SBA lending by metro area
SBA lenders in Gainesville, GA
Which lenders fund Gainesville-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 Gainesville area
Ranked by SBA volume funded to businesses located in the Gainesville 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 | Metro City Bank | 40 | $81.1M | $2.0M | 0.00% |
| 2 | Small Business Access Partners, Inc. | 65 | $45.1M | $694K | not reported |
| 3 | Live Oak Banking Company | 11 | $17.9M | $1.6M | not reported |
| 4 | The Huntington National Bank | 27 | $16.6M | $613K | 0.00% |
| 5 | SouthState Bank, National Association | 19 | $15.7M | $825K | not reported |
| 6 | Renasant Bank | 12 | $14.6M | $1.2M | not reported |
| 7 | Ameris Bank | 20 | $14.4M | $718K | 0.00% |
| 8 | Wells Fargo Bank National Association | 51 | $13.6M | $266K | 1.96% |
| 9 | Pinnacle Bank | 17 | $13.5M | $795K | not reported |
| 10 | Capital Partners Certified Development Company | 11 | $13.0M | $1.2M | 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 Gainesville compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Gainesville area | $436K ▲ 24.7% | 16.2% ▲ 5.3 pts |
| Georgia | $350K | 10.8% |
| United States | $179K | 11.2% |
What gets funded in Gainesville
| Industry | Loans | Total funded |
|---|---|---|
| Retail Trade | 116 | $143.9M |
| Accommodation and Food Services | 92 | $69.3M |
| Other Services | 70 | $66.9M |
| Health Care and Social Assistance | 72 | $57.4M |
| Real Estate | 30 | $29.6M |
| Manufacturing | 42 | $26.5M |
| Construction | 46 | $21.6M |
| Wholesale Trade | 25 | $17.1M |
SBA lending in Gainesville by year
Geography, precisely
"Gainesville area" here means the Gainesville, GA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Hall 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.