Ameris Bank
Headquartered in ATLANTA, GA. Analysis based on 324 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $346.1M.
Total 7(a) loans
324
Total approved
$346.1M
Average loan
$1.1M
States funded in
36
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
43.58%
Average rate
6.56%
Average term
196 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 33 |
| 722513 | Limited-Service Restaurants | 32 |
| 721211 | RV (Recreational Vehicle) Parks and Campgrounds | 18 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 13 |
| 447110 | Gasoline Stations with Convenience Stores | 11 |
| 722511 | Full-Service Restaurants | 9 |
| 561730 | Landscaping Services | 6 |
| 812199 | Other Personal Care Services | 6 |
| 621399 | Offices of All Other Miscellaneous Health Practitioners | 6 |
| 624410 | Child Day Care Services | 6 |
Top 10 states
| State | Loans |
|---|---|
| GA | 83 |
| FL | 60 |
| CA | 28 |
| TX | 25 |
| MA | 17 |
| VA | 12 |
| NC | 12 |
| SC | 8 |
| AZ | 8 |
| MI | 6 |
Top franchise brands financed
145 franchise loans across 88 distinct brands.
| Franchise | Loans |
|---|---|
| Smash My Trash | 8 |
| D1T raining | 6 |
| CycleBar | 5 |
| Yoga Six | 5 |
| Monster Tree Service | 4 |
| Scooter's Coffee | 4 |
| School of Rock | 3 |
| The NOW Massage | 3 |
| YogaSix | 3 |
| Nothing Bundt Cakes | 3 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.