SBA 7(a) loans in Georgia
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data [source] · File as of September 30, 2026 · Loans approved in federal fiscal years 2024–2026 (Oct 2023 – Sept 2026) · Imported November 4, 2026
4,965loans approved
$316,000median loan
$127K–$750Kmiddle half of loans
$3.5Btotal approved
10%median initial rate
10 yrsmedian term
The median Georgia loan is 81% larger than the national median of $175,000.
Loan sizes
Top industries
| Industry (NAICS) | Loans | Median |
|---|---|---|
| Full-Service Restaurants (722511) | 288 | $483,500 |
| Limited-Service Restaurants (722513) | 265 | $485,000 |
| Child Day Care Services (624410) | 123 | $718,200 |
| Snack and Nonalcoholic Beverage Bars (722515) | 115 | $420,000 |
| Hotels (except Casino Hotels) and Motels (721110) | 110 | $2,917,500 |
| Fitness and Recreational Sports Centers (713940) | 108 | $445,500 |
| Beer, Wine, and Liquor Retailers (445320) | 105 | $1,717,000 |
| Residential Remodelers (236118) | 87 | $150,000 |
| Offices of Physicians (except Mental Health Specialists) (621111) | 84 | $368,750 |
| Gasoline Stations with Convenience Stores (457110) | 75 | $1,674,600 |
Most active lenders in Georgia
| Lender | Loans | Median | Total |
|---|---|---|---|
| The Huntington National Bank | 385 | $282,000 | $184.9M |
| Newtek Bank, National Association | 378 | $185,000 | $119.5M |
| Readycap Lending, LLC | 287 | $50,000 | $94.4M |
| Northeast Bank | 232 | $94,900 | $30.1M |
| Live Oak Banking Company | 202 | $500,000 | $254.3M |
| Wells Fargo Bank National Association | 195 | $15,000 | $33.1M |
| Bayfirst National Bank | 135 | $150,000 | $25.5M |
| Celtic Bank Corporation | 133 | $150,000 | $33.6M |
| Southstate Bank, National Association | 132 | $277,000 | $56.5M |
| United Midwest Savings Bank National Association | 130 | $150,000 | $36.5M |
SBA 504 loans in Georgia
504 loans finance real estate and major equipment through a Certified Development Company (CDC). Approved FY2024–FY2026, file as of September 30, 2026 [source].
536504 loans approved
$1,079,000median CDC portion
$804.7Mtotal CDC portion
What these 504 amounts cover: only the SBA-backed CDC portion of each project (typically up to 40%). A bank first loan and the borrower's down payment make up the rest, so total project costs are larger.
Most active CDCs in Georgia
| Lender | Loans | Median | Total |
|---|---|---|---|
| Florida Business Development Corporation | 165 | $899,000 | $242.2M |
| Capital Partners Certified Development Company | 136 | $1,173,000 | $211.1M |
| Small Business Access Partners, INC. | 90 | $1,090,000 | $123.4M |
| Florida First Capital Finance Corporation, INC. | 44 | $1,431,000 | $92.9M |
| Georgia Certified Development Corporation | 42 | $1,177,500 | $65.7M |
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What this data does — and doesn't — tell you
- Approvals, not applications. These are loans SBA approved. The data has no denials, so it cannot tell you your odds of approval.
- Loan size is not startup cost. 7(a) loans also pay for buying existing businesses, real estate, equipment, refinancing and working capital.
- Gross approval amount. Figures are the full approved loan, including the part SBA does not guarantee. Some approved loans are later reduced or never fully disbursed.
- Industry codes are assigned at approval (NAICS) and can be imprecise — a mobile detailer may be coded as a car wash, for example.
- Medians beat averages here: a few very large loans pull averages up. We show the median and the middle half (25th–75th percentile).
- No default rates. Most recent loans are still being repaid, so charge-off rates for these years would be misleading. We don't show them.
- Cancelled loans are excluded, and any group with fewer than 10 loans is hidden. We never publish borrower names.
- Lender counts aren't a quality rating. Big national lenders make many small loans; local lenders may know your market better. Talk to several, or use SBA Lender Match.