# SBA loans to home remodeling contractors in Georgia **Short answer:** SBA's loan file shows 148 loans to home remodeling contractors in Georgia since October 2019. 29.7% went through SBA Express, against 65.8% nationally. 33.1% went to startups, against 10.6% nationally. Canonical page: https://www.sbaexpress.loans/industries/residential-remodelers/georgia/ Data as of: 2026-06-30 These are the 148 SBA 7(a) loans to [home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/) 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 29.7% of the loans in Georgia went through SBA Express, against 65.8% nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Georgia: 29.7% - United States: 65.8% ### Startups 33.1% of the loans in Georgia went to startups, where the loan opens the business, against 10.6% nationally. Startups (the loan opens the business), share of loans, Oct 2019 to Jun 2026 - Georgia: 33.1% - United States: 10.6% ### Loan size The median loan was $150,000 in Georgia, 99% above the national median of $75,350. The middle half of loans in Georgia ran from $50,000 to $225,000. Nationally the middle half ran from $30,000 to $150,000. Median loan, Oct 2019 to Jun 2026 - Georgia: $150,000 - United States: $75,350 We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table. ## Georgia next to the U.S. **Georgia compared with all loans to home remodeling contractors in the U.S., October 2019 to June 2026** | Measure | Georgia | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 1.5% | 2.1% | No clear gap | | Median loan | $150,000 | $75,350 | Clearly higher | | Middle half of loans | $50,000 to $225,000 | $30,000 to $150,000 | – | | Startups (the loan opens the business) | 33.1% | 10.6% | Clearly higher | | In business 2 years or less | 15.5% | 15.9% | No clear gap | | In business more than 2 years | 45.9% | 69.2% | Clearly lower | | Change of ownership | 4.1% | 2.9% | No clear gap | | SBA Express | 29.7% | 65.8% | Clearly lower | | Lines of credit | 29.7% | 51.6% | Clearly lower | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.75 points over Prime | 2.8 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 81 of the 148 loans approved October 2019 to June 2026, or 54.7%. 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 | | --- | --- | --- | --- | | [United Midwest Savings Bank](https://www.sbaexpress.loans/sba-express-lenders/united-midwest-savings-bank/) | 29 | 19.6% | 5.1% | | [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/) | 22 | 14.9% | Not in top 5 | | [BayFirst National Bank](https://www.sbaexpress.loans/sba-express-lenders/bayfirst-national-bank/) | 12 | 8.1% | Not in top 5 | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 10 | 6.8% | 16.4% | | [JPMorgan Chase Bank](https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/) | 8 | 5.4% | 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. ## Home remodeling contractors in other states Other states where these loans differ clearly from the national pattern, most loans first. **Home remodeling contractors by state** | State | Loans since October 2019 | | --- | --- | | [Ohio](https://www.sbaexpress.loans/industries/residential-remodelers/ohio/) | 693 | | [California](https://www.sbaexpress.loans/industries/residential-remodelers/california/) | 621 | | [New York](https://www.sbaexpress.loans/industries/residential-remodelers/new-york/) | 609 | | [Florida](https://www.sbaexpress.loans/industries/residential-remodelers/florida/) | 455 | | [New Jersey](https://www.sbaexpress.loans/industries/residential-remodelers/new-jersey/) | 336 | | [Pennsylvania](https://www.sbaexpress.loans/industries/residential-remodelers/pennsylvania/) | 334 | | [Michigan](https://www.sbaexpress.loans/industries/residential-remodelers/michigan/) | 317 | | [Texas](https://www.sbaexpress.loans/industries/residential-remodelers/texas/) | 317 | ## 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 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/georgia/) | 207 | | [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 | | [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)