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
253
2010–2025
Total Volume
$260M
Gross loan amounts
States Active
4
With recorded loans
Programs
7(a)
253 total segments
Georgia's Own Credit Union is a 7(a)-only lender, which means they focus exclusively on this program. If you're looking for a 504 loan, you'll need to consider other options.
With an average 7(a) spread of P+2.08%, Georgia's Own Credit Union offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender has a strong focus on startups, with 56% of their deals going to new businesses. If you're a startup looking for funding, this lender may be well-suited to your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes.
States where Georgia's Own Credit Union has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Gas Stations
Retail Trade
Miscellaneous Retail
Retail Trade
Auto Repair & Maintenance
Other Services
Manufacturing
Manufacturing
Other Health Practitioners
Health Care & Social Assistance
Arts, Entertainment & Recreation
Arts, Entertainment & Recreation
Retail Trade
Retail Trade
+ 7 more
All recorded SBA lending activity for Georgia's Own Credit Union, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Georgia · Restaurants & Food Service · $150K – $350K | 7(a) | 19 | P+2.00% | $261K | Q2 2024 |
| Georgia · Gas Stations · $1M – $2M | 7(a) | 14 | P+2.73% | $1.3M | Q1 2022 |
| Georgia · Miscellaneous Retail · $2M – $5M | 7(a) | 12 | P+1.00% | $3.3M | Q4 2024 |
| Georgia · Restaurants & Food Service · $500K – $1M | 7(a) | 11 | P+2.00% | $733K | Q2 2025 |
| Georgia · Gas Stations · $500K – $1M | 7(a) | 7 | P+2.73% | $752K | Q3 2021 |
| Georgia · Gas Stations · $2M – $5M | 7(a) | 6 | P+2.73% | $2.6M | Q4 2021 |
| Georgia · Restaurants & Food Service · $350K – $500K | 7(a) | 6 | P+1.75% | $466K | Q4 2023 |
| Georgia · Administrative & Waste Services · $150K – $350K | 7(a) | 5 | P+2.00% | $298K | Q1 2025 |
| Georgia · Miscellaneous Retail · $1M – $2M | 7(a) | 5 | P+1.50% | $1.5M | Q4 2024 |
| Georgia · Specialty Trade Contractors · $1M – $2M | 7(a) | 4 | P+2.49% | $1.5M | Q3 2021 |
| Georgia · Food & Beverage Stores · $500K – $1M | 7(a) | 4 | P+2.75% | $750K | Q3 2022 |
| Georgia · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.00% | $203K | Q3 2021 |
| Georgia · Restaurants & Food Service · $1M – $2M | 7(a) | 4 | P+1.88% | $1.4M | Q3 2022 |
| Georgia · Auto Repair & Maintenance · $1M – $2M | 7(a) | 4 | P+1.75% | $1.6M | Q2 2023 |
| Georgia · Auto Repair & Maintenance · $2M – $5M | 7(a) | 4 | P+2.24% | $3.6M | Q3 2022 |
| Georgia · Engineering & Architecture · $150K – $350K | 7(a) | 4 | P+0.74% | $322K | Q1 2023 |
| Georgia · Other Health Practitioners · $150K – $350K | 7(a) | 4 | P+1.75% | $237K | Q4 2022 |
| Georgia · Laundry & Dry Cleaning · $350K – $500K | 7(a) | 3 | P+2.00% | $392K | Q4 2024 |
| Georgia · Wholesale Trade · $150K – $350K | 7(a) | 3 | P+2.50% | $207K | Q3 2022 |
| Georgia · Accounting & Tax · $500K – $1M | 7(a) | 3 | P+2.00% | $774K | Q4 2022 |
| Georgia · Auto Repair & Maintenance · $150K – $350K | 7(a) | 3 | P+2.75% | $286K | Q1 2022 |
| Georgia · Other Health Practitioners · $500K – $1M | 7(a) | 3 | P+2.25% | $666K | Q4 2023 |
| Georgia · Retail Trade · Under $150K | 7(a) | 3 | P+2.75% | $139K | Q2 2021 |
| Georgia · Finance & Insurance · $150K – $350K | 7(a) | 3 | P+0.75% | $340K | Q1 2023 |
| Georgia · Auto Repair & Maintenance · $500K – $1M | 7(a) | 3 | P+2.25% | $699K | Q3 2023 |
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Real experiences from borrowers who closed SBA loans with Georgia's Own Credit Union.
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