Georgia's Own Credit Union
Headquartered in Atlanta, GA. Analysis based on 201 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $206.4M.
Total 7(a) loans
201
Total approved
$206.4M
Average loan
$1.0M
States funded in
3
Charge-off rate
0.61%
FY2020–FY2023 cohort
Paid-in-full rate
22.09%
Average rate
7.22%
Average term
208 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 447110 | Gasoline Stations with Convenience Stores | 25 |
| 722513 | Limited-Service Restaurants | 17 |
| 722511 | Full-Service Restaurants | 12 |
| 811192 | Car Washes | 7 |
| 812310 | Coin-Operated Laundries and Drycleaners | 6 |
| 541211 | Offices of Certified Public Accountants | 5 |
| 621493 | Freestanding Ambulatory Surgical and Emergency Centers | 5 |
| 713940 | Fitness and Recreational Sports Centers | 5 |
| 541320 | Landscape Architectural Services | 4 |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 4 |
Top 10 states
| State | Loans |
|---|---|
| GA | 199 |
| AL | 1 |
| SC | 1 |
Top franchise brands financed
57 franchise loans across 39 distinct brands.
| Franchise | Loans |
|---|---|
| Next Level Petroleum (Mulstipl | 6 |
| Clipper Petroleum Supply Agree | 4 |
| Premier Petroleum, Inc - Petro | 3 |
| Wallace Oil Company. Inc (Mult | 2 |
| Charleys Philly Steaks | 2 |
| Papa John's | 2 |
| Target Petroleum, LLC (Chevro | 2 |
| Hallmark Petroleum LLC - Contr | 2 |
| Hammer & Nails | 2 |
| Smash My Trash | 2 |
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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.