How many small businesses are in Georgia?

Georgia has approximately 1.2 million small businesses, representing 99.7 percent of all businesses in the state. They employ 1.6 million workers — 43.1 percent of Georgia's private workforce. Source: SBA Office of Advocacy, 2024 Small Business Profile.

How active is SBA 7(a) lending in Georgia?

Georgia received 3,241 SBA 7(a) loan approvals in FY2024, totaling $1.7 billion. The average loan size was approximately $521,000. Source: SBA FOIA loan dataset, FY2024 aggregate.

Does Georgia have a commercial financing disclosure law?

Yes. Georgia enacted commercial financing disclosure requirements under OCGA Title 7 amendments, effective 2023. Disclosure obligations rest with the financing provider (the lender). ClearValue Lending's lender partners deliver Georgia-compliant disclosures to borrowers at offer stage.

What financing products work best for Georgia small businesses?

Construction and transportation businesses commonly use equipment financing and SBA 7(a). Professional services firms favor working capital lines of credit. Healthcare practices use SBA 7(a) for expansion and equipment financing for technology. The best fit depends on your revenue, time in business, and use of funds.

Is ClearValue Lending available in Georgia?

Yes. ClearValue Lending routes Georgia SMB applicants to lender partners operating across metro Atlanta, Savannah, Augusta, Columbus, and statewide. We are a funding platform, not a lender or broker.

What are typical eligibility minimums for Georgia SMB financing?

SBA 7(a) typically requires 2+ years in business, 650+ FICO, and $150,000+ annual revenue. Revenue-based financing may be available with 500+ FICO, 6+ months in business, and $10,000+ monthly revenue. All financing is subject to the funding lender's underwriting on the full file.

Small Business Loans in Georgia

Georgia is one of the fastest-growing SMB markets in the Southeast. In FY2024, Georgia small businesses received 3,241 SBA 7(a) loans totaling $1.7 billion, with an average loan size of approximately $521,000. The state's 1.2 million small businesses represent 99.7 percent of all Georgia businesses, employing 1.6 million workers across an economy anchored by logistics, construction, professional services, and healthcare.