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County24th of 149 in Georgia by approvalsFIPS 13297
SBA loans in Walton 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 93 loans to businesses in Walton County, Georgia, in FY2021 to FY2025, worth $63.9M: 82 under 7(a) and 11 under 504.
That is 46.5 approvals per 1,000 business establishments (2,000 establishments in 2023), above the Georgia figure of 39.2 and close to the national 41.0.
It ranks 24th of 149 Georgia counties with approvals. In FY2025 there were 16, down 41% on FY2024.
39 lenders had approvals here; the most active were Pinnacle Bank (9), Wells Fargo Bank National Association (7) and The Huntington National Bank (6). 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 Walton County
By number of approvals to businesses in the county, FY2021–FY2025; 39 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Pinnacle BankNashville, TN | 9 | $12.9M | 9.7% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 7 | $100K | 7.5% | |
| 3 | The Huntington National BankColumbus, OH | 6 | $2.3M | 6.5% | |
| 4 | Northeast BankLewiston, ME | 6 | $1.1M | 6.5% | |
| 5 | New Millennium BankFort Lee, NJ | 4 | $5.6M | 4.3% | |
| 6 | Georgia's Own Credit UnionAtlanta, GA | 4 | $3.9M | 4.3% | |
| 7 | CSRA Local Development CorporationAugusta, GA · CDC | 4 | $2.6M | 4.3% | |
| 8 | SouthState Bank, National AssociationWinter Haven, FL | 4 | $2.1M | 4.3% | |
| 9 | HomeTrust BankAsheville, NC | 4 | $1.6M | 4.3% | |
| 10 | Harvest Small Business Finance, LLCLaguna Hills, CA | 3 | $3.1M | 3.2% | |
| 11 | Small Business Access Partners, Inc.Gainesville, GA · CDC | 3 | $2.9M | 3.2% | |
| 12 | Newtek Bank, National AssociationMiami, FL | 3 | $917K | 3.2% | |
| 13 | BayFirst National BankSaint Petersburg, FL | 3 | $450K | 3.2% | |
| 14 | Metro City BankDoraville, GA | 2 | — | 2.2% | |
| 15 | Vallant BankElberton, GA | 2 | — | 2.2% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 23 | 24.7% | |
| 2 | Child Day Care ServicesNAICS 6244 | 7 | 7.5% | |
| 3 | Gasoline StationsNAICS 4571 | 5 | 5.4% | |
| 4 | Wholesale Electronic Markets and Agents and BrokersNAICS 4251 | 3 | 3.2% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 3 | 3.2% | |
| 6 | Personal Care ServicesNAICS 8121 | 3 | 3.2% | |
| 7 | Gasoline StationsNAICS 4471 | 3 | 3.2% | |
| 8 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.2% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 3.2% | |
| 10 | Waste Treatment and DisposalNAICS 5622 | 2 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 24 | 25.8% | |
| 2 | Health Care and Social Assistance | 15 | 16.1% | |
| 3 | Retail Trade | 14 | 15.1% | |
| 4 | Construction | 10 | 10.8% | |
| 5 | Other Services (except Public Administration) | 7 | 7.5% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 6 | 6.5% | |
| 7 | Wholesale Trade | 6 | 6.5% | |
| 8 | Professional, Scientific, and Technical Services | 4 | 4.3% |
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* | 6 | $3.0M | $433K | 1 | — | 7 | 23 |
| FY2025 | 15 | $4.8M | $260K | 1 | — | 16 | 120 |
| FY2024 | 25 | $14.2M | $250K | 2 | — | 27 | 147 |
| FY2023 | 13 | $9.8M | $396K | 0 | — | 13 | 149 |
| FY2022 | 14 | $13.1M | $463K | 7 | $5.7M | 21 | 227 |
| FY2021 | 15 | $14.0M | $566K | 1 | — | 16 | 173 |
| FY2020 | 11 | $4.9M | $150K | 3 | $2.5M | 14 | 71 |
| FY2019 | 9 | $5.8M | $305K | 3 | $2.6M | 12 | 87 |
| FY2018 | 15 | $11.9M | $350K | 2 | — | 17 | 213 |
| FY2017 | 3 | $867K | $150K | 1 | — | 4 | 125 |
| FY2016 | 14 | $4.1M | $100K | 1 | — | 15 | 92 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 62 approvals.
Against Georgia and the country
| FY2021–FY2025 | Walton County | Georgia | United States |
|---|---|---|---|
| Approvals | 93 | 10,246 | 342,825 |
| Approvals per 1,000 establishments | 46.5 | 39.2 | 41.0 |
| Median 7(a) approval | $360K | $350K | $190K |
| Median 504 approval | $778K | $820K | $657K |
| Average approval | $687K | $803K | $573K |
| 504 share of approvals | 11.8% | 10.1% | 11.0% |
| Jobs supported per approval, as reported | 8.8 | 11.4 | 10.5 |
| Share of state approvals | 0.9% | 100.0% | — |
Approval sizes
- $50,000 or less14.0%13
- $50,001 to $150,00016.1%15
- $150,001 to $350,00015.1%14
- $350,001 to $1 million37.6%35
- $1 million to $2 million11.8%11
- Over $2 million5.4%5
Age of the businesses
- Existing, more than 2 years old53.8%50
- New business, 2 years or less21.5%20
- Startup, loan funds will open the business21.5%20
- Change of ownership3.2%3
Questions and answers
Which lenders make the most SBA loans in Walton County?
By approvals in FY2021 to FY2025: Pinnacle Bank (9), Wells Fargo Bank National Association (7), The Huntington National Bank (6), Northeast Bank (6), New Millennium Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Walton County?
The median 7(a) approval was $360K and the median 504 approval $778K; the Georgia 7(a) median was $350K.
Which industries get the most SBA loans in Walton County?
Restaurants and Other Eating Places (23); Child Day Care Services (7); Gasoline Stations (5); Wholesale Electronic Markets and Agents and Brokers (3); Automotive Repair and Maintenance (3).
Is SBA lending in Walton County rising?
Approvals in the three latest complete fiscal years total 56, against 51 in the three before: rising (+10%).
How does Walton County compare with the rest of Georgia?
46.5 approvals per 1,000 establishments against 39.2 statewide, and 93 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