SBA lending by metro area
SBA lenders in Athens-Clarke County, GA
Which lenders fund Athens-Clarke County-area businesses, how much, and how the market compares with Georgia: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Athens-Clarke County area
Ranked by SBA volume funded to businesses located in the Athens-Clarke County metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | CSRA Local Development Corporation | 32 | $29.5M | $921K | not reported |
| 2 | Metro City Bank | 15 | $24.1M | $1.6M | not reported |
| 3 | Pinnacle Bank | 25 | $17.7M | $707K | 8.00% |
| 4 | Florida Business Development Corporation | 20 | $15.9M | $797K | not reported |
| 5 | Ameris Bank | 10 | $13.3M | $1.3M | not reported |
| 6 | Live Oak Banking Company | 13 | $11.1M | $856K | not reported |
| 7 | Wells Fargo Bank National Association | 28 | $9.6M | $343K | 7.14% |
| 8 | Oconee State Bank | 19 | $9.5M | $501K | not reported |
| 9 | SouthState Bank, National Association | 9 | $9.1M | $1.0M | not reported |
| 10 | The Huntington National Bank | 20 | $8.5M | $423K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Athens-Clarke County compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Athens-Clarke County area | $400K ▲ 14.3% | 16.2% ▲ 5.3 pts |
| Georgia | $350K | 10.8% |
| United States | $179K | 11.2% |
What gets funded in Athens-Clarke County
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 89 | $64.5M |
| Retail Trade | 62 | $51.7M |
| Agriculture, Forestry, Fishing | 36 | $44.0M |
| Health Care and Social Assistance | 40 | $26.8M |
| Other Services | 42 | $21.7M |
| Manufacturing | 26 | $16.5M |
| Arts, Entertainment, Recreation | 25 | $14.8M |
| Professional and Technical Services | 21 | $13.2M |
SBA lending in Athens-Clarke County by year
Geography, precisely
"Athens-Clarke County area" here means the Athens-Clarke County, GA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Clarke County, GA; Madison County, GA; Oconee County, GA; Oglethorpe County, GA. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.