SBA lending data · fiscal year 2025
54 lenders funded limited-service restaurants in Georgia last year
123 SBA 7(a) loans approved under NAICS 722513. Median approval $490,000, median term 120 months, median initial rate 9.75%.
What was actually approved
Half of all approvals in this industry and state fell between $241,750 and $679,550. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.
The most active lenders
Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.
- 1The Huntington National Bank19 loans · $5.6M
- 2Live Oak Banking Company9 loans · $7.5M
- 3Loyal Trust Bank8 loans · $5.8M
- 4Bank of Hope8 loans · $4.7M
- 5Northeast Bank6 loans · $0.6M
- 6United Community Bank6 loans · $4.7M
- 7Celtic Bank Corporation4 loans · $0.9M
- 8Readycap Lending, LLC3 loans · $2.2M
- 9Citizens Bank3 loans · $1.7M
- 10PCB Bank3 loans · $1.3M
- 11Metro City Bank3 loans · $1.8M
- 12Bank OZK2 loans · $0.5M
This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.
Is this industry getting easier or harder to finance?
| Fiscal year | Loans | Lenders | Median approval |
|---|---|---|---|
| FY2023 | 91 | 44 | $370,000 |
| FY2024 | 101 | 38 | $410,000 |
| FY2025 | 123 | 54 | $490,000 |
Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.
Where this comes from
The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.
This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.
Other industries in Georgia
- Full-Service Restaurants · 130 loans
- Child Care Services · 55 loans
- Residential Remodelers · 50 loans
- Fitness and Recreational Sports Centers · 49 loans
- Snack and Nonalcoholic Beverage Bars · 49 loans
- Beer, Wine, and Liquor Retailers · 45 loans
- Hotels (except Casino Hotels) and Motels · 42 loans
- Offices of Physicians (except Mental Health Specialists) · 38 loans
Limited-Service Restaurants in other states
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