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County14th of 149 in Georgia by approvalsFIPS 13247
SBA loans in Rockdale 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 125 loans to businesses in Rockdale County, Georgia, in FY2021 to FY2025, worth $121M: 116 under 7(a) and 9 under 504.
That is 55.4 approvals per 1,000 business establishments (2,256 establishments in 2023), above the Georgia figure of 39.2 and above the national 41.0.
It ranks 14th of 149 Georgia counties with approvals. In FY2025 there were 39, up 30% on FY2024.
58 lenders had approvals here; the most active were Wells Fargo Bank National Association (10), Northeast Bank (9) and Harvest Small Business Finance, LLC (6). The most common industry was general freight trucking.
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 Rockdale County
By number of approvals to businesses in the county, FY2021–FY2025; 58 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National AssociationSioux Falls, SD | 10 | $4.6M | 8.0% | |
| 2 | Northeast BankLewiston, ME | 9 | $613K | 7.2% | |
| 3 | Harvest Small Business Finance, LLCLaguna Hills, CA | 6 | $5.2M | 4.8% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 6 | $1.3M | 4.8% | |
| 5 | BayFirst National BankSaint Petersburg, FL | 5 | $599K | 4.0% | |
| 6 | Metro City BankDoraville, GA | 4 | $17.7M | 3.2% | |
| 7 | First Community BankLexington, SC | 4 | $13.7M | 3.2% | |
| 8 | Pinnacle BankNashville, TN | 4 | $2.2M | 3.2% | |
| 9 | The Huntington National BankColumbus, OH | 4 | $2.0M | 3.2% | |
| 10 | Readycap Lending, LLCBerkeley Heights, NJ | 4 | $1.1M | 3.2% | |
| 11 | Lendistry SBLC, LLCLos Angeles, CA | 4 | $454K | 3.2% | |
| 12 | PromiseOne BankDuluth, GA | 3 | $8.9M | 2.4% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 3 | $7.4M | 2.4% | |
| 14 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 3 | $3.7M | 2.4% | |
| 15 | TowneBankPortsmouth, VA | 3 | $2.3M | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | General Freight TruckingNAICS 4841 | 11 | 8.8% | |
| 2 | Restaurants and Other Eating PlacesNAICS 7225 | 9 | 7.2% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 7 | 5.6% | |
| 4 | Beer, Wine, and Liquor StoresNAICS 4453 | 6 | 4.8% | |
| 5 | Child Day Care ServicesNAICS 6244 | 6 | 4.8% | |
| 6 | Traveler AccommodationNAICS 7211 | 5 | 4.0% | |
| 7 | Gasoline StationsNAICS 4571 | 5 | 4.0% | |
| 8 | Gasoline StationsNAICS 4471 | 4 | 3.2% | |
| 9 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 4 | 3.2% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 4 | 3.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Retail Trade | 24 | 19.2% | |
| 2 | Health Care and Social Assistance | 18 | 14.4% | |
| 3 | Transportation and Warehousing | 15 | 12.0% | |
| 4 | Accommodation and Food Services | 14 | 11.2% | |
| 5 | Other Services (except Public Administration) | 12 | 9.6% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 7 | 5.6% | |
| 7 | Construction | 6 | 4.8% | |
| 8 | Manufacturing | 5 | 4.0% |
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* | 13 | $15.1M | $720K | 1 | — | 14 | 152 |
| FY2025 | 38 | $31.3M | $295K | 1 | — | 39 | 528 |
| FY2024 | 28 | $17.2M | $101K | 2 | — | 30 | 249 |
| FY2023 | 11 | $8.6M | $530K | 3 | $2.8M | 14 | 123 |
| FY2022 | 20 | $19.7M | $432K | 1 | — | 21 | 222 |
| FY2021 | 19 | $31.3M | $1.1M | 2 | — | 21 | 296 |
| FY2020 | 11 | $9.8M | $294K | 1 | — | 12 | 67 |
| FY2019 | 10 | $7.9M | $400K | 2 | — | 12 | 103 |
| FY2018 | 22 | $9.5M | $210K | 1 | — | 23 | 209 |
| FY2017 | 15 | $13.6M | $350K | 0 | — | 15 | 128 |
| FY2016 | 15 | $9.1M | $378K | 1 | — | 16 | 73 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 78 approvals.
Against Georgia and the country
| FY2021–FY2025 | Rockdale County | Georgia | United States |
|---|---|---|---|
| Approvals | 125 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 55.4 | 39.2 | 41.0 |
| Median 7(a) approval | $387K | $350K | $190K |
| Median 504 approval | $1.1M | $820K | $657K |
| Average approval | $965K | $803K | $573K |
| 504 share of approvals | 7.2% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 11.3 | 11.4 | 10.5 |
| Share of state approvals | 1.2% | 100.0% | — |
Approval sizes
- $50,000 or less19.2%24
- $50,001 to $150,00014.4%18
- $150,001 to $350,00011.2%14
- $350,001 to $1 million28.0%35
- $1 million to $2 million12.8%16
- Over $2 million14.4%18
Age of the businesses
- Existing, more than 2 years old62.4%78
- New business, 2 years or less14.4%18
- Startup, loan funds will open the business14.4%18
- Change of ownership8.0%10
- Not answered0.8%1
Questions and answers
Which lenders make the most SBA loans in Rockdale County?
By approvals in FY2021 to FY2025: Wells Fargo Bank National Association (10), Northeast Bank (9), Harvest Small Business Finance, LLC (6), Newtek Bank, National Association (6), BayFirst National Bank (5). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Rockdale County?
The median 7(a) approval was $387K and the median 504 approval $1.1M; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Rockdale County?
General Freight Trucking (11); Restaurants and Other Eating Places (9); Automotive Repair and Maintenance (7); Beer, Wine, and Liquor Stores (6); Child Day Care Services (6).
Is SBA lending in Rockdale County rising?
Approvals in the three latest complete fiscal years total 83, against 54 in the three before: rising (+54%).
How does Rockdale County compare with the rest of Georgia?
55.4 approvals per 1,000 establishments against 39.2 statewide, and 125 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