SBA lending by metro area
SBA lenders in Chattanooga, TN
Which lenders fund Chattanooga-area businesses, how much, and how the market compares with Tennessee: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Chattanooga area
Ranked by SBA volume funded to businesses located in the Chattanooga 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 | Brightbridge, Inc. | 120 | $79.6M | $663K | 8.33% |
| 2 | Live Oak Banking Company | 36 | $52.9M | $1.5M | 0.00% |
| 3 | The Huntington National Bank | 65 | $38.5M | $592K | 1.54% |
| 4 | Pinnacle Bank | 36 | $37.0M | $1.0M | 8.33% |
| 5 | First Financial Bank, National Association | 26 | $35.9M | $1.4M | 3.85% |
| 6 | Truist Bank | 59 | $26.0M | $440K | 1.69% |
| 7 | Builtwell Bank | 29 | $23.5M | $811K | 0.00% |
| 8 | First Financial Bank | 42 | $17.0M | $404K | 9.52% |
| 9 | Regions Bank | 24 | $13.3M | $554K | 0.00% |
| 10 | First National Community Bank | 6 | $12.6M | $2.1M | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Chattanooga compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Chattanooga area | $300K ▲ 20.0% | 10.6% ▲ 5.3 pts |
| Tennessee | $250K | 5.3% |
| United States | $179K | 11.2% |
What gets funded in Chattanooga
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 154 | $180.4M |
| Retail Trade | 126 | $82.8M |
| Manufacturing | 77 | $53.6M |
| Health Care and Social Assistance | 93 | $49.6M |
| Agriculture, Forestry, Fishing | 60 | $41.2M |
| Other Services | 90 | $35.8M |
| Arts, Entertainment, Recreation | 37 | $30.8M |
| Construction | 69 | $28.4M |
SBA lending in Chattanooga by year
Geography, precisely
"Chattanooga area" here means the Chattanooga, TN-GA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Catoosa County, GA; Dade County, GA; Hamilton County, TN; Marion County, TN; Sequatchie County, TN; Walker 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.