Lenders › Ameris Bank
7(a) lenderAtlanta, GeorgiaFDIC-insured bank157th of 2,184 by approvals
Ameris Bank
SBA 7(a) loan approvals by fiscal year, where they went, how large they were, and how loans from earlier years turned out.
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.
In FY2021 to FY2025 SBA approved 244 7(a) loans, worth $273M, through Ameris Bank of Atlanta, Georgia, an FDIC-insured bank in the SBA 7(a) program. By number of approvals that is 157th among 2,184 active 7(a) lenders.
In FY2025, the latest complete fiscal year, it had 10 approvals totalling $16.9M, down 37% on FY2024 (16). FY2026 to 30 Jun 2026 adds 11 more.
The median approval was $723K, against $190K for the 7(a) program as a whole; 0.4% of its approvals were for $150,000 or less (program: 47.8%).
Its loans went to businesses in 36 states and territories and 142 counties, led by Georgia (25.0%), Florida (17.6%) and Texas (7.8%). The largest industry group was accommodation and food services at 25.0% of approvals, and 41.4% of approvals were to franchise businesses.
Of 1,531 disbursed loans approved in FY2010 to FY2021, SBA records 84 as charged off (5.5%), 1,227 as paid in full and 220 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it.
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. Loans appear under the lender they are assigned to today, so a lender's figures include loans it took over. Data through 30 Jun 2026.
Approvals by fiscal year
| Fiscal year | Approvals | Dollars approved | Median approval | Average approval | Jobs supported, as reported |
|---|---|---|---|---|---|
| FY2026* | 11 | $14.4M | $1.0M | $1.3M | 157 |
| FY2025 | 10 | $16.9M | $1.1M | $1.7M | 186 |
| FY2024 | 16 | $16.2M | $734K | $1.0M | 293 |
| FY2023 | 46 | $54.8M | $869K | $1.2M | 639 |
| FY2022 | 52 | $54.5M | $696K | $1.0M | 975 |
| FY2021 | 120 | $130M | $633K | $1.1M | 1,873 |
| FY2020 | 78 | $69.9M | $613K | $897K | 1,127 |
| FY2019 | 133 | $113M | $500K | $848K | 2,365 |
| FY2018 | 175 | $156M | $610K | $893K | 2,381 |
| FY2017 | 164 | $162M | $510K | $988K | 2,109 |
| FY2016 | 150 | $135M | $454K | $903K | 2,446 |
Approvals are counted in the year SBA approved them and include approvals later cancelled. In the five fiscal years before the current window (FY2016–FY2020) the lender had 700 approvals. First approval on file: FY2010.
How earlier loans turned out
Only loans approved at least five fiscal years ago (FY2010–FY2021) are counted, because newer loans have had little time to be paid in full or charged off. "Charged off" is SBA's status for a loan on which it has written off the remaining balance.
| Loans approved FY2010–FY2021 | This lender | Georgia | 7(a) program |
|---|---|---|---|
| Approvals in these years | 1,815 | 17,911 | 639,905 |
| Cancelled or never disbursed | 284 | 2,110 | 79,313 |
| Disbursed loans | 1,531 | 15,801 | 560,592 |
| Paid in full | 1,227 | 11,453 | 435,813 |
| Charged off | 84 | 1,077 | 36,891 |
| Still outstanding (status exempt from disclosure) | 220 | 3,271 | 87,888 |
| Charged off, share of disbursed loans | 5.5% | 6.8% | 6.6% |
| Dollars charged off, share of disbursed dollars | 2.0% | 2.0% | 2.5% |
| Dollars charged off | $25.0M | $230M | $5.70bn |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 7(a) program, same year |
|---|---|---|---|---|---|
| FY2021 | 95 | 62 | 0 | 0.0% | 2.8% |
| FY2020 | 65 | 44 | 0 | 0.0% | 4.0% |
| FY2019 | 112 | 78 | 1 | 0.9% | 6.7% |
| FY2018 | 150 | 99 | 9 | 6.0% | 7.9% |
| FY2017 | 139 | 98 | 10 | 7.2% | 7.7% |
| FY2016 | 133 | 111 | 5 | 3.8% | 7.2% |
| FY2015 | 197 | 165 | 17 | 8.6% | 6.9% |
| FY2014 | 195 | 167 | 17 | 8.7% | 6.4% |
| FY2013 | 151 | 134 | 9 | 6.0% | 6.0% |
| FY2012 | 95 | 87 | 5 | 5.3% | 6.3% |
| FY2011 | 118 | 109 | 6 | 5.1% | 6.9% |
| FY2010 | 81 | 73 | 5 | 6.2% | 9.2% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 7(a) program
| FY2021–FY2025 | This lender | 7(a) program |
|---|---|---|
| Median approval | $723K | $190K |
| Average approval | $1.1M | $518K |
| Approvals of $150,000 or less | 0.4% | 47.8% |
| Approvals to startups and businesses 2 years old or less | 54.5% | 34.3% |
| Approvals to franchise businesses | 41.4% | 11.5% |
| Jobs supported per approval, as reported | 16.3 | 10.5 |
| Charged off, loans approved FY2010–FY2021 | 5.5% | 6.6% |
States served
| # | State of the business (36 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia | 61 | $77.6M | 25.0% | |
| 2 | Florida | 43 | $47.3M | 17.6% | |
| 3 | Texas | 19 | $19.1M | 7.8% | |
| 4 | California | 19 | $16.0M | 7.8% | |
| 5 | Massachusetts | 13 | $16.0M | 5.3% | |
| 6 | North Carolina | 12 | $25.1M | 4.9% | |
| 7 | Virginia | 11 | $11.2M | 4.5% | |
| 8 | Arizona | 6 | $6.0M | 2.5% | |
| 9 | South Carolina | 5 | $11.0M | 2.0% | |
| 10 | Tennessee | 5 | $4.5M | 2.0% | |
| 11 | Colorado | 5 | $2.8M | 2.0% | |
| 12 | Michigan | 4 | $3.0M | 1.6% |
In Georgia the lender accounts for 0.7% of all 7(a) approvals in FY2021–FY2025.
Counties served
| # | County of the business (142 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Fulton County, GA | 20 | $22.9M | 8.2% | |
| 2 | Duval County, FL | 8 | $9.5M | 3.3% | |
| 3 | Harris County, TX | 6 | $10.7M | 2.5% | |
| 4 | Maricopa County, AZ | 6 | $6.0M | 2.5% | |
| 5 | Gwinnett County, GA | 5 | $9.7M | 2.0% | |
| 6 | Camden County, GA | 5 | $5.8M | 2.0% | |
| 7 | Los Angeles County, CA | 5 | $4.7M | 2.0% | |
| 8 | San Diego County, CA | 5 | $2.3M | 2.0% | |
| 9 | Worcester County, MA | 4 | $6.5M | 1.6% | |
| 10 | DeKalb County, GA | 4 | $4.2M | 1.6% | |
| 11 | Henderson County, NC | 3 | $11.9M | 1.2% | |
| 12 | Marion County, FL | 3 | $4.2M | 1.2% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 61 | 25.0% | |
| 2 | Retail Trade | 39 | 16.0% | |
| 3 | Other Services (except Public Administration) | 25 | 10.2% | |
| 4 | Arts, Entertainment, and Recreation | 25 | 10.2% | |
| 5 | Health Care and Social Assistance | 23 | 9.4% | |
| 6 | Manufacturing | 17 | 7.0% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 16 | 6.6% | |
| 8 | Professional, Scientific, and Technical Services | 9 | 3.7% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 43 | 17.6% | |
| 2 | Other Amusement and Recreation IndustriesNAICS 7139 | 23 | 9.4% | |
| 3 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 14 | 5.7% | |
| 4 | Automotive Repair and MaintenanceNAICS 8111 | 9 | 3.7% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 8 | 3.3% | |
| 6 | Gasoline StationsNAICS 4571 | 7 | 2.9% | |
| 7 | Personal Care ServicesNAICS 8121 | 7 | 2.9% | |
| 8 | Gasoline StationsNAICS 4471 | 6 | 2.5% | |
| 9 | Child Day Care ServicesNAICS 6244 | 6 | 2.5% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 6 | 2.5% |
Approval sizes
- $50,000 or less0.4%1
- $150,001 to $350,0004.9%12
- $350,001 to $1 million61.5%150
- $1 million to $2 million16.0%39
- Over $2 million17.2%42
Loan terms
- 5 years or less0.4%1
- Over 5 to 10 years33.2%81
- Over 10 to 20 years26.2%64
- Over 20 years40.2%98
Age of the businesses
- Existing, more than 2 years old32.0%78
- New business, 2 years or less14.3%35
- Startup, loan funds will open the business40.2%98
- Change of ownership13.1%32
- Not answered0.4%1
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Preferred Lenders Program | 227 | 93.0% | |
| 2 | 7a General | 12 | 4.9% | |
| 3 | SBA Express Program | 3 | 1.2% | |
| 4 | International Trade Loans | 2 | 0.8% |
Franchise share
101 of 244 approvals in FY2021–FY2025 (41.4%) carried an SBA franchise code; across the 7(a) program the share is 11.5%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Smash My Trash | 7 | 2.9% | |
| 2 | D1 Training | 5 | 2.0% | |
| 3 | CycleBar | 4 | 1.6% | |
| 4 | Scooter's Coffee | 3 | 1.2% | |
| 5 | Monster Tree Service | 3 | 1.2% | |
| 6 | The Now Massage | 3 | 1.2% | |
| 7 | Pie Five | 2 | 0.8% | |
| 8 | Play It Again Sports | 2 | 0.8% |
Questions and answers
How many SBA loans does Ameris Bank make?
SBA approved 10 7(a) loans through Ameris Bank in FY2025, worth $16.9M, and 244 over FY2021 to FY2025. That ranks 157th of 2,184 active 7(a) lenders by number of approvals.
How large are Ameris Bank's typical SBA loans?
The median 7(a) approval in FY2021 to FY2025 was $723K and the average $1.1M. The program-wide median was $190K.
What is Ameris Bank's charge-off rate?
Of 1,531 disbursed loans approved in FY2010 to FY2021, SBA records 84 as charged off (5.5%), 1,227 as paid in full and 220 still outstanding; the 7(a) program figure for the same approval years is 6.6%, so the rate here is below it. Loans are listed under the lender that holds them today, so the figure includes loans taken over from other lenders. Status is as recorded by SBA on 30 Jun 2026.
Which industries does Ameris Bank lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (43); other amusement and recreation industries (23); rv (recreational vehicle) parks and recreational camps (14); automotive repair and maintenance (9).
Where does Ameris Bank make SBA loans?
In 36 states and territories. Georgia 61, Florida 43, Texas 19, California 19, Massachusetts 13. In Georgia it accounts for 0.7% of all 7(a) approvals.
Is Ameris Bank's SBA lending rising?
Approvals in the three latest complete fiscal years total 72, against 250 in the three before: falling (-71%).
Where does this data come from?
From the Small Business Administration's 7(a) and 504 FOIA loan files, as of 30 Jun 2026. Borrower names and addresses in those files are discarded when the files are read and appear nowhere on this site.
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. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error