Ameris Bank
SBA 7(a) Lending Profile · All Time analysis
Industry Focus
Top industries served by Ameris Bank · All Time
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 722513 | Limited-Service Restaurants | 189 | $94.5M | $500K | 6.0% |
| 624410 | Child Care Services | 101 | $98.4M | $974K | 3.2% |
| 721110 | Hotels (except Casino Hotels) and Motels | 96 | $219.0M | $2.3M | 3.1% |
| 621210 | Offices of Dentists | 87 | $69.3M | $797K | 2.8% |
| 713940 | Fitness and Recreational Sports Centers | 83 | $42.0M | $506K | 2.6% |
| 722511 | Full-Service Restaurants | 75 | $57.2M | $763K | 2.4% |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 50 | $31.0M | $620K | 1.6% |
| 811111 | General Automotive Repair | 46 | $17.2M | $374K | 1.5% |
| 722515 | Snack and Nonalcoholic Beverage Bars | 40 | $21.6M | $540K | 1.3% |
| 812112 | Beauty Salons | 35 | $12.4M | $355K | 1.1% |
Geographic Distribution
SBA lending activity for Ameris Bank by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 1,426 | $958.1M | 45.3% |
| Florida (FL) | 712 | $412.1M | 22.6% |
| Texas (TX) | 168 | $146.1M | 5.3% |
| North Carolina (NC) | 108 | $103.7M | 3.4% |
| Alabama (AL) | 252 | $83.9M | 8.0% |
| South Carolina (SC) | 113 | $81.1M | 3.6% |
| Tennessee (TN) | 58 | $52.9M | 1.8% |
| California (CA) | 45 | $30.8M | 1.4% |
| Virginia (VA) | 35 | $26.8M | 1.1% |
| Massachusetts (MA) | 25 | $23.0M | 0.8% |
| Arizona (AZ) | 14 | $14.3M | 0.4% |
| Maryland (MD) | 18 | $12.4M | 0.6% |
| Arkansas (AR) | 12 | $12.3M | 0.4% |
| Michigan (MI) | 14 | $10.7M | 0.4% |
| Mississippi (MS) | 13 | $10.4M | 0.4% |
| Illinois (IL) | 12 | $9.7M | 0.4% |
| New York (NY) | 7 | $9.3M | 0.2% |
| Pennsylvania (PA) | 9 | $8.7M | 0.3% |
| Colorado (CO) | 11 | $8.0M | 0.3% |
| Louisiana (LA) | 9 | $7.3M | 0.3% |
| New Jersey (NJ) | 8 | $7.2M | 0.3% |
| Ohio (OH) | 6 | $7.1M | 0.2% |
| West Virginia (WV) | 4 | $6.8M | 0.1% |
| Kentucky (KY) | 10 | $6.0M | 0.3% |
| Indiana (IN) | 7 | $5.8M | 0.2% |
| District of Columbia (DC) | 5 | $5.6M | 0.2% |
| Missouri (MO) | 8 | $4.7M | 0.3% |
| Washington (WA) | 5 | $4.3M | 0.2% |
| Maine (ME) | 3 | $4.0M | 0.1% |
| Oklahoma (OK) | 4 | $2.4M | 0.1% |
| Nevada (NV) | 6 | $2.4M | 0.2% |
| Oregon (OR) | 1 | $2.2M | 0.0% |
| Nebraska (NE) | 3 | $2.2M | 0.1% |
| Montana (MT) | 2 | $1.7M | 0.1% |
| Connecticut (CT) | 2 | $1.2M | 0.1% |
| Idaho (ID) | 2 | $1.1M | 0.1% |
| Minnesota (MN) | 1 | $997K | 0.0% |
| Wisconsin (WI) | 1 | $978K | 0.0% |
| Utah (UT) | 3 | $974K | 0.1% |
| North Dakota (ND) | 1 | $826K | 0.0% |
| Rhode Island (RI) | 1 | $750K | 0.0% |
| Kansas (KS) | 1 | $580K | 0.0% |
| South Dakota (SD) | 1 | $435K | 0.0% |
| Iowa (IA) | 1 | $427K | 0.0% |
Why Choose Ameris Bank?
Based on SBA 7(a) lending track record from 1991-2025
- ✓Proven Track Record: 3,147 SBA loans approved, totaling $2.09B in financing
- ✓Industry Expertise: Specialized focus on Limited-Service Restaurants, Child Care Services, Hotels (except Casino Hotels) and Motels
- ✓Competitive Terms: Average interest rate of 6.02% with flexible term lengths averaging 173 months
- ✓Loan Range: Loan sizes from $5K to $5.0M, with an average of $665K
- ✓Nationwide Reach: Active lending in 44 states, with strong presence in GA, FL, AL
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 limited-service restaurants, child care services, hotels (except casino hotels) and motels, offices of dentists. 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 6.02% and average term length of 173 months (approximately 14 years). Loan sizes range from $5K to $5.0M, with an average loan size of $665K.
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 3,147 SBA loans totaling $2.09B since 1991. 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, AL, TX, SC. Based on their lending history, they have experience with diverse state-specific business regulations and licensing requirements.
Research Your Target Industry Before Applying
Before applying for SBA financing, research your industry's typical loan sizes, approval rates, and specialized lenders. Understanding industry-specific financing patterns can help you find the right lender and strengthen your application.
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