GEORGIA · NAICS 713930
Georgia marina and boat storage projects run on Lake Lanier, Lake Allatoona, and the coastal intracoastal corridor, one of the Southeast's largest boating economies within reach of metro Atlanta. Studies translate slip mix, dry storage, fuel and service revenue, and seasonal demand into defensible projections, and resolve environmental and shoreline regulatory exposure.
FEASIBILITY TRIGGER
Marinas are special-purpose under SOP 50 10 8, so a third-party feasibility study is normally required with an industry-experienced going-concern appraiser, and elevated equity applies.
Between FY2010 and FY2026, SBA lenders approved and disbursed 5 7(a) and 504 loans for marina and boat storage projects in Georgia, totaling $10.1 million in approved financing at an average of $2.0 million per loan. Georgia ranks #23 of 38 states tracked for marina and boat storage SBA lending volume and accounts for 2.5% of national marina and boat storage SBA dollar volume. 40.0% of these loans were made under the 7(a) program, the remainder under 504. 0 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 5 |
| Approved volume | $10.1 million |
| Average loan size | $2.0 million |
| 7(a) share | 40.0% |
| Approvals since FY2024 | 0 |
| State rank by loan count | #23 of 38 |
The state-level seasoned cohort in this segment is below our publication threshold of 30 loans, so no state rate is shown. Nationally, seasoned marina and boat storage loans (approvals FY2010–FY2021) show an adverse-resolution rate of 3.0%, against 7.3% across all industries.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 3.0%, close to the national marina and boat storage benchmark of 3.0%, puts Georgia deals in this class on ordinary SBA credit footing. Across 5 loans averaging $2.0 million, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Georgia marinas and boat storage project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Georgia projects most often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Lake Lanier, Allatoona, and the coastal intracoastal corridor anchor one of the Southeast's largest boating economies within reach of metro Atlanta.
For a national view of this asset class, see our marina and boat storage SBA feasibility overview, and read our related analysis in the marina and boat storage lending research on our blog.
Public SBA and CDC program records, cited as program evidence
SBA 504 refinance with cash-out through TMC Financing and First Bank
Marina property refinance, national program evidence
Alameda, Alameda County, California
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