Searching for trusted Georgia SBA lenders to power your business growth? Our comprehensive directory connects Georgia entrepreneurs with approved SBA loan providers throughout Atlanta, Savannah, Augusta, Macon and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Georgia businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Georgia small business thrive in the Peach State’s diverse economic landscape.
| Lender | City | Phone |
|---|---|---|
| PNC Bank | Alpharetta | 678-277-4582 |
| Touchmark National Bank | Alpharetta | 770-407-6717 |
| Ameris Bank | Atlanta | 888-749-2435 |
| South State Bank | Atlanta | 404-969-4400 |
| Truist | Atlanta | 470-225-4257 |
| Cadence Bank | Atlanta | 404-266-4343 |
| Craft Bank | Atlanta | 678-736-5060 |
| East West Bank | Atlanta | 770-454-0416 |
| Fifth Third Bank | Atlanta | 404-279-4532 |
| Georgia Banking Co. | Atlanta | 770-226-8800 |
| Georgia Primary Bank | Atlanta | 404-231-4100 |
| Metro City Bank | Atlanta | 770-455-4989 |
| Regions Bank | Atlanta | 800-734-4667 |
| Synovus Bank | Atlanta | 888-796-6887 |
| Renasant Bank | Atlanta | 404-386-8614 |
| Wallace Bank | Atlanta | 404-439-0111 |
| Wells Fargo Bank | Atlanta | 678-627-3738 |
| First American Bank & Trust | Athens | 706-354-5000 |
| South Coast Bank & Trust | Brunswick | 912-264-8887 |
| Northside Bank | Cartersville | 770-382-1777 |
| Century Bank of Georgia | Cartersville | 770-387-1922 |
| Citizens Bank of Georgia | Cumming | 770-886-9500 |
| First IC Bank | Doraville | 770-451-7200 |
| First National Bank of Coffee County | Douglas | 912-384-1100 |
| PromiseOne Bank | Duluth | 678-385-0800 |
| Loyal Trust Bank | Duluth | 678-783-8018 |
| Pinnacle Bank | Elberton | 706-283-2854 |
| Colony Bank | Fitzgerald | 229-426-6000 |
| Peach State Bank & Trust | Gainesville | 770-536-1100 |
| Chase Bank | Johns Creek | 404-553-2680 |
| Community Bank & Trust West Georgia | LaGrange | 866-902-2265 |
| Embassy National Bank | Lawrenceville | 770-500-1255 |
| Peoples Bank | Lyons | 912-524-2000 |
| First Landmark Bank | Marietta | 770-792-8870 |
| The Piedmont Bank | Norcross | 770-246-0011 |
| Signature Bank of Georgia | Sandy Springs | 404-256-7725 |
| Carver State Bank | Savannah | 912-233-9971 |
| First Chatham Bank | Savannah | 912-629-2900 |
| Queensborough National Bank & Trust Co. | Statesboro | 912-764-9719 |
| Quantum National Bank | Suwanee | 770-945-8300 |
| Vinings Bank | Smyrna | 770-437-0004 |
| Tandem Bank | Tucker | 770-281-9880 |
| Other Lenders | ||
| Affinity Bank | 678-742-9990 | |
| AgSouth Farm Credit | 912-367-7006 | |
| AgGeorgia Farm Credit | 478-987-8300 | |
| American Commerce Bank | 770-537-2265 | |
| American Pride Bank | 478-922-5010 | |
| Bank of America (Small Business Financial Solutions) | 888-931-5626 | |
| Bank of Dudley | 478-277-1500 | |
| Bank of Newington | 912-857-4466 | |
| Bank OZK | 800-274-4482 | |
| Bank of Perry | 478-987-2554 | |
| Bank of Terrell | 229-995-4461 | |
| BBVA Compass | 888-273-5363 | |
| BrightBridge Capital | 423-424-4220 | |
| CBC National Bank | 888-699-5715 | |
| Celtic Bank | 877-274-8597 | |
| Center State Bank | 770-767-6500 | |
| Citizens Trust Bank | 404-575-8280 | |
| Commonwealth Business Bank | 678-580-5356 | |
| Community Bank of Fitzgerald | 229-423-4321 | |
| Community Bank of Pickens County | 706-253-9600 | |
| Cornerstone Bank | 678-553-1483 | |
| Douglas National Bank | 912-384-2233 | |
| Entegra Bank | 770-536-0607 | |
| First Bank of Dalton | 706-226-5377 | |
| First Chatham Bank | 912-629-2900 | |
| First Financial Bank | 205-428-8472 | |
| First Landmark Bank | 770-792-8870 | |
| FNB South | 912-632-7262 | |
| First Community Bank | 229-903-1400 | |
| FSG Bank | 706-295-9300 | |
| Greater Community Bank | 706-295-9300 | |
| Guardian Bank | 229-241-9444 | |
| Heritage Bank | 912-368-3332 | |
| Heritage Bank of the South | 229-878-2047 | |
| Heritage First Bank | 706-378-3978 | |
| Iberia Bank | 678-631-2115 | |
| JPMorgan Chase Bank | 203-944-8515 | |
| LGE Community Credit Union | 770-423-2486 | |
| Live Oak Banking Co. | 910-790-5867 | |
| Morris Bank | 478-272-5202 | |
| Navy Federal Credit Union | 888-842-6328 | |
| Newton Federal Bank | 770-786-7088 | |
| Northeast Georgia Bank | 706-356-4444 | |
| North Georgia National Bank | 706-629-6499 | |
| Oconee State Bank | 706-769-6611 | |
| Paragon Small Business Capital Group | 470-225-5507 | |
| Pineland Bank | 912-632-8631 | |
| Southcrest Bank | 706-938-3166 | |
| Southern States Bank | 404-272-1478 | |
| Southeastern Bank | 912-437-4141 | |
| United Community Bank | 888-987-5884 | |
| Waycross Bank & Trust | 912-283-0001 | |
| Microlenders | ||
| Access to Capital for Entrepreneurs | Norcross | 678-335-5600 |
| Accion East | 866-245-0783 | |
| LiftFund Inc. | 470-344-8396 | |
| Small Business Assistance Corp. | Savannah | 912-232-4700 |
| Sabre Finance | 205-903-1375 | |
| Community Advantage Lenders | ||
| Access to Capital for Entrepreneurs | Norcross | 678-335-5600 |
| Accion East | 866-245-0783 | |
| Coastal Area District Development Authority | Brunswick | 912-261-2500 |
| LiftFund Inc. | 470-344-8396 | |
| Small Business Access Partners Inc. | Gainesville | 770-536-7839 |
| Small Business Assistance Corp. | Savannah | 912-232-4700 |
| Certified Development Companies | ||
| Capital Partners Certified Development Co. | Atlanta | 404-475-6000 |
| Coastal Area District Development Authority | Brunswick | 912-261-2500 |
| CSRA Business Lending | Augusta | 706-210-2010 |
| Georgia Small Business Capital | Atlanta | 404-373-8601 |
| Georgia Certified Development Corp. | Atlanta | 404-240-1733 |
| North Georgia Certified Development Corp. | Dalton | 706-226-1110 |
| Small Business Access Partners | Gainesville | 770-536-7839 |
| Small Business Assistance Corp. | Savannah | 912-232-4700 |
| Southern Regional Area CDC | Valdosta | 229-333-5277 |
Frequently Asked Questions
Q. What are SBA loans and how do they work in Georgia?
A. SBA loans are government-backed loans provided through approved lenders in Georgia. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Georgia small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Georgia entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q. What types of SBA loans are available to Georgia businesses?
A. Georgia businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q. What are the minimum requirements to qualify for an SBA loan in Georgia?
A. To qualify for an SBA loan in Georgia, businesses typically need:
- For-profit operation based in Georgia
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q. How do Georgia SBA lenders support technology businesses in the Atlanta metro area?
A. Georgia’s thriving technology ecosystem, particularly in Atlanta’s “Silicon Peach” corridor, has created specialized SBA lending expertise for tech companies. Several Georgia lenders have dedicated innovation banking divisions that understand the unique needs of fintech, cybersecurity, health IT, and logistics technology companies. These lenders often coordinate with organizations like the Atlanta Tech Village, Georgia Tech’s Advanced Technology Development Center, and the Technology Association of Georgia to provide comprehensive support. While early-stage startups typically rely on venture capital, SBA loans become viable options as tech companies reach revenue generation and scaling phases, with Georgia lenders offering specialized packages for equipment, talent acquisition, and working capital needs during growth periods.
Q. Are there special SBA loan programs for Georgia’s minority-owned businesses?
A. Yes, Georgia’s diverse business community has led to robust support for minority entrepreneurs. Several Georgia SBA lenders participate in the SBA Community Advantage program, which focuses on underserved communities. These lenders often coordinate with organizations like the Atlanta Minority Business Development Agency, the Georgia Minority Supplier Development Council, and the Russell Center for Innovation and Entrepreneurship to provide comprehensive support. Some Georgia lenders have developed specialized programs for businesses in Atlanta’s historically Black neighborhoods, rural minority communities, and emerging immigrant business districts, offering tailored financing solutions alongside technical assistance and mentorship connections.
Q. How do Georgia SBA lenders help businesses in the film and entertainment industry?
A. Georgia’s booming film industry has influenced local SBA lending practices. Several Georgia lenders have developed expertise in financing businesses that support film production, including equipment rental companies, post-production facilities, catering services, and specialized transportation providers. These lenders understand the project-based cash flow patterns common in the industry and can structure loans to accommodate them. Some Georgia SBA lenders coordinate with the Georgia Film Office and Georgia Entertainment Industry Investment Act programs to help businesses maximize state incentives alongside SBA financing. These specialized lending programs have helped build Georgia’s robust film production ecosystem beyond the major studios to include a network of small businesses supporting the industry.
Q. Can agricultural and food processing businesses in Georgia access specialized SBA financing?
A. Yes, Georgia’s diverse agricultural sector benefits from specialized SBA lending expertise. While the SBA doesn’t directly fund primary agricultural production, Georgia SBA lenders support value-added agricultural businesses, food processors, farm-to-table restaurants, and agritourism operations. These lenders understand the unique aspects of Georgia’s signature crops like peaches, pecans, peanuts, and poultry, and can structure loans to accommodate seasonal harvest cycles. Several Georgia lenders coordinate with the Georgia Department of Agriculture and the Center of Innovation for Agribusiness to provide comprehensive support. Some lenders have developed expertise in financing innovative agricultural technologies like precision farming systems, sustainable irrigation, and specialized food processing equipment increasingly important to Georgia’s agricultural future.
Q. How do Georgia SBA lenders support businesses in the logistics and transportation sector?
A. Georgia’s position as a logistics hub has created specialized lending expertise for transportation and supply chain businesses. Several Georgia SBA lenders offer industry-specific loan packages designed for the unique needs of trucking companies, warehousing operations, last-mile delivery services, and freight forwarders. These lenders understand the capital-intensive nature of logistics businesses and can structure loans to accommodate equipment acquisition and maintenance cycles. Some Georgia lenders coordinate with the Georgia Center of Innovation for Logistics and the Georgia Ports Authority to help businesses capitalize on the state’s transportation infrastructure. These specialized lending programs have helped build Georgia’s position as a logistics powerhouse by supporting the ecosystem of small businesses that complement major players like UPS, Delta, and the Port of Savannah.
Q. Are there specialized SBA loan programs for Georgia’s healthcare providers and medical practices?
A. Yes, Georgia’s diverse healthcare landscape benefits from specialized SBA lending expertise. Several Georgia lenders offer tailored loan packages for medical practices, dental offices, veterinary clinics, and specialized care facilities. These lenders understand healthcare reimbursement models and can structure loans to accommodate the cash flow patterns typical in this sector. The SBA 504 program is particularly popular for medical office buildings and equipment-intensive practices. Some Georgia lenders have developed expertise in financing innovative healthcare delivery models like telemedicine operations, mobile medical services, and community health initiatives addressing Georgia’s rural healthcare challenges. These specialized programs align with Georgia’s efforts to improve healthcare access across the state’s diverse urban and rural communities.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.