SBA lending by metro area
SBA lenders in Fort Payne, AL
Which lenders fund Fort Payne-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 Fort Payne area
Ranked by SBA volume funded to businesses located in the Fort Payne 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 | Live Oak Banking Company | 24 | $48.9M | $2.0M | 4.17% |
| 2 | First Financial Bank | 38 | $21.2M | $557K | 0.00% |
| 3 | Southern Development Council | 5 | $7.0M | $1.4M | not reported |
| 4 | First Bank of Alabama | 10 | $6.2M | $622K | not reported |
| 5 | Truist Bank | 5 | $4.1M | $828K | not reported |
| 6 | Birmingham Citywide Local Development Company | 5 | $3.0M | $597K | not reported |
| 7 | Northeast Bank | 6 | $988K | $165K | not reported |
| 8 | PNC Bank, National Association | 12 | $540K | $45K | 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 Fort Payne compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Fort Payne area | $405K ▲ 62.0% | 11.4% ▼ 4.6 pts |
| Alabama | $250K | 16.0% |
| United States | $179K | 11.2% |
What gets funded in Fort Payne
| Industry | Loans | Total funded |
|---|---|---|
| Agriculture, Forestry, Fishing | 68 | $74.6M |
| Accommodation and Food Services | 16 | $17.1M |
| Manufacturing | 7 | $8.5M |
| Retail Trade | 11 | $6.6M |
| Construction | 15 | $3.9M |
| Health Care and Social Assistance | 10 | $3.0M |
| Professional and Technical Services | 5 | $1.8M |
SBA lending in Fort Payne by year
Geography, precisely
"Fort Payne area" here means the Fort Payne, AL micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: DeKalb 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.