SBA lending by metro area
SBA lenders in Gadsden, AL
Which lenders fund Gadsden-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 Gadsden area
Ranked by SBA volume funded to businesses located in the Gadsden 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 | Birmingham Citywide Local Development Company | 9 | $6.4M | $708K | not reported |
| 2 | Regions Bank | 6 | $4.0M | $670K | not reported |
| 3 | PNC Bank, National Association | 29 | $3.7M | $128K | 0.00% |
| 4 | The Exchange Bank of Alabama | 7 | $2.4M | $339K | not reported |
| 5 | Wells Fargo Bank National Association | 7 | $1.5M | $209K | 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 Gadsden compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Gadsden area | $207K ▼ 17.2% | 13.4% ▼ 2.6 pts |
| Alabama | $250K | 16.0% |
| United States | $179K | 11.2% |
What gets funded in Gadsden
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 24 | $24.4M |
| Retail Trade | 19 | $7.6M |
| Health Care and Social Assistance | 15 | $6.3M |
| Professional and Technical Services | 10 | $6.1M |
| Administrative and Support | 8 | $4.7M |
| Manufacturing | 6 | $3.2M |
| Construction | 10 | $3.0M |
| Wholesale Trade | 5 | $2.0M |
SBA lending in Gadsden by year
Geography, precisely
"Gadsden area" here means the Gadsden, AL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Etowah 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.