Best SBA Lenders in Cumming, GA (2026)
2025 FOIA data: top lenders, rates & industries for Cumming SBA loans
SBA Loans in Cumming, Georgia
Looking for an SBA loan in Cumming, Georgia? Based on 2025 FOIA data, 57 SBA 7(a) loans were funded in Cumming totaling $55.2M, supporting an estimated 661 jobs. With 31 active lenders competing for business in the Cumming market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Cumming is $968K at an average rate of 9.9%. The top lender in Cumming is Wallis Bank, with the most-funded industry being Full-Service Restaurants. See all Georgia SBA lenders for statewide rankings.
SBA Loans in Cumming by Business Type
Whether you’re starting a new business in Cumming, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 35% of SBA loans in Cumming (18 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 7% (5 loans) — if you’re looking to buy a business in Cumming, this is a proven use case for SBA financing. Existing businesses make up 29% and typically receive the most favorable terms.
Top SBA Lenders in Cumming, GA (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Cumming businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Wallis Bank | $8.3M | 3 | 9.33% |
| 2 | Live Oak Banking Company | $7.0M | 5 | 9.15% |
| 3 | Celtic Bank Corporation | $5.7M | 4 | 10.19% |
| 4 | The Huntington National Bank | $5.3M | 3 | 9% |
| 5 | Paragon Bank | $4.0M | 1 | 9.5% |
| 6 | PromiseOne Bank | $2.8M | 1 | 9% |
| 7 | Readycap Lending, LLC | $2.4M | 3 | 10.25% |
| 8 | Loyal Trust Bank | $1.8M | 1 | 9.25% |
| 9 | Renasant Bank | $1.7M | 1 | 10% |
| 10 | Dogwood State Bank | $1.6M | 1 | 10.25% |
The top lenders in Cumming have direct experience with local businesses and understand the Cumming market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Cumming and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Cumming
One 5-minute application. 31+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Cumming
These are the industries that received the most SBA 7(a) funding in Cumming in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Full-Service Restaurants | 3 | $6.4M |
| Child Day Care Services | 1 | $5.0M |
| Offices of Dentists | 1 | $4.9M |
| All Other Amusement and Recreation Industries | 1 | $3.5M |
| Landscaping Services | 2 | $2.0M |
| Distilleries | 1 | $1.9M |
| Offices of Physical, Occupational and Speech Therapists, and Audiologi | 2 | $1.8M |
| General Freight Trucking, Long Distance, Truckload | 1 | $1.6M |
| Breweries | 1 | $1.6M |
| Miscellaneous Financial Investment Activities | 1 | $1.5M |
Lenders with experience funding your specific industry in Cumming understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Cumming
Option 1: Apply directly to one of the top Cumming lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Cumming-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
