GEORGIA · NAICS NAICS 484, 4885, 4931 families
Georgia trucking and logistics sits at the intersection of the Port of Savannah's record growth, the Hyundai Metaplant supplier network, and the I-75 and I-85 freight spines, one of the fastest-growing freight economies in the country. Studies translate rate per mile, utilization, fuel, insurance, and contract concentration into defensible projections, and stress-test cash flow against rate cycles and equipment debt service.
FEASIBILITY TRIGGER
Projection-sensitive underwriting with rate per mile, fuel, and contract concentration stress-tested.
Between FY2010 and FY2026, SBA lenders approved and disbursed 629 7(a) and 504 loans for trucking and logistics projects in Georgia, totaling $242.8 million in approved financing at an average of $386,000 per loan. Georgia ranks #14 of 38 states tracked for trucking and logistics SBA lending volume and accounts for 2.7% of national trucking and logistics SBA dollar volume. 93.2% of these loans were made under the 7(a) program, the remainder under 504. 119 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 629 |
| Approved volume | $242.8 million |
| Average loan size | $386,000 |
| 7(a) share | 93.2% |
| Approvals since FY2024 | 119 |
| State rank by loan count | #14 of 38 |
Among the 387 seasoned loans in this segment (approvals FY2010–FY2021), 13.7% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for trucking and logistics is 9.2%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 13.7% adverse-resolution rate against the national trucking and logistics benchmark of 9.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Georgia deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $386,000 across 629 loans.
Every Georgia trucking and logistics 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.
The Port of Savannah's record growth, the Hyundai Metaplant supplier network, and the I-75 and I-85 spines anchor one of the fastest-growing freight economies in the country, with industrial vacancy at record lows.
For a national view of this asset class, see our trucking and logistics SBA feasibility overview, and read our related analysis in the trucking and logistics lending research on our blog.
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