SBA lending by metro area
SBA lenders in Valdosta, GA
Which lenders fund Valdosta-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 Valdosta area
Ranked by SBA volume funded to businesses located in the Valdosta 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 | Guardian Bank | 12 | $11.9M | $994K | not reported |
| 2 | Farmers and Merchants Bank | 5 | $11.7M | $2.3M | not reported |
| 3 | Ameris Bank | 8 | $9.9M | $1.2M | not reported |
| 4 | Renasant Bank | 5 | $8.8M | $1.8M | not reported |
| 5 | Southern Georgia Area Development Corporation | 17 | $5.9M | $345K | not reported |
| 6 | Commercial Banking Company | 11 | $3.3M | $301K | not reported |
| 7 | Live Oak Banking Company | 5 | $2.1M | $425K | not reported |
| 8 | The Huntington National Bank | 5 | $970K | $194K | not reported |
| 9 | Wells Fargo Bank National Association | 5 | $366K | $73K | 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 Valdosta compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Valdosta area | $375K ▲ 7.1% | 14.9% ▲ 4.0 pts |
| Georgia | $350K | 10.8% |
| United States | $179K | 11.2% |
What gets funded in Valdosta
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 58 | $65.4M |
| Retail Trade | 24 | $28.9M |
| Manufacturing | 17 | $23.8M |
| Health Care and Social Assistance | 20 | $15.9M |
| Construction | 9 | $6.6M |
| Agriculture, Forestry, Fishing | 5 | $6.3M |
| Other Services | 8 | $4.7M |
| Administrative and Support | 8 | $2.2M |
SBA lending in Valdosta by year
Geography, precisely
"Valdosta area" here means the Valdosta, GA metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Brooks County, GA; Echols County, GA; Lanier County, GA; Lowndes 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.