Georgia's Own Credit Union
SBA 7(a) Lending Profile · FY 2025 analysis
Industry Focus
Top industries served by Georgia's Own Credit Union
| NAICS | Industry | Loans | Volume | Avg Loan | Share |
|---|---|---|---|---|---|
| 447110 | Gasoline Stations with Convenience Stores | 200 | $292.8M | $1.5M | 12.4% |
| 722513 | Limited-Service Restaurants | 136 | $61.5M | $452K | 8.5% |
| 457110 | Other | 136 | $371.4M | $2.7M | 8.5% |
| 722511 | Full-Service Restaurants | 96 | $74.9M | $781K | 6.0% |
| 811192 | Car Washes | 56 | $91.5M | $1.6M | 3.5% |
| 812310 | Coin-Operated Laundries and Drycleaners | 48 | $23.7M | $495K | 3.0% |
| 713940 | Fitness and Recreational Sports Centers | 40 | $28.7M | $718K | 2.5% |
| 621493 | Freestanding Ambulatory Surgical and Emergency Centers | 40 | $17.9M | $447K | 2.5% |
| 541211 | Offices of Certified Public Accountants | 40 | $23.5M | $588K | 2.5% |
| 541320 | Landscape Architectural Services | 32 | $10.3M | $322K | 2.0% |
Geographic Distribution
SBA lending activity for Georgia's Own Credit Union by state
| State | Loans | Volume | Share |
|---|---|---|---|
| Georgia (GA) | 1,592 | $1.64B | 99.0% |
| Alabama (AL) | 8 | $7.2M | 0.5% |
| South Carolina (SC) | 8 | $1.2M | 0.5% |
Why Choose Georgia's Own Credit Union?
Based on SBA 7(a) lending track record from 2020-2025
- ✓Proven Track Record: 1,608 SBA loans approved, totaling $1.65B in financing
- ✓Industry Expertise: Specialized focus on Gasoline Stations with Convenience Stores, Limited-Service Restaurants, Other
- ✓Competitive Terms: Average interest rate of 7.22% with flexible term lengths averaging 208 months
- ✓Loan Range: Loan sizes from $45K to $5.0M, with an average of $1.0M
- ✓Nationwide Reach: Active lending in 3 states, with strong presence in GA, AL, SC
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 Georgia's Own Credit Union SBA lending
What types of businesses does Georgia's Own Credit Union typically finance?
Georgia's Own Credit Union specializes in SBA 7(a) lending to specific industries including gasoline stations with convenience stores, limited-service restaurants, other, full-service restaurants. They have developed expertise in these sectors and understand the unique financial characteristics of each industry.
What are Georgia's Own Credit Union's typical SBA loan terms?
Georgia's Own Credit Union's SBA 7(a) loans typically feature an average interest rate of 7.22% and average term length of 208 months (approximately 17 years). Loan sizes range from $45K to $5.0M, with an average loan size of $1.0M.
Do I need a business valuation for a Georgia's Own Credit Union SBA loan?
Yes, Georgia's Own Credit Union 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 Georgia's Own Credit Union compare to other SBA lenders?
Georgia's Own Credit Union has originated 1,608 SBA loans totaling $1.65B 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 Georgia's Own Credit Union lend in?
Georgia's Own Credit Union provides SBA 7(a) financing with particularly strong presence in GA, AL, 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.
Our industry research reports provide comprehensive intelligence for 1,000+ industries including financial benchmarks, growth trends, financing patterns, and which lenders are most active in your sector.
Explore Industry Reports →Need a Business Valuation?
Professional valuations are often required for SBA loans over $250,000.
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