SBA 7(a) lenders in Emanuel, GA
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
24 institutions have SBA 7(a) loans on record in Emanuel, together $26.3M across 31 loans. Pinnacle Bank is the largest, with 23% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank | 4 | $6.1M | 23.1% | 0.00% |
| 2 | Robins Financial CU | 3 | $3.6M | 13.8% | 0.00% |
| 3 | Readycap Lending, LLC | 1 | $3.0M | 11.4% | 0.00% |
| 4 | Newtek Small Business Finance, Inc. | 2 | $2.7M | 10.2% | 0.00% |
| 5 | BizCapital BIDCO I, LLC | 1 | $2.7M | 10.2% | 0.00% |
| 6 | First Bank | 1 | $1.3M | 4.8% | 0.00% |
| 7 | Pineland Bank | 2 | $1.1M | 4.3% | 0.00% |
| 8 | United Community Bank | 1 | $985K | 3.7% | 0.00% |
| 9 | First Financial Bank | 1 | $975K | 3.7% | 0.00% |
| 10 | Commonwealth Business Bank | 1 | $608K | 2.3% | 0.00% |
| 11 | The Huntington National Bank | 1 | $571K | 2.2% | 0.00% |
| 12 | First Horizon Bank | 1 | $410K | 1.6% | 0.00% |
| 13 | The Citizens Bank of Swainsboro | 1 | $350K | 1.3% | 0.00% |
| 14 | Newtek Bank, National Association | 1 | $300K | 1.1% | 0.00% |
| 15 | BayFirst National Bank | 1 | $225K | 0.9% | 0.00% |
| 16 | Ameris Bank | 1 | $220K | 0.8% | 0.00% |
| 17 | Woori America Bank | 1 | $215K | 0.8% | 0.00% |
| 18 | Queensborough National Bank and Trust Company | 1 | $208K | 0.8% | 0.00% |
| 19 | Peoples Bank | 1 | $185K | 0.7% | 0.00% |
| 20 | Independence Bank | 1 | $150K | 0.6% | 87.58% |
| 21 | Truist Bank | 1 | $150K | 0.6% | 0.00% |
| 22 | Regions Bank | 1 | $149K | 0.6% | 0.00% |
| 23 | United Midwest Savings Bank National Association | 1 | $100K | 0.4% | 0.00% |
| 24 | Bank of Hope | 1 | $35K | 0.1% | 90.66% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Manufacturing | 4 | $9.7M | 36.9% |
| 2 | Wholesale trade | 3 | $3.9M | 15.0% |
| 3 | Construction | 3 | $3.7M | 14.1% |
| 4 | Retail trade | 4 | $2.2M | 8.5% |
| 5 | Manufacturing | 2 | $2.1M | 8.2% |
| 6 | Health care & social assistance | 5 | $1.8M | 6.9% |
| 7 | Accommodation & food services | 1 | $985K | 3.7% |
| 8 | Professional & technical services | 2 | $508K | 1.9% |
| 9 | Transportation & warehousing | 2 | $435K | 1.7% |
| 10 | Retail trade | 2 | $260K | 1.0% |
| 11 | Educational services | 1 | $225K | 0.9% |
| 12 | Other services | 1 | $185K | 0.7% |
| 13 | Arts, entertainment & recreation | 1 | $150K | 0.6% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.