STRONG
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
290
2010–2026
Total Volume
$226M
Gross loan amounts
States Active
10
With recorded loans
Programs
7(a) & 504
290 total segments
Georgia Banking Company has a strong focus on the restaurant and food service industry, with 65 deals in this sector, making it a great choice for food-related businesses seeking SBA loans.
With an average 7(a) spread of P+2.12%, Georgia Banking Company offers competitive pricing compared to the national median of P+2.75%, which can save borrowers money over the life of their loans.
The lender's growth trend shows a significant decline of 43% year-over-year, which may indicate a tightening of lending practices or reduced capacity, making it essential for borrowers to prepare robust applications.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 29 504 loans, which use fixed SBA debenture rates.
States where Georgia Banking Company has recorded SBA lending activity.
+ 5 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Manufacturing
Manufacturing
Personal Care (Salons, Spas)
Other Services
Retail Trade
Retail Trade
Gas Stations
Retail Trade
Administrative & Waste Services
Administrative & Waste Services
Real Estate
Real Estate
Social Assistance
Health Care & Social Assistance
+ 7 more
All recorded SBA lending activity for Georgia Banking Company, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 16 | P+2.25% | $251K | Q2 2025 |
| Georgia · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 10 | P+2.50% | $272K | Q1 2024 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 8 | P+2.25% | $1.5M | Q4 2025 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 8 | P+2.50% | $734K | Q1 2025 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 7 | P+1.75% | $410K | Q4 2024 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 5 | P+2.50% | $1.3M | Q1 2020 |
| Georgia · Manufacturing · $2M – $5M | 7(a) | 5 | P+2.25% | $2.5M | Q3 2021 |
| Georgia · Retail Trade · $150K – $350K | 7(a) | 5 | P+2.50% | $260K | Q2 2022 |
| Georgia · Manufacturing · $500K – $1M | 7(a) | 4 | P+2.38% | $771K | Q3 2024 |
| Georgia · Specialty Trade Contractors · $500K – $1M | 7(a) | 4 | P+2.50% | $753K | Q3 2021 |
| North Carolina · Restaurants & Food Service · $350K – $500K | 7(a) | 4 | P+2.50% | $448K | Q2 2019 |
| North Carolina · Restaurants & Food Service · $150K – $350K | 7(a) | 4 | P+2.75% | $284K | Q3 2017 |
| Texas · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.75% | $396K | Q4 2019 |
| Georgia · Specialty Trade Contractors · $150K – $350K | 7(a) | 3 | P+2.75% | $285K | Q2 2022 |
| Georgia · Wholesale Trade · $350K – $500K | 7(a) | 3 | P+2.75% | $427K | Q1 2021 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 3 | P+2.00% | $827K | Q4 2021 |
| Georgia · Real Estate · $500K – $1M | 7(a) | 3 | P+2.00% | $746K | Q1 2021 |
| Florida · Restaurants & Food Service · $350K – $500K | 7(a) | 3 | P+2.75% | $450K | Q2 2017 |
| Georgia · Restaurants & Food Service · Under $150K | 7(a) | 2 | P+2.50% | $117K | Q1 2022 |
| Georgia · Administrative & Waste Services · $350K – $500K | 7(a) | 2 | P+1.00% | $391K | Q3 2021 |
| Georgia · Administrative & Waste Services · $500K – $1M | 7(a) | 2 | P+2.25% | $788K | Q2 2022 |
| Georgia · Education · $150K – $350K | 7(a) | 2 | P+2.63% | $287K | Q2 2020 |
| Georgia · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.38% | $309K | Q4 2019 |
| Georgia · Arts, Entertainment & Recreation · $1M – $2M | 7(a) | 2 | P+2.75% | $1.5M | Q4 2014 |
| Georgia · Restaurants & Food Service · $2M – $5M | 7(a) | 2 | P+2.63% | $2.5M | Q4 2018 |
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