Ameris Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Ameris Bank
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 264 | $165.7M | $628K | 10.2% |
| 722513 | Limited-Service Restaurants | 256 | $158.8M | $620K | 9.9% |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 144 | $126.6M | $879K | 5.6% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 104 | $90.6M | $871K | 4.0% |
| 447110 | Gasoline Stations with Convenience Stores | 88 | $142.8M | $1.6M | 3.4% |
| 722511 | Full-Service Restaurants | 72 | $104.6M | $1.5M | 2.8% |
| 457110 | Other | 56 | $112.3M | $2.0M | 2.2% |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 48 | $26.6M | $555K | 1.9% |
| 812199 | Other Personal Care Services | 48 | $21.3M | $443K | 1.9% |
| 561730 | Landscaping Services | 48 | $29.9M | $622K | 1.9% |
Geographic Distribution
SBA lending activity for Ameris Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 664 | $809.4M | 25.6% |
| Florida (FL) | 480 | $502.3M | 18.5% |
| North Carolina (NC) | 96 | $200.7M | 3.7% |
| Texas (TX) | 200 | $193.8M | 7.7% |
| California (CA) | 224 | $166.3M | 8.6% |
| Massachusetts (MA) | 136 | $147.1M | 5.2% |
| South Carolina (SC) | 64 | $132.3M | 2.5% |
| Virginia (VA) | 96 | $93.2M | 3.7% |
| Arizona (AZ) | 64 | $80.3M | 2.5% |
| Michigan (MI) | 48 | $37.8M | 1.9% |
| Pennsylvania (PA) | 40 | $35.8M | 1.5% |
| Tennessee (TN) | 40 | $35.8M | 1.5% |
| New Jersey (NJ) | 32 | $34.2M | 1.2% |
| Maine (ME) | 24 | $31.7M | 0.9% |
| Louisiana (LA) | 24 | $24.1M | 0.9% |
| Washington (WA) | 24 | $23.9M | 0.9% |
| Missouri (MO) | 32 | $23.2M | 1.2% |
| Colorado (CO) | 40 | $22.5M | 1.5% |
| New York (NY) | 32 | $19.3M | 1.2% |
| Oregon (OR) | 8 | $17.9M | 0.3% |
| Illinois (IL) | 40 | $16.3M | 1.5% |
| Mississippi (MS) | 16 | $14.3M | 0.6% |
| Alabama (AL) | 16 | $13.9M | 0.6% |
| Nevada (NV) | 32 | $13.4M | 1.2% |
| Ohio (OH) | 16 | $9.7M | 0.6% |
| Oklahoma (OK) | 16 | $9.1M | 0.6% |
| Minnesota (MN) | 8 | $8.0M | 0.3% |
| Wisconsin (WI) | 8 | $7.8M | 0.3% |
| North Dakota (ND) | 8 | $6.6M | 0.3% |
| Maryland (MD) | 16 | $6.2M | 0.6% |
| Rhode Island (RI) | 8 | $6.0M | 0.3% |
| Connecticut (CT) | 8 | $5.9M | 0.3% |
| Arkansas (AR) | 8 | $5.8M | 0.3% |
| Nebraska (NE) | 8 | $5.8M | 0.3% |
| Idaho (ID) | 8 | $4.9M | 0.3% |
| Montana (MT) | 8 | $3.6M | 0.3% |
Why Choose Ameris Bank?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 2,592 SBA loans approved, totaling $2.77B in financing
- ✓Industry Expertise: Specialized focus on Fitness and Recreational Sports Centers, Limited-Service Restaurants, RV (Recreational Vehicle) Parks and Campgrounds
- ✓Competitive Terms: Average interest rate of 6.56% with flexible term lengths averaging 196 months
- ✓Loan Range: Loan sizes from $35K to $5.0M, with an average of $1.1M
- ✓Nationwide Reach: Active lending in 36 states, with strong presence in GA, FL, CA
Note: Approval and terms are subject to SBA and lender requirements. This profile is based on historical data and does not guarantee future lending decisions.
Frequently Asked Questions
Common questions about Ameris Bank SBA lending
What types of businesses does Ameris Bank typically finance?
Ameris Bank specializes in SBA 7(a) lending to specific industries including fitness and recreational sports centers, limited-service restaurants, rv (recreational vehicle) parks and campgrounds, snack and nonalcoholic beverage bars. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Ameris Bank's typical SBA loan terms?
Ameris Bank's SBA 7(a) loans typically feature an average interest rate of 6.56% and average term length of 196 months (approximately 16 years). Loan sizes range from $35K to $5.0M, with an average loan size of $1.1M.
Do I need a business valuation for a Ameris Bank SBA loan?
Yes, Ameris Bank typically requires a professional business valuation for SBA loans over $250,000 or for change-of-ownership transactions. A certified valuation helps establish the purchase price, loan amount, and ensures SBA compliance. The valuation typically costs $5,000-$15,000 depending on business complexity.
How does Ameris Bank compare to other SBA lenders?
Ameris Bank has originated 2,592 SBA loans totaling $2.77B since 2020. They distinguish themselves through industry specialization and expertise in their focus sectors. Compare their rates and terms with other lenders in our Commercial Lending Directory.
What states does Ameris Bank lend in?
Ameris Bank provides SBA 7(a) financing with particularly strong presence in GA, FL, CA, TX, MA. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
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