SBA 7(a) lenders in Cheatham, TN
Approvals in SBA fiscal years 2008–2026. Source data as of 2026-06-30.
Lenders
22 institutions have SBA 7(a) loans on record in Cheatham, together $19.9M across 78 loans. Pinnacle Bank is the largest, with 23% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Pinnacle Bank | 6 | $4.6M | 23.1% | 0.00% |
| 2 | U.S. Bank, National Association | 29 | $3.2M | 16.2% | 1.00% |
| 3 | First Financial Bank, National Association | 11 | $2.7M | 13.5% | 0.00% |
| 4 | Oconee State Bank | 1 | $1.4M | 7.0% | 0.00% |
| 5 | Business Loan Center, LLC | 1 | $1.1M | 5.8% | 0.00% |
| 6 | Readycap Lending, LLC | 2 | $1.1M | 5.3% | 12.77% |
| 7 | Live Oak Banking Company | 1 | $843K | 4.2% | 0.00% |
| 8 | Legends Bank | 2 | $790K | 4.0% | 0.00% |
| 9 | Wells Fargo Bank National Association | 1 | $755K | 3.8% | 0.00% |
| 10 | Harvest Small Business Finance, LLC | 1 | $675K | 3.4% | 0.00% |
| 11 | First Merchants Bank | 1 | $495K | 2.5% | 0.00% |
| 12 | Volunteer Bank, A Division of Lawrence Bank | 1 | $450K | 2.3% | 0.00% |
| 13 | United Community Bank | 2 | $350K | 1.8% | 72.75% |
| 14 | Bank of America, National Association | 2 | $335K | 1.7% | 0.00% |
| 15 | Northeast Bank | 2 | $253K | 1.3% | 0.00% |
| 16 | United Midwest Savings Bank National Association | 2 | $250K | 1.3% | 0.00% |
| 17 | Regions Bank | 1 | $150K | 0.8% | 0.00% |
| 18 | Byline Bank | 1 | $120K | 0.6% | 0.00% |
| 19 | Newtek Small Business Finance, Inc. | 1 | $108K | 0.5% | 0.00% |
| 20 | Planters Bank Inc | 1 | $90K | 0.5% | 0.00% |
| 21 | BayFirst National Bank | 2 | $80K | 0.4% | 0.00% |
| 22 | VelocitySBA, LLC | 7 | $68K | 0.3% | 20.14% |
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 | Other services | 11 | $2.9M | 14.4% |
| 2 | Construction | 20 | $2.9M | 14.4% |
| 3 | Manufacturing | 6 | $2.4M | 12.1% |
| 4 | Health care & social assistance | 6 | $2.1M | 10.6% |
| 5 | Wholesale trade | 3 | $1.8M | 8.8% |
| 6 | Real estate & leasing | 2 | $1.5M | 7.8% |
| 7 | Retail trade | 5 | $1.1M | 5.7% |
| 8 | Finance & insurance | 2 | $1.1M | 5.3% |
| 9 | Accommodation & food services | 3 | $952K | 4.8% |
| 10 | Retail trade | 4 | $869K | 4.4% |
| 11 | Manufacturing | 2 | $800K | 4.0% |
| 12 | Manufacturing | 1 | $458K | 2.3% |
| 13 | Transportation & warehousing | 2 | $318K | 1.6% |
| 14 | Arts, entertainment & recreation | 3 | $296K | 1.5% |
| 15 | Administrative & waste services | 2 | $160K | 0.8% |
| 16 | Transportation & warehousing | 1 | $150K | 0.8% |
| 17 | Professional & technical services | 3 | $109K | 0.5% |
| 18 | Educational services | 1 | $50K | 0.3% |
| 19 | Information | 1 | $8K | 0.0% |
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.