SBA lending by metro area
SBA lenders in Cullman, AL
Which lenders fund Cullman-area businesses, how much, and how the market compares with Alabama: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Cullman area
Ranked by SBA volume funded to businesses located in the Cullman micropolitan 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 | Southern Development Council | 16 | $13.6M | $849K | not reported |
| 2 | Peoples Bank of Alabama | 17 | $8.6M | $508K | not reported |
| 3 | Birmingham Citywide Local Development Company | 6 | $7.5M | $1.2M | not reported |
| 4 | Florida First Capital Finance Corporation, Inc. | 6 | $4.0M | $674K | not reported |
| 5 | Florida Business Development Corporation | 6 | $3.3M | $544K | not reported |
| 6 | Northeast Bank | 5 | $448K | $90K | not reported |
| 7 | Wells Fargo Bank National Association | 6 | $374K | $62K | 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 Cullman compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Cullman area | $339K ▲ 35.6% | 29.7% ▲ 13.7 pts |
| Alabama | $250K | 16.0% |
| United States | $179K | 11.2% |
What gets funded in Cullman
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 22 | $20.7M |
| Manufacturing | 10 | $9.4M |
| Retail Trade | 13 | $9.2M |
| Professional and Technical Services | 5 | $4.5M |
| Wholesale Trade | 13 | $4.3M |
| Arts, Entertainment, Recreation | 6 | $3.9M |
| Agriculture, Forestry, Fishing | 6 | $3.6M |
| Construction | 8 | $3.2M |
SBA lending in Cullman by year
Geography, precisely
"Cullman area" here means the Cullman, AL micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Cullman County, AL. 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.