States › Georgia › Paulding County
County22nd of 149 in Georgia by approvalsFIPS 13223
SBA loans in Paulding 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 Paulding County, Georgia, received 97 SBA loan approvals worth $83.0M in FY2021 to FY2025 (90 7(a), 7 504).
That is 40.0 approvals per 1,000 business establishments (2,423 establishments in 2023), close to the Georgia figure of 39.2 and close to the national 41.0.
It ranks 22nd of 149 Georgia counties with approvals. In FY2025 there were 29, up 45% on FY2024.
43 lenders had approvals here; the most active were Northeast Bank (8), The Huntington National Bank (5) and Readycap Lending, LLC (5). 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 Paulding County
By number of approvals to businesses in the county, FY2021–FY2025; 43 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Northeast BankLewiston, ME | 8 | $1.2M | 8.2% | |
| 2 | The Huntington National BankColumbus, OH | 5 | $1.6M | 5.2% | |
| 3 | Readycap Lending, LLCBerkeley Heights, NJ | 5 | $1.4M | 5.2% | |
| 4 | Wells Fargo Bank National AssociationSioux Falls, SD | 5 | $568K | 5.2% | |
| 5 | Newtek Bank, National AssociationMiami, FL | 5 | $405K | 5.2% | |
| 6 | SouthState Bank, National AssociationWinter Haven, FL | 4 | $4.4M | 4.1% | |
| 7 | United Community BankGreenville, SC | 4 | $3.1M | 4.1% | |
| 8 | JPMorgan Chase Bank, National AssociationColumbus, OH | 4 | $222K | 4.1% | |
| 9 | American Commerce Bank, National AssociationBremen, GA | 3 | $11.6M | 3.1% | |
| 10 | Pinnacle BankNashville, TN | 3 | $7.0M | 3.1% | |
| 11 | Live Oak Banking CompanyWilmington, NC | 3 | $6.6M | 3.1% | |
| 12 | Capital Partners Certified Development CompanyAtlanta, GA · CDC | 3 | $5.1M | 3.1% | |
| 13 | Georgia's Own Credit UnionAtlanta, GA | 3 | $4.4M | 3.1% | |
| 14 | First National Community BankChatsworth, GA | 3 | $1.2M | 3.1% | |
| 15 | Bank of America, National AssociationCharlotte, NC | 3 | $787K | 3.1% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 15 | 15.5% | |
| 2 | Gasoline StationsNAICS 4571 | 6 | 6.2% | |
| 3 | Beer, Wine, and Liquor StoresNAICS 4453 | 5 | 5.2% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 5 | 5.2% | |
| 5 | Residential Building ConstructionNAICS 2361 | 5 | 5.2% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 4 | 4.1% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.1% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 3 | 3.1% | |
| 9 | Gasoline StationsNAICS 4471 | 2 | 2.1% | |
| 10 | Offices of PhysiciansNAICS 6211 | 2 | 2.1% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 22 | 22.7% | |
| 2 | Accommodation and Food Services | 16 | 16.5% | |
| 3 | Construction | 11 | 11.3% | |
| 4 | Other Services (except Public Administration) | 10 | 10.3% | |
| 5 | Health Care and Social Assistance | 8 | 8.2% | |
| 6 | Transportation and Warehousing | 5 | 5.2% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 4 | 4.1% | |
| 8 | Wholesale Trade | 4 | 4.1% |
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 | $3.5M | $213K | 0 | — | 10 | 92 |
| FY2025 | 28 | $8.6M | $150K | 1 | — | 29 | 182 |
| FY2024 | 18 | $14.1M | $495K | 2 | — | 20 | 275 |
| FY2023 | 16 | $11.1M | $285K | 2 | — | 18 | 216 |
| FY2022 | 13 | $14.7M | $343K | 1 | — | 14 | 105 |
| FY2021 | 15 | $27.3M | $1.6M | 1 | — | 16 | 351 |
| FY2020 | 9 | $3.6M | $320K | 2 | — | 11 | 63 |
| FY2019 | 19 | $15.8M | $310K | 2 | — | 21 | 246 |
| FY2018 | 19 | $13.8M | $400K | 2 | — | 21 | 289 |
| FY2017 | 19 | $7.7M | $150K | 2 | — | 21 | 127 |
| FY2016 | 26 | $11.1M | $207K | 1 | — | 27 | 309 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 101 approvals.
Against Georgia and the country
| FY2021–FY2025 | Paulding County | Georgia | United States |
|---|---|---|---|
| Approvals | 97 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 40.0 | 39.2 | 41.0 |
| Median 7(a) approval | $333K | $350K | $190K |
| Median 504 approval | $870K | $820K | $657K |
| Average approval | $855K | $803K | $573K |
| 504 share of approvals | 7.2% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 11.6 | 11.4 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less17.5%17
- $50,001 to $150,00016.5%16
- $150,001 to $350,00021.6%21
- $350,001 to $1 million15.5%15
- $1 million to $2 million16.5%16
- Over $2 million12.4%12
Age of the businesses
- Existing, more than 2 years old51.5%50
- New business, 2 years or less12.4%12
- Startup, loan funds will open the business24.7%24
- Change of ownership11.3%11
Questions and answers
Which lenders make the most SBA loans in Paulding County?
By approvals in FY2021 to FY2025: Northeast Bank (8), The Huntington National Bank (5), Readycap Lending, LLC (5), Wells Fargo Bank National Association (5), Newtek Bank, National Association (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Paulding County?
The median 7(a) approval was $333K and the median 504 approval $870K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Paulding County?
Restaurants and Other Eating Places (15); Gasoline Stations (6); Beer, Wine, and Liquor Stores (5); Automotive Repair and Maintenance (5); Residential Building Construction (5).
Is SBA lending in Paulding County rising?
Approvals in the three latest complete fiscal years total 67, against 41 in the three before: rising (+63%).
How does Paulding County compare with the rest of Georgia?
40.0 approvals per 1,000 establishments against 39.2 statewide, and 97 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