SBA lending by state
SBA Lending in Georgia
In Georgia, SBA lenders funded 29,302 7(a) and 504 loans since FY2010, totaling $21.7B, an average of $740K per loan. The most active lender is Wells Fargo Bank National Association, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Georgia
Ranked by SBA loans funded in Georgia since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Georgia loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Georgia shows “not reported,” never 0%.
See the full Georgia ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Wells Fargo Bank National Association | 2,412 | $460.0M | $191K | 7.79% |
| 2 | Metro City Bank | 1,401 | $1.8B | $1.3M | 1.57% |
| 3 | The Huntington National Bank | 1,328 | $781.0M | $588K | 1.73% |
| 4 | Truist Bank | 1,301 | $598.9M | $460K | 3.00% |
| 5 | Ameris Bank | 833 | $696.2M | $836K | 2.88% |
| 6 | Florida Business Development Corporation | 804 | $724.6M | $901K | not reported |
| 7 | SouthState Bank, National Association | 757 | $655.2M | $865K | 2.91% |
| 8 | Renasant Bank | 722 | $569.1M | $788K | 5.40% |
| 9 | Capital Partners Certified Development Company | 710 | $750.8M | $1.1M | not reported |
| 10 | Celtic Bank Corporation | 705 | $218.2M | $310K | 13.62% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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504 lenders (CDCs) in Georgia
An SBA 504 project in Georgia pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Georgia, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| Florida Business Development Corporation | 799 | $723.9M |
| Capital Partners Certified Development Company | 710 | $750.8M |
| Small Business Access Partners, Inc. | 557 | $475.0M |
| CSRA Local Development Corporation | 363 | $267.4M |
| Georgia Certified Development Corporation | 188 | $222.5M |
| SBA CLSC Servicing | 177 | $168.6M |
| Small Business Assistance Corporation | 124 | $109.5M |
| Coastal Area District Development Authority, Inc. | 123 | $68.4M |
| Florida First Capital Finance Corporation, Inc. | 58 | $94.4M |
| Southern Georgia Area Development Corporation | 41 | $29.9M |
Showing the 10 CDCs most active on 504 loans in Georgia; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Georgia
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 5,149 | $5.0B |
| Retail Trade | 4,721 | $4.2B |
| Health Care and Social Assistance | 3,117 | $2.3B |
| Other Services | 2,773 | $1.7B |
| Manufacturing | 1,536 | $1.3B |
| Wholesale Trade | 1,319 | $1.1B |
| Professional and Technical Services | 2,626 | $1.1B |
| Agriculture, Forestry, Fishing | 1,056 | $1.1B |
Top cities for SBA loans in Georgia
Where SBA 7(a) and 504 borrowers in Georgia are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Atlanta | 3,879 | $2.6B |
| Marietta | 1,281 | $814.5M |
| Alpharetta | 1,124 | $791.1M |
| Savannah | 725 | $570.5M |
| Cumming | 699 | $559.9M |
| Duluth | 711 | $548.4M |
| Norcross | 583 | $432.9M |
| Lawrenceville | 627 | $390.6M |
SBA lending by metro area in Georgia
Which lenders fund each Georgia market, with local loan sizes and industries.
- SBA lenders in Atlanta, GA 20,760 loans
- SBA lenders in Savannah, GA 1,217 loans
- SBA lenders in Augusta-Richmond County, GA 946 loans
- SBA lenders in Chattanooga, TN 961 loans
- SBA lenders in Gainesville, GA 600 loans
- SBA lenders in Macon-Bibb County, GA 435 loans
- SBA lenders in Columbus, GA 416 loans
- SBA lenders in Athens-Clarke County, GA 433 loans
- SBA lenders in Warner Robins, GA 300 loans
- SBA lenders in Dalton, GA 287 loans
- SBA lenders in Calhoun, GA 213 loans
- SBA lenders in Brunswick, GA 256 loans
- SBA lenders in Albany, GA 173 loans
- SBA lenders in Valdosta, GA 175 loans
- SBA lenders in Jefferson, GA 167 loans
- SBA lenders in LaGrange, GA 193 loans
- SBA lenders in Kingsland, GA 134 loans
- SBA lenders in Douglas, GA 163 loans
- SBA lenders in Rome, GA 145 loans
- SBA lenders in Statesboro, GA 171 loans
- SBA lenders in Cornelia, GA 83 loans
- SBA lenders in Milledgeville, GA 85 loans
- SBA lenders in Hinesville, GA 105 loans
- SBA lenders in Tifton, GA 80 loans
- SBA lenders in Vidalia, GA 84 loans
- SBA lenders in Thomasville, GA 75 loans
- SBA lenders in Waycross, GA 59 loans
- SBA lenders in Dublin, GA 72 loans
- SBA lenders in Cordele, GA 42 loans
- SBA lenders in Toccoa, GA 48 loans
- SBA lenders in Summerville, GA 39 loans
- SBA lenders in Jesup, GA 40 loans
- SBA lenders in Cedartown, GA 54 loans
- SBA lenders in Thomaston, GA 36 loans
- SBA lenders in Fitzgerald, GA 44 loans
- SBA lenders in Moultrie, GA 41 loans
- SBA lenders in Eufaula, AL 44 loans
- SBA lenders in Americus, GA 40 loans
SBA lending in Georgia by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1,434 | $641.1M |
| 2011 | 1,689 | $1.2B |
| 2012 | 1,292 | $899.8M |
| 2013 | 1,574 | $1.2B |
| 2014 | 1,361 | $970.1M |
| 2015 | 1,982 | $1.3B |
| 2016 | 2,026 | $1.4B |
| 2017 | 1,879 | $1.4B |
| 2018 | 1,868 | $1.4B |
| 2019 | 1,684 | $1.3B |
| 2020 | 1,413 | $1.2B |
| 2021 | 1,990 | $2.0B |
| 2022 | 1,591 | $1.4B |
| 2023 | 1,873 | $1.4B |
| 2024 | 2,229 | $1.6B |
| 2025 | 2,565 | $1.8B |
| 2026 | 852 | $666.9M |
SBA lending in Georgia: frequently asked questions
How much SBA lending is there in Georgia?
SBA lenders funded 29,302 7(a) and 504 loans totaling $21.7B in Georgia in the public SBA data (as of 2026-03-31), an average of $740K per loan.
Who is the most active SBA lender in Georgia?
Wells Fargo Bank National Association is the most active SBA lender in Georgia in the public data, by loans funded.
What industries get the most SBA loans in Georgia?
The most-funded industry for SBA loans in Georgia is Accommodation and Food Services.
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