STRONG
How competitive are their spreads? Lower = better for you.
STRONG
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
STRONG
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
2,352
2010–2026
Total Volume
$2.0B
Gross loan amounts
States Active
44
With recorded loans
Programs
7(a) & 504
2343 total segments
Ameris Bank has a strong presence in the restaurant and food service industry, with 506 deals, making it a solid choice for businesses in this sector.
With an average 7(a) spread of P+2.21%, Ameris Bank offers competitive pricing compared to the national median of P+2.75%, which can save you money on interest.
Ameris Bank's growth trend shows a decline of 27% year-over-year, which may indicate a tightening of lending criteria, making it potentially harder to get approved.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 425 504 loans, which use fixed SBA debenture rates.
Top 15 of 44 states where Ameris Bank has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Gas Stations
Retail Trade
Hotels & Accommodation
Accommodation & Food Services
Physician & Dental Offices
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Manufacturing
Manufacturing
Administrative & Waste Services
Administrative & Waste Services
Auto Repair & Maintenance
Other Services
+ 7 more
All recorded SBA lending activity for Ameris Bank, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 68 | P+2.75% | $283K | Q2 2018 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 42 | P+2.00% | $1.4M | Q3 2021 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 33 | P+2.50% | $417K | Q2 2024 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 32 | P+2.00% | $745K | Q1 2021 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 29 | P+2.75% | $282K | Q1 2019 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 29 | P+2.50% | $408K | Q3 2021 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 29 | P+2.00% | $741K | Q2 2024 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 23 | P+2.00% | $1.3M | Q2 2023 |
| Georgia · Restaurants & Food Service · $500K – $1M | 504 | 23 | — | $750K | Q1 2023 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 19 | P+2.25% | $721K | Q3 2024 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.75% | $288K | Q4 2018 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 16 | P+2.75% | $122K | Q3 2016 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 16 | — | $754K | Q2 2021 |
| Texas · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.75% | $312K | Q2 2018 |
| Georgia · Physician & Dental Offices · $150K – $350K | 7(a) | 14 | P+2.50% | $277K | Q3 2018 |
| Georgia · Food & Beverage Stores · $1M – $2M | 7(a) | 14 | P+2.13% | $1.4M | Q1 2023 |
| Georgia · Gas Stations · $150K – $350K | 7(a) | 14 | P+2.50% | $296K | Q3 2018 |
| Georgia · Hotels & Accommodation · $2M – $5M | 7(a) | 14 | P+1.50% | $3.0M | Q2 2020 |
| Texas · Gas Stations · $500K – $1M | 7(a) | 14 | P+2.13% | $732K | Q4 2017 |
| Florida · Restaurants & Food Service · $1M – $2M | 504 | 14 | — | $1.3M | Q3 2025 |
| Florida · Hotels & Accommodation · $2M – $5M | 7(a) | 14 | P+1.38% | $3.8M | Q1 2020 |
| Georgia · Gas Stations · $2M – $5M | 7(a) | 13 | P+1.50% | $2.7M | Q3 2020 |
| Georgia · Manufacturing · $500K – $1M | 7(a) | 13 | P+2.00% | $662K | Q2 2024 |
| Georgia · Hotels & Accommodation · $1M – $2M | 7(a) | 12 | P+1.75% | $1.7M | Q3 2021 |
| Georgia · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 12 | P+2.75% | $287K | Q4 2018 |
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Real experiences from borrowers who closed SBA loans with Ameris Bank.
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