SBA Ledger

States › Georgia

State3.0% of US approvals286 lenders active

SBA loans in Georgia

7(a) and 504 approvals by fiscal year, the lenders behind them, and where in the state they went. Pick a fiscal year for that year's lenders and counties.

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 Georgia received 10,246 SBA loan approvals worth $8.22bn in FY2021 to FY2025, 9,213 of them 7(a) loans and 1,033 504 loans.

That is 39.2 approvals for every 1,000 business establishments in the state, against 41.0 nationally, and 3.0% of all approvals in the country (10th of 54 states and territories).

In FY2025 there were 2,563 approvals totalling $1.80bn, up 15% on FY2024. The median 7(a) approval over the five years was $350K and the median 504 approval $820K.

286 lenders had at least one approval in the state; by number of 7(a) approvals the most active were The Huntington National Bank (717), Wells Fargo Bank National Association (546) and Newtek Bank, National Association (466).

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, SBA records 6.8% as charged off, against 6.6% nationally.

2,563approvals, FY202510,246 in FY2021–FY2025
$1.80bnapproved, FY2025$8.22bn in FY2021–FY2025
39.2approvals per 1,000 establishments, FY2021–FY2025US: 41.0
$350Kmedian 7(a) approvalUS: $190K
6.8%7(a) loans approved FY2010–FY2021 charged offUS: 6.6%

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.

Most active 7(a) lenders in Georgia

Ranked by number of approvals to businesses in the state, FY2021–FY2025. The column of bars shows each lender's approvals here in every fiscal year; the charged-off column is the lender's nationwide figure.

#LenderApprovals in GA, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1The Huntington National BankColumbus, OH717$334M7.8%$92K5.7%
2Wells Fargo Bank National AssociationSioux Falls, SD546$60.3M5.9%$15K7.9%
3Newtek Bank, National AssociationMiami, FL466$205M5.1%$225K—
4Northeast BankLewiston, ME463$64.2M5.0%$106K12.8%
5Readycap Lending, LLCBerkeley Heights, NJ405$160M4.4%$138K4.3%
6Metro City BankDoraville, GA308$637M3.3%$1.3M2.1%
7BayFirst National BankSaint Petersburg, FL294$52.0M3.2%$150K19.2%
8SouthState Bank, National AssociationWinter Haven, FL268$178M2.9%$350K2.8%
9Live Oak Banking CompanyWilmington, NC253$360M2.7%$850K2.2%
10United Midwest Savings Bank National AssociationDe Graff, OH247$56.2M2.7%$150K15.9%
11Celtic Bank CorporationSalt Lake City, UT181$84.3M2.0%$150K17.0%
12Renasant BankTupelo, MS172$181M1.9%$644K8.3%
13JPMorgan Chase Bank, National AssociationColumbus, OH169$42.1M1.8%$200K7.4%
14United Community BankGreenville, SC164$134M1.8%$550K4.5%
15Pinnacle BankNashville, TN156$179M1.7%$745K6.0%
16Georgia's Own Credit UnionAtlanta, GA153$172M1.7%$678K4.7%
17Bank of America, National AssociationCharlotte, NC153$77.5M1.7%$300K2.6%
18Newtek Small Business Finance, Inc.Lake Success, NY151$91.3M1.6%$300K6.8%
19Citizens BankElizabethton, TN115$90.3M1.2%$495K5.4%
20HomeTrust BankAsheville, NC113$144M1.2%$817K2.8%
21Loyal Trust BankJohns Creek, GA109$103M1.2%$569K0.0%
22Lendistry SBLC, LLCLos Angeles, CA107$22.2M1.2%$150K22.7%
23Colony BankFitzgerald, GA104$112M1.1%$150K7.0%
24First Community BankLexington, SC102$139M1.1%$750K6.2%
25Georgia Banking CompanyAtlanta, GA93$62.7M1.0%$286K6.5%
26First Bank of the LakeOsage Beach, MO91$62.0M1.0%$350K2.7%
27PromiseOne BankDuluth, GA90$110M1.0%$715K2.4%
28Harvest Small Business Finance, LLCLaguna Hills, CA74$56.9M0.8%$765K0.4%
29Embassy National BankLawrenceville, GA68$98.2M0.7%$1.3M0.4%
30Truist BankCharlotte, NC64$61.4M0.7%$771K4.5%
31Commonwealth Business BankLos Angeles, CA62$90.9M0.7%$750K2.1%
32Bank of HopeLos Angeles, CA62$75.5M0.7%$350K6.5%
33Craft BankAtlanta, GA62$72.1M0.7%$583K—
34Community Bank of Pickens CountyJasper, GA61$79.4M0.7%$684K5.8%
35Ameris BankAtlanta, GA61$77.6M0.7%$723K5.5%
36Byline BankChicago, IL61$58.5M0.7%$806K9.5%
37Hanmi BankLos Angeles, CA60$60.2M0.7%$630K6.0%
38Regions BankBirmingham, AL58$83.0M0.6%$527K4.7%
39Vallant BankElberton, GA57$53.9M0.6%$801K4.8%
40Bank OZKLittle Rock, AR56$16.3M0.6%$226K4.4%

504 certified development companies

#LenderApprovals in GA, FY2021–25DollarsShareMedian approval, all statesFY2016–26Charged off, FY2010–21 loans
1Florida Business Development CorporationTampa, FL · 504 CDC319$363M30.9%$597K1.2%
2Capital Partners Certified Development CompanyAtlanta, GA · 504 CDC243$327M23.5%$1.0M1.6%
3Small Business Access Partners, Inc.Gainesville, GA · 504 CDC180$188M17.4%$765K1.1%
4CSRA Local Development CorporationAugusta, GA · 504 CDC87$85.7M8.4%$833K1.9%
5Georgia Certified Development CorporationAtlanta, GA · 504 CDC79$119M7.6%$1.0M0.0%
6Florida First Capital Finance Corporation, Inc.Tallahassee, FL · 504 CDC49$72.3M4.7%$684K1.1%
7Small Business Assistance CorporationSavannah, GA · 504 CDC36$42.6M3.5%$767K2.4%
8Coastal Area District Development Authority, Inc.Brunswick, GA · 504 CDC20$15.0M1.9%$572K2.1%
9Southern Georgia Area Development CorporationValdosta, GA · 504 CDC12$13.7M1.2%$543K—
10Brightbridge, Inc.Chattanooga, TN · 504 CDC3$1.3M0.3%$856K0.4%
11Small Business Growth CorporationSpringfield, IL · 504 CDC1—0.1%$609K1.4%
12Sunshine State Economic Development CorporationClearwater, FL · 504 CDC1—0.1%$540K1.8%

Fiscal-year ledger

Fiscal year7(a) approvals7(a) dollarsMedian 7(a)504 approvals504 dollarsAll approvalsJobs supported, as reported
FY2026*1,148$775M$315K141$225M1,28915,479
FY20252,374$1.53bn$300K189$268M2,56326,354
FY20242,032$1.30bn$250K192$276M2,22425,291
FY20231,685$1.18bn$339K189$215M1,87421,590
FY20221,364$1.16bn$375K228$267M1,59218,998
FY20211,758$1.82bn$595K235$209M1,99324,106
FY20201,236$1.04bn$426K176$146M1,41215,328
FY20191,524$1.14bn$337K165$151M1,68921,444
FY20181,731$1.25bn$318K135$132M1,86619,785
FY20171,710$1.27bn$349K166$148M1,87621,624
FY20161,869$1.26bn$304K155$131M2,02423,950

7(a) approvals504 approvals

919293949596979899000102030405060708091011121314151617181920212223242526
SBA approvals in Georgia by fiscal year, FY1991 to FY2026.

Counties

Approvals in FY2021–FY2025 set against the Census Bureau's count of business establishments. Counties with at least 30 approvals have their own page.

#CountyApprovalsDollarsEstablishmentsPer 1,000 establishmentsBy fiscal year
1Fulton County1,701$1.21bn40,94941.5
2Gwinnett County1,368$969M27,65349.5
3Cobb County998$678M22,14845.1
4DeKalb County810$576M18,25844.4
5Forsyth County357$373M8,25343.3
6Cherokee County337$257M6,55051.5
7Chatham County334$319M9,03737.0
8Henry County252$181M4,52855.7
9Hall County215$199M5,18141.5
10Fayette County194$143M3,99548.6
11Clayton County172$148M4,11541.8
12Douglas County133$111M2,87546.3
13Muscogee County126$109M4,51027.9
14Rockdale County125$121M2,25655.4
15Coweta County121$72.0M3,02040.1
16Bartow County117$115M2,43948.0
17Bibb County114$111M4,14727.5
18Columbia County107$68.6M2,94336.4
19Clarke County106$72.8M3,30732.1
20Richmond County99$90.5M4,27923.1
21Carroll County98$82.9M2,35841.6
22Paulding County97$83.0M2,42340.0
23Barrow County97$113M1,54362.9
24Walton County93$63.9M2,00046.5
25Houston County90$85.6M2,83231.8
26Glynn County78$63.6M2,78728.0
27Pickens County67$64.0M80982.8
28Jackson County63$65.3M1,67337.7
29Newton County62$60.6M1,63937.8
30Lowndes County61$68.0M2,87221.2
31Effingham County58$32.0M98758.8
32Troup County57$40.6M1,58036.1
33Camden County57$73.9M94760.2
34Oconee County51$34.6M1,45835.0
35Gordon County50$59.8M1,09745.6
36Spalding County49$50.0M1,24039.5
37Bulloch County49$30.7M1,70428.8
38Whitfield County44$37.7M2,37318.5
39Bryan County39$26.4M86745.0
40Dawson County37$27.4M92140.2
41Floyd County36$25.1M2,12816.9
42Lumpkin County34$28.2M60356.4
43Walker County33$23.0M75643.7
44Dougherty County32$34.5M2,22014.4
45Catoosa County32$34.0M1,04430.7
46Habersham County31$44.8M95132.6
47Coffee County28$44.7M87132.1
48Gilmer County27$23.8M70738.2
49Peach County27$35.0M50453.6
50Polk County26$14.4M67038.8
51Tift County25$37.9M1,08223.1
52Fannin County25$17.9M74033.8
53Baldwin County24$24.1M86227.8
54Laurens County24$15.5M1,10621.7
55Lee County23$11.6M44052.3
56Toombs County22$16.1M70431.3
57Putnam County22$21.9M54640.3
58Elbert County22$24.5M44849.1
59Franklin County22$25.2M51542.7
60White County21$22.9M73328.6
61Liberty County21$19.4M92122.8
62Hart County20$23.8M49140.7
63Rabun County19$19.2M53535.5
64Thomas County19$15.8M1,22015.6
65Monroe County18$25.6M60429.8
66Morgan County17$18.9M57329.7
67Murray County17$23.6M43039.5
68Towns County16$15.9M32050.0
69Wayne County15$10.8M63923.5
70Banks County15$21.9M33444.9
71Haralson County14$10.6M51927.0
72Ware County14$30.5M89015.7
73Colquitt County14$10.7M95114.7
74Upson County14$7.7M47229.7
75Crisp County13$22.1M50325.8
76Meriwether County13$6.3M31840.9
77Butts County13$15.2M44129.5
78Greene County12$14.0M54022.2
79Chattooga County12$8.3M31937.6
80Sumter County12$3.3M62419.2
81McDuffie County11$8.1M45224.3
82Pike County11$8.6M33233.1
83Union County10$6.2M66615.0
84Ben Hill County10$5.9M30033.3
85Irwin County10$19.2M11388.5
86Harris County9$6.2M50118.0
87Tattnall County9$7.7M32228.0
88Dodge County9$11.0M31128.9
89Macon County9$17.0M17252.3
90Jones County8$3.1M35422.6
91Madison County8$7.2M42518.8
92Bacon County8$6.6M23034.8
93Burke County8$7.8M38220.9
94Decatur County8$11.0M62612.8
95Jefferson County8$3.2M32624.5
96Stephens County7$5.2M53913.0
97McIntosh County7$18.0M19436.1
98Washington County7$10.9M34220.5
99Jeff Davis County7$2.5M26026.9
100Grady County7$10.6M45115.5
101Wilcox County6$10.0M8273.2
102Pierce County6$2.8M37116.2
103Screven County6$8.4M24524.5
104Emanuel County6$6.5M41314.5
105Evans County6$7.7M23625.4
106Telfair County6$8.1M17833.7
107Oglethorpe County5$4.9M18227.5
108Mitchell County5$2.7M36013.9
109Bleckley County5$2.9M17428.7
110Candler County5$2.0M23321.5
111Dade County5$3.7M23721.1
112Taylor County5$4.7M13736.5
113Cook County5$1.2M33914.7
114Wilkes County4$1.5M19021.1
115Worth County4$2.3M28813.9
116Dooly County4$5.1M15126.5
117Berrien County4$3.6M25315.8
118Heard County4$563K12033.3
119Long County4$1.1M11634.5
120Early County3$684K19715.2
121Jasper County3$373K22513.3
122Appling County3$1.8M3897.7
123Turner County3$1.2M16018.8
124Atkinson County3$1.4M9431.9
125Clinch County3$3.8M12923.3
126Lamar County3$1.7M27510.9
127Marion County3$1.5M8734.5
128Johnson County3$2.3M12324.4
129Brooks County2—2328.6
130Pulaski County2—17111.7
131Crawford County2—12715.7
132Twiggs County2—8025.0
133Seminole County2—17011.8
134Wheeler County1—5219.2
135Randolph County1—1218.3
136Calhoun County1—7014.3
137Taliaferro County1—2147.6
138Brantley County1—2244.5
139Treutlen County1—8212.2
140Charlton County1—1486.8
141Chattahoochee County1—8611.6
142Schley County1—7413.5
143Lincoln County1—1626.2
144Warren County1—7613.2
145Hancock County1—7114.1
146Clay County1—5020.0
147Jenkins County1—1128.9
148Talbot County1—6415.6
149Webster County1—3330.3

Industries

#Industry group (NAICS 4-digit)ApprovalsDollarsShare
1Restaurants and Other Eating PlacesNAICS 72251,247$831M12.2%
2Traveler AccommodationNAICS 7211367$921M3.6%
3Automotive Repair and MaintenanceNAICS 8111342$379M3.3%
4Offices of Other Health PractitionersNAICS 6213313$119M3.1%
5Services to Buildings and DwellingsNAICS 5617289$112M2.8%
6Personal Care ServicesNAICS 8121282$89.3M2.8%
7Other Amusement and Recreation IndustriesNAICS 7139275$211M2.7%
8Child Day Care ServicesNAICS 6244274$326M2.7%
9Beer, Wine, and Liquor StoresNAICS 4453273$620M2.7%
10General Freight TruckingNAICS 4841247$59.5M2.4%
11Other Personal ServicesNAICS 8129196$108M1.9%
12Residential Building ConstructionNAICS 2361193$64.6M1.9%
13Management, Scientific, and Technical Consulting ServicesNAICS 5416187$68.0M1.8%
14Building Equipment ContractorsNAICS 2382181$105M1.8%
15Offices of PhysiciansNAICS 6211171$104M1.7%

Sectors

#NAICS sectorApprovalsShare
1Accommodation and Food Services1,73416.9%
2Retail Trade1,53515.0%
3Health Care and Social Assistance1,10010.7%
4Other Services (except Public Administration)1,0009.8%
5Professional, Scientific, and Technical Services9078.9%
6Construction8147.9%
7Administrative and Support and Waste Management and Remediation Services5765.6%
8Manufacturing4944.8%
9Transportation and Warehousing4604.5%
10Wholesale Trade4134.0%

Franchise brands

#BrandApprovalsShare
1The UPS Store630.6%
2Hotworx250.2%
3Quality Inn230.2%
4Primrose Schools200.2%
5Ace Hardware200.2%
6Crumbl180.2%
7Days Inn160.2%
8Jeremiah's Italian Ice160.2%
9Motel 6150.1%
10Tropical Smoothie Cafe150.1%

How earlier loans turned out

Georgia, 7(a)6.8%
United States, 7(a)6.6%
Georgia, 5041.8%
United States, 5041.2%
Share of disbursed loans approved FY2010–FY2021 that SBA records as charged off, by program.
Loans approved FY2010–FY2021GA 7(a)US 7(a)GA 504US 504
Approvals in these years17,911639,9052,29085,591
Cancelled or never disbursed2,11079,31339512,514
Disbursed loans15,801560,5921,89573,077
Paid in full11,453435,81399035,491
Charged off1,07736,89135905
Still outstanding (status exempt from disclosure)3,27187,88887036,681
Charged off, share of disbursed loans6.8%6.6%1.8%1.2%
Dollars charged off, share of disbursed dollars2.0%2.5%1.6%0.9%
Dollars charged off$230M$5.70bn$22.6M$499M

Approval sizes

Age of the businesses

Against the country

FY2021–FY2025GeorgiaUnited States
Approvals per 1,000 establishments39.241.0
Median 7(a) approval$350K$190K
Median 504 approval$820K$657K
504 share of approvals10.1%11.0%
Jobs supported per approval, as reported11.410.5
Approvals, change on FY2016–FY202016%10%

Questions and answers

Which lenders make the most SBA loans in Georgia?

By 7(a) approvals in FY2021 to FY2025: The Huntington National Bank (717), Wells Fargo Bank National Association (546), Newtek Bank, National Association (466), Northeast Bank (463), Readycap Lending, LLC (405). For 504 loans: Florida Business Development Corporation (319), Capital Partners Certified Development Company (243), Small Business Access Partners, Inc. (180). Volume says how active a lender is, nothing about terms or service.

How large are typical SBA loans in Georgia?

The median 7(a) approval was $350K and the median 504 approval $820K; the average across both programs was $803K.

Which industries get the most SBA loans in Georgia?

Restaurants and Other Eating Places (1,247); Traveler Accommodation (367); Automotive Repair and Maintenance (342); Offices of Other Health Practitioners (313); Services to Buildings and Dwellings (289).

Which Georgia counties receive the most SBA loans?

Fulton County (1,701), Gwinnett County (1,368), Cobb County (998), DeKalb County (810), Forsyth County (357), by approvals in FY2021 to FY2025.

Is SBA lending in Georgia rising?

Approvals in the three latest complete fiscal years total 6,661, against 4,997 in the three before: rising (+33%).

What share of SBA loans in Georgia are charged off?

Of 7(a) loans approved in FY2010 to FY2021 and disbursed, 6.8% are recorded as charged off (national: 6.6%); for 504 loans the figure is 1.8% (national: 1.2%). Newer loans are left out because most have not had time to reach either outcome.

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