# SBA loans to gyms, fitness studios and recreational sports centers in Georgia **Short answer:** SBA's loan file shows 207 loans to gyms, fitness studios and recreational sports centers in Georgia since October 2019. 10.1% went through SBA Express, against 27.1% nationally. 12.6% went to businesses more than two years old, against 24.5% nationally. Canonical page: https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/georgia/ Data as of: 2026-06-30 These are the 207 SBA 7(a) loans to [gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/) in [Georgia](https://www.sbaexpress.loans/georgia-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Georgia differs from the U.S. **What this means for you.** SBA Express was a less common route here, so most of these loans went through other 7(a) loan types. ### SBA Express 10.1% of the loans in Georgia went through SBA Express, against 27.1% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Georgia: 10.1% - United States: 27.1% ### Established businesses 12.6% of the loans in Georgia went to businesses more than two years old, against 24.5% nationally. In business more than 2 years, share of loans, Oct 2019 to Jun 2026 - Georgia: 12.6% - United States: 24.5% We compared 9 measures with the national figure for the same period, and these are the 2 that differ clearly. 2 more differences are in the table. ## Georgia next to the U.S. **Georgia compared with all loans to gyms, fitness studios and recreational sports centers in the U.S., October 2019 to June 2026** | Measure | Georgia | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 2.1% | 2.0% | No clear gap | | Median loan | $373,600 | $265,950 | No clear gap | | Middle half of loans | $227,500 to $609,950 | $75,000 to $500,000 | – | | Startups (the loan opens the business) | 64.7% | 53.8% | Clearly higher | | In business 2 years or less | 10.6% | 14.3% | No clear gap | | In business more than 2 years | 12.6% | 24.5% | Clearly lower | | Change of ownership | 12.1% | 6.5% | No clear gap | | SBA Express | 10.1% | 27.1% | Clearly lower | | Lines of credit | 9.7% | 17.8% | Clearly lower | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.5 points over Prime | 2.5 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Georgia The 5 lenders below made 83 of the 207 loans approved October 2019 to June 2026, or 40.1%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Georgia** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 47 | 22.7% | 20.6% | | [Citizens Bank (Elizabethton, TN)](https://www.sbaexpress.loans/sba-express-lenders/citizens-bank-tn/) | 15 | 7.2% | 3.0% | | [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 10 | 4.8% | 2.7% | | [Georgia's Own Credit Union](https://www.sbaexpress.loans/sba-express-lenders/georgia-s-own-credit-union/) | 6 | 2.9% | Not in top 5 | | [First Bank of the Lake](https://www.sbaexpress.loans/sba-express-lenders/first-bank-of-the-lake/) | 5 | 2.4% | Not in top 5 | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Gyms, fitness studios and recreational sports centers in other states Other states where these loans differ clearly from the national pattern, most loans first. **Gyms, fitness studios and recreational sports centers by state** | State | Loans since October 2019 | | --- | --- | | [Texas](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/texas/) | 686 | | [California](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/california/) | 632 | | [Florida](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/florida/) | 485 | | [New York](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/new-york/) | 313 | | [Ohio](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/ohio/) | 297 | | [Washington](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/washington/) | 189 | | [Michigan](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/michigan/) | 178 | | [Massachusetts](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/massachusetts/) | 149 | ## More industries in Georgia Other industries in Georgia with a clear difference from the national pattern, most loans first. **Other industries in Georgia** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/georgia/) | 580 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/georgia/) | 497 | | [Child care centers and preschools](https://www.sbaexpress.loans/industries/child-care-services/georgia/) | 241 | | [Coffee shops, ice cream parlors, juice and tea bars and doughnut shops](https://www.sbaexpress.loans/industries/snack-nonalcoholic-beverage-bars/georgia/) | 178 | | [Liquor stores](https://www.sbaexpress.loans/industries/beer-wine-liquor-retailers/georgia/) | 153 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/georgia/) | 148 | | [Gas stations with convenience stores](https://www.sbaexpress.loans/industries/gasoline-stations-with-convenience-stores/georgia/) | 142 | | [Physician practices](https://www.sbaexpress.loans/industries/offices-of-physicians/georgia/) | 142 | How to read this Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [How we build these pages](https://www.sbaexpress.loans/method/). ## Sources - [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)