Lenders › Small Business Access Partners, Inc.
504 CDCGainesville, Georgiacertified development company50th of 182 by approvals
Small Business Access Partners, Inc.
SBA 504 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.
Small Business Access Partners, Inc., based in Gainesville, Georgia, is a certified development company (CDC) that makes SBA 504 loans. SBA approved 181 of its 504 loans worth $189M in FY2021 to FY2025, which places it 50th of 182 active CDCs by number of approvals.
In FY2025, the latest complete fiscal year, it had 30 approvals totalling $40.9M, down 19% on FY2024 (37). FY2026 to 30 Jun 2026 adds 22 more.
The median approval was $765K, against $657K for the 504 program as a whole; 1.1% of its approvals were for $150,000 or less (program: 4.6%).
Its loans went to businesses in 2 states and territories and 35 counties, led by Georgia (99.4%) and Alabama (0.6%). The largest industry group was accommodation and food services at 17.1% of approvals, and 13.3% of approvals were to franchise businesses.
Of 362 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (1.1%), 200 as paid in full and 158 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is close to 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* | 22 | $31.9M | $1.2M | $1.5M | 211 |
| FY2025 | 30 | $40.9M | $1.1M | $1.4M | 212 |
| FY2024 | 37 | $48.0M | $1.1M | $1.3M | 253 |
| FY2023 | 36 | $32.7M | $616K | $907K | 207 |
| FY2022 | 31 | $31.0M | $898K | $1,000K | 281 |
| FY2021 | 47 | $37.0M | $576K | $787K | 314 |
| FY2020 | 31 | $22.1M | $500K | $713K | 127 |
| FY2019 | 32 | $23.4M | $485K | $731K | 205 |
| FY2018 | 31 | $37.1M | $897K | $1.2M | 287 |
| FY2017 | 36 | $37.6M | $597K | $1.0M | 248 |
| FY2016 | 25 | $21.9M | $476K | $877K | 172 |
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 155 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 | 504 program |
|---|---|---|---|
| Approvals in these years | 416 | 2,290 | 85,591 |
| Cancelled or never disbursed | 54 | 395 | 12,514 |
| Disbursed loans | 362 | 1,895 | 73,077 |
| Paid in full | 200 | 990 | 35,491 |
| Charged off | 4 | 35 | 905 |
| Still outstanding (status exempt from disclosure) | 158 | 870 | 36,681 |
| Charged off, share of disbursed loans | 1.1% | 1.8% | 1.2% |
| Dollars charged off, share of disbursed dollars | 1.1% | 1.6% | 0.9% |
| Dollars charged off | $2.9M | $22.6M | $499M |
By approval year
| Approved in | Disbursed | Paid in full | Charged off | Charged off, share | 504 program, same year |
|---|---|---|---|---|---|
| FY2021 | 40 | 5 | 0 | 0.0% | 0.1% |
| FY2020 | 29 | 3 | 0 | — | 0.1% |
| FY2019 | 25 | 10 | 0 | — | 0.3% |
| FY2018 | 27 | 13 | 0 | — | 0.4% |
| FY2017 | 28 | 12 | 0 | — | 0.8% |
| FY2016 | 23 | 10 | 0 | — | 1.0% |
| FY2015 | 19 | 16 | 0 | — | 1.2% |
| FY2014 | 28 | 18 | 1 | — | 1.3% |
| FY2013 | 46 | 35 | 0 | 0.0% | 1.4% |
| FY2012 | 29 | 24 | 1 | — | 2.0% |
| FY2011 | 26 | 22 | 0 | — | 2.1% |
| FY2010 | 42 | 32 | 2 | 4.8% | 3.4% |
A share is shown only where at least 30 loans from that year were disbursed.
Against the 504 program
| FY2021–FY2025 | This lender | 504 program |
|---|---|---|
| Median approval | $765K | $657K |
| Average approval | $1.0M | $1.0M |
| Approvals of $150,000 or less | 1.1% | 4.6% |
| Approvals to startups and businesses 2 years old or less | 18.2% | 14.4% |
| Approvals to franchise businesses | 13.3% | 9.0% |
| Jobs supported per approval, as reported | 7.0 | 10.1 |
| Charged off, loans approved FY2010–FY2021 | 1.1% | 1.2% |
States served
| # | State of the business (2 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Georgia | 180 | $188M | 99.4% | |
| 2 | Alabama | 1 | — | 0.6% |
In Georgia the lender accounts for 17.4% of all 504 approvals in FY2021–FY2025.
Counties served
| # | County of the business (35 in all) | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Gwinnett County, GA | 22 | $27.9M | 12.2% | |
| 2 | Fulton County, GA | 22 | $25.8M | 12.2% | |
| 3 | Hall County, GA | 21 | $15.4M | 11.6% | |
| 4 | Forsyth County, GA | 17 | $17.4M | 9.4% | |
| 5 | DeKalb County, GA | 16 | $19.9M | 8.8% | |
| 6 | Cobb County, GA | 16 | $10.5M | 8.8% | |
| 7 | Cherokee County, GA | 8 | $6.8M | 4.4% | |
| 8 | Clarke County, GA | 6 | $2.8M | 3.3% | |
| 9 | Barrow County, GA | 4 | $11.6M | 2.2% | |
| 10 | Jackson County, GA | 4 | $6.6M | 2.2% | |
| 11 | Coweta County, GA | 4 | $3.2M | 2.2% | |
| 12 | Hart County, GA | 3 | $5.2M | 1.7% |
Industry mix
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 31 | 17.1% | |
| 2 | Health Care and Social Assistance | 26 | 14.4% | |
| 3 | Retail Trade | 26 | 14.4% | |
| 4 | Other Services (except Public Administration) | 19 | 10.5% | |
| 5 | Professional, Scientific, and Technical Services | 17 | 9.4% | |
| 6 | Wholesale Trade | 14 | 7.7% | |
| 7 | Manufacturing | 13 | 7.2% | |
| 8 | Real Estate and Rental and Leasing | 11 | 6.1% |
| # | Industry group | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 24 | 13.3% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 12 | 6.6% | |
| 3 | Offices of PhysiciansNAICS 6211 | 10 | 5.5% | |
| 4 | Child Day Care ServicesNAICS 6244 | 9 | 5.0% | |
| 5 | Lessors of Real EstateNAICS 5311 | 9 | 5.0% | |
| 6 | Traveler AccommodationNAICS 7211 | 6 | 3.3% | |
| 7 | Building Equipment ContractorsNAICS 2382 | 6 | 3.3% | |
| 8 | Legal ServicesNAICS 5411 | 6 | 3.3% | |
| 9 | Other Amusement and Recreation IndustriesNAICS 7139 | 5 | 2.8% | |
| 10 | Furniture and Home Furnishings RetailersNAICS 4491 | 5 | 2.8% |
Approval sizes
- $50,001 to $150,0001.1%2
- $150,001 to $350,00016.6%30
- $350,001 to $1 million42.5%77
- $1 million to $2 million28.7%52
- Over $2 million11.0%20
Loan terms
- Over 5 to 10 years2.2%4
- Over 10 to 20 years4.4%8
- Over 20 years93.4%169
Age of the businesses
- Existing, more than 2 years old79.0%143
- New business, 2 years or less1.7%3
- Startup, loan funds will open the business16.6%30
- Change of ownership2.8%5
SBA processing method
| # | Method | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accredited Lenders Program | 167 | 92.3% | |
| 2 | 504 Refinancing Program | 14 | 7.7% |
Franchise share
24 of 181 approvals in FY2021–FY2025 (13.3%) carried an SBA franchise code; across the 504 program the share is 9.0%.
| # | Franchise brand | Approvals | Share | |
|---|---|---|---|---|
| 1 | Bojangles, Bojangles’ Famous Chicken ‘n Biscuits”, and “Bojangles’ Express | 3 | 1.7% | |
| 2 | Culver's ButterBurgers & Frozen Custard | 2 | 1.1% | |
| 3 | Ihop | 2 | 1.1% | |
| 4 | Dunkin' | 2 | 1.1% | |
| 5 | Fairfield by Marriott | 1 | 0.6% | |
| 6 | Building Kidz School | 1 | 0.6% | |
| 7 | Tru by Hilton | 1 | 0.6% | |
| 8 | Infiniti Dealer Sales and Service Agreement | 1 | 0.6% |
Third-party lenders in its 504 projects
A 504 project pairs the CDC's loan with a larger loan from a bank or other lender. Banks and credit unions named on five or more of this CDC's projects in FY2021–FY2025:
| # | Third-party lender | Projects | Share | |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 23 | 12.7% | |
| 2 | Renasant Bank | 12 | 6.6% | |
| 3 | Peach State Bank and Trust | 11 | 6.1% | |
| 4 | First Citizens BancShares Inc | 10 | 5.5% | |
| 5 | First-Citizens Bank & Trust Company | 9 | 5.0% | |
| 6 | First Community Bank | 9 | 5.0% | |
| 7 | Vallant Bank | 8 | 4.4% | |
| 8 | United Community Banks, Inc. | 8 | 4.4% | |
| 9 | Classic City Bank | 8 | 4.4% | |
| 10 | Pinnacle Bank | 7 | 3.9% |
Questions and answers
How many SBA loans does Small Business Access Partners, Inc. make?
SBA approved 30 504 loans through Small Business Access Partners, Inc. in FY2025, worth $40.9M, and 181 over FY2021 to FY2025. That ranks 50th of 182 active CDCs by number of approvals.
How large are Small Business Access Partners, Inc.'s typical SBA loans?
The median 504 approval in FY2021 to FY2025 was $765K and the average $1.0M. The program-wide median was $657K.
What is Small Business Access Partners, Inc.'s charge-off rate?
Of 362 disbursed loans approved in FY2010 to FY2021, SBA records 4 as charged off (1.1%), 200 as paid in full and 158 still outstanding; the 504 program figure for the same approval years is 1.2%, so the rate here is close to 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 Small Business Access Partners, Inc. lend to most?
By number of approvals in FY2021 to FY2025: restaurants and other eating places (24); automotive repair and maintenance (12); offices of physicians (10); child day care services (9).
Where does Small Business Access Partners, Inc. make SBA loans?
In 2 states and territories. Georgia 180, Alabama 1. In Georgia it accounts for 17.4% of all 504 approvals.
Is Small Business Access Partners, Inc.'s SBA lending rising?
Approvals in the three latest complete fiscal years total 103, against 109 in the three before: broadly level (-6%).
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