SBA 7(a) Loans in Augusta, GA
Find lenders offering sba 7(a) loans in the Augusta, including Evans, Martinez, North Augusta, and surrounding areas. Compare rates, terms, and programs from 113 lenders.
SBA 7(a) Lenders Serving Augusta
113 lenders offering sba 7(a) loans in the Augusta, GA area.
Community Bank & Trust-West Georgia
Local SBALAGRANGE, GA
Community bank in West Georgia and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions and commercial real estate with a focus on hospitality and franchise businesses.
Metro City Bank
Local SBADORAVILLE, GA
Community bank headquartered in the Atlanta metro area, serving diverse business communities nationwide. A top SBA 7(a) lender specializing in commercial real estate, hospitality, and gas station financing.
Colony Bank
Local SBAFITZGERALD, GA
Georgia-based community bank offering SBA 7(a) loans, commercial real estate, and small business banking. Serves businesses throughout Georgia with relationship-focused lending.
PromiseOne Bank
Local SBADULUTH, GA
Ameris Bank
Local SBAATLANTA, GA
Embassy National Bank
Local SBALAWRENCEVILLE, GA
Primesouth Bank
Local SBABLACKSHEAR, GA
First Port City Bank
Local SBABAINBRIDGE, GA
Georgia Banking Company
Local SBAAtlanta, GA
First National Bank of Coffee County
Local SBADOUGLAS, GA
American Pride Bank
Local SBAMACON, GA
Loyal Trust Bank
Local SBAJohns Creek, GA
Craft Bank
Local SBAATLANTA, GA
Peach State Federal Credit Union
Local SBALawrenceville, GA
Legacy State Bank
Local SBALOGANVILLE, GA
Augusta Commercial Real Estate Market
Augusta's commercial real estate market is driven by three pillars: Fort Eisenhower (formerly Fort Gordon), which is the U.S. Army's Cyber Center of Excellence and employs over 30,000 military and civilian personnel; the Augusta University Health System, the region's largest employer; and the annual Masters Tournament at Augusta National Golf Club, which generates substantial hospitality and retail CRE demand. The Gordon Highway and Riverwatch Parkway corridors are the primary commercial arteries, while the Cyber District in downtown Augusta is attracting technology and defense contractor tenants seeking proximity to the fort. Suburban growth in Evans and Martinez in Columbia County has driven retail, medical office, and multifamily development. The market offers significantly lower entry costs than Atlanta, with cap rates typically 100-200 basis points higher.
Key Economic Drivers
- ●Fort Eisenhower (Army Cyber Center of Excellence) and associated defense contractor demand
- ●Augusta University Health System and medical campus expansion
- ●Masters Tournament-driven hospitality and short-term rental investment
- ●Columbia County suburban growth in Evans and Martinez
Market Insight
Fort Eisenhower's designation as the Army Cyber Command headquarters has attracted defense contractors including GDIT, Parsons, and Perspecta to the Augusta Cyber District, creating a specialized office submarket downtown that did not exist a decade ago.
SBA 7(a) Loans in Augusta, Georgia
SBA 7(a) loans are the most common SBA loan program, offering up to $5 million for working capital, equipment, real estate, business acquisition, and refinancing. Backed by the U.S. Small Business Administration, they offer competitive rates and longer terms than conventional business loans. In the Augusta metro area, borrowers can access 113 lenders offering SBA 7(a) financing, including Evans, Martinez, North Augusta, and surrounding areas. Loan amounts typically range from $25K to $5M with rates from Prime + 1.5% to 3.75%.
Who Should Consider SBA 7(a) Loans?
- Small business owners
- Business acquisitions
- Working capital needs
- Commercial real estate purchase
Key Requirements
- For-profit business operating in the US
- Owner has invested equity
- Exhausted other financing options
- No delinquent government debt
- Credit score: 680+
Advantages
- ✓Low down payment (as low as 10%)
- ✓Competitive interest rates
- ✓Long repayment terms
- ✓Can be used for many purposes
Considerations
- •Lengthy application process
- •Extensive documentation required
- •Personal guarantee required
- •Collateral often needed
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