SBA by industry · GA
SBA lenders for retail stores in Georgia
112 lenders made 533 SBA loans to retail stores in Georgia in the 36 months ending September 30, 2026. Metro City Bank made the most, with 37. The typical loan was about $430K.
- Evidence
- SBA 7(a) and 504 loans to retail stores in Georgia, NAICS 44 and 45, excluding gas, convenience and pharmacy
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 112
- SBA FOIA,
- SBA loans, 36 months
- 533
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $522M
- SBA FOIA,
- Last 12 months
- 136
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for retail stores in Georgia, https://lender.report/sba-lenders-for/retail/georgia/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| Metro City Bank SBA 7(a) record | Bank | Doraville, GA | 37 | $108M | 37 | 0 | 12 |
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 29 | $16.9M | 28 | 1 | 7 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 26 | $4.30M | 26 | 0 | 1 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 25 | $4.86M | 25 | 0 | 13 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 21 | $2.96M | 21 | 0 | 5 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 19 | $4.34M | 19 | 0 | 1 |
| United Midwest Savings Bank, National Association SBA 7(a) record | Bank | Degraff, OH | 17 | $2.92M | 17 | 0 | 7 |
| BayFirst National Bank SBA 7(a) record | Bank | Saint Petersburg, FL | 16 | $7.31M | 16 | 0 | 0 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 15 | $2.97M | 15 | 0 | 0 |
| Commonwealth Business Bank SBA 7(a) record | Bank | Los Angeles, CA | 13 | $34.1M | 13 | 0 | 4 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 12 | $10.8M | 11 | 1 | 3 |
| First Community Bank SBA 7(a) record | Bank | Lexington, SC | 11 | $24.6M | 10 | 1 | 4 |
| Loyal Trust Bank SBA 7(a) record | Bank | Johns Creek, GA | 11 | $14.0M | 11 | 0 | 3 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 11 | $4.73M | 11 | 0 | 1 |
| Renasant Bank SBA 7(a) record | Bank | Tupelo, MS | 10 | $13.1M | 9 | 1 | 0 |
| Pinnacle Bank SBA 7(a) record | Bank | Nashville, TN | 9 | $9.96M | 6 | 3 | 0 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 9 | $8.22M | 9 | 0 | 3 |
| Harvest Small Business Finance, LLC SBA 7(a) record | Non-bank | Laguna Hills, CA | 9 | $6.16M | 9 | 0 | 6 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 9 | $2.79M | 7 | 2 | 0 |
| United Community Bank SBA 7(a) record | Bank | Greenville, SC | 8 | $10.9M | 8 | 0 | 1 |
| American Momentum Bank SBA 7(a) record | Bank | College Station, TX | 8 | $3.67M | 8 | 0 | 0 |
| Cogent Bank SBA 7(a) record | Bank | Orlando, FL | 7 | $10.2M | 5 | 2 | 3 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 7 | $3.61M | 7 | 0 | 3 |
| Oconee State Bank SBA 7(a) record | Bank | Watkinsville, GA | 6 | $10.8M | 4 | 2 | 0 |
| Regions Bank SBA 7(a) record | Bank | Birmingham, AL | 6 | $6.76M | 6 | 0 | 1 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Beer, Wine, and Liquor Retailers | 111 |
| Clothing and Clothing Accessories Retailers | 49 |
| Cosmetics, Beauty Supplies, and Perfume Retailers | 37 |
| Supermarkets and Other Grocery Retailers (except Convenience Retailers) | 32 |
| Used Car Dealers | 24 |
| All Other Miscellaneous Retailers | 20 |
| All Other General Merchandise Retailers | 19 |
| Automotive Parts and Accessories Retailers | 16 |
| Vending Machine Operators | 14 |
| Furniture Retailers | 13 |
| Loan size | Loans |
|---|---|
| Under $150K | 126 |
| $150K to $350K | 112 |
| $350K to $1M | 143 |
| $1M to $2.5M | 88 |
| $2.5M or more | 65 |
- SBA lenders recorded 533 loans to retail stores totaling $522.3M in Georgia in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $430K, with the middle half between $150K and $1.2M. SBA FOIA,
- 507 were SBA 7(a) loans and 27 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.00% on 507 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 465 of the loans, credit unions 4, and non-banks 62. SBA FOIA,
- The five most active lenders made 25.9% of the loans. SBA FOIA,
- The three most active lenders were Metro City Bank with 37, The Huntington National Bank with 29, and Wells Fargo Bank, National Association with 26. SBA FOIA,
- 126 of the loans were under $150K, and 153 were $1M or more. SBA FOIA,
- 2 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 136 approvals of these loans dated in the 12 months to September 30, 2026, versus 228 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 31 of the 112 lenders are based in Georgia. The rest are based elsewhere, most often in California, North Carolina and Ohio. SBA FOIA,
- The most common detailed industry in Georgia was Beer, Wine, and Liquor Retailers, with 111 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to retail stores in Georgia
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Georgia, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 44 and 45, excluding gas, convenience and pharmacy.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.