 7.8% | |
| 4 | The Huntington National BankColumbus, OH | 4 | $1.2M | 7.8% | |
| 5 | Florida Business Development CorporationTampa, FL · CDC | 3 | $4.6M | 5.9% | |
| 6 | Live Oak Banking CompanyWilmington, NC | 3 | $1.5M | 5.9% | |
| 7 | The Commercial BankCrawford, GA | 3 | $737K | 5.9% | |
| 8 | Vallant BankElberton, GA | 2 | — | 3.9% | |
| 9 | Ameris BankAtlanta, GA | 2 | — | 3.9% | |
| 10 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 2 | — | 3.9% | |
| 11 | Newtek Bank, National AssociationMiami, FL | 2 | — | 3.9% | |
| 12 | Pinnacle BankNashville, TN | 2 | — | 3.9% | |
| 13 | First Bank of the LakeOsage Beach, MO | 2 | — | 3.9% | |
| 14 | Bank of America, National AssociationCharlotte, NC | 1 | — | 2.0% | |
| 15 | Flint Community BankAlbany, GA | 1 | — | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Other Amusement and Recreation IndustriesNAICS 7139 | 7 | 13.7% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 5 | 9.8% | |
| 3 | Other Personal ServicesNAICS 8129 | 3 | 5.9% | |
| 4 | Home Health Care ServicesNAICS 6216 | 3 | 5.9% | |
| 5 | Offices of PhysiciansNAICS 6211 | 2 | 3.9% | |
| 6 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 3.9% | |
| 7 | Child Day Care ServicesNAICS 6244 | 2 | 3.9% | |
| 8 | Lessors of Real EstateNAICS 5311 | 2 | 3.9% | |
| 9 | Services to Buildings and DwellingsNAICS 5617 | 2 | 3.9% | |
| 10 | Furniture and Home Furnishings RetailersNAICS 4491 | 2 | 3.9% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 9 | 17.6% | |
| 2 | Accommodation and Food Services | 7 | 13.7% | |
| 3 | Arts, Entertainment, and Recreation | 7 | 13.7% | |
| 4 | Retail Trade | 7 | 13.7% | |
| 5 | Other Services (except Public Administration) | 5 | 9.8% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 4 | 7.8% | |
| 7 | Real Estate and Rental and Leasing | 4 | 7.8% | |
| 8 | Professional, Scientific, and Technical Services | 3 | 5.9% |
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 | $2.4M | $200K | 1 | — | 6 | 32 |
| FY2025 | 9 | $8.1M | $434K | 5 | $8.6M | 14 | 98 |
| FY2024 | 8 | $4.0M | $200K | 1 | — | 9 | 227 |
| FY2023 | 10 | $2.8M | $260K | 0 | — | 10 | 56 |
| FY2022 | 1 | — | — | 1 | — | 2 | 24 |
| FY2021 | 13 | $6.6M | $528K | 3 | $3.3M | 16 | 116 |
| FY2020 | 5 | $2.9M | $410K | 0 | — | 5 | 15 |
| FY2019 | 6 | $2.3M | $314K | 0 | — | 6 | 103 |
| FY2018 | 4 | $1.5M | $405K | 1 | — | 5 | 28 |
| FY2017 | 7 | $4.3M | $132K | 1 | — | 8 | 91 |
| FY2016 | 5 | $1.1M | $275K | 1 | — | 6 | 77 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 30 approvals.
Against Georgia and the country
| FY2021–FY2025 | Oconee County | Georgia | United States |
|---|---|---|---|
| Approvals | 51 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 35.0 | 39.2 | 41.0 |
| Median 7(a) approval | $300K | $350K | $190K |
| Median 504 approval | $530K | $820K | $657K |
| Average approval | $677K | $803K | $573K |
| 504 share of approvals | 19.6% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 10.2 | 11.4 | 10.5 |
| Share of state approvals | 0.5% | 100.0% | — |
Approval sizes
- $50,000 or less7.8%4
- $50,001 to $150,00019.6%10
- $150,001 to $350,00015.7%8
- $350,001 to $1 million39.2%20
- $1 million to $2 million7.8%4
- Over $2 million9.8%5
Age of the businesses
- Existing, more than 2 years old37.3%19
- New business, 2 years or less13.7%7
- Startup, loan funds will open the business41.2%21
- Change of ownership7.8%4
Questions and answers
Which lenders make the most SBA loans in Oconee County?
By approvals in FY2021 to FY2025: Oconee State Bank (6), CSRA Local Development Corporation (5), Wells Fargo Bank National Association (4), The Huntington National Bank (4), Florida Business Development Corporation (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Oconee County?
The median 7(a) approval was $300K and the median 504 approval $530K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Oconee County?
Other Amusement and Recreation Industries (7); Restaurants and Other Eating Places (5); Other Personal Services (3); Home Health Care Services (3); Offices of Physicians (2).
Is SBA lending in Oconee County rising?
Approvals in the three latest complete fiscal years total 33, against 23 in the three before: rising (+43%).
How does Oconee County compare with the rest of Georgia?
35.0 approvals per 1,000 establishments against 39.2 statewide, and 51 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