Loyal Trust Bank
Headquartered in Johns Creek, GA. Analysis based on 129 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $120.4M.
Total 7(a) loans
129
Total approved
$120.4M
Average loan
$933K
States funded in
10
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
23.68%
Average rate
7.78%
Average term
211 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722513 | Limited-Service Restaurants | 23 |
| 722511 | Full-Service Restaurants | 13 |
| 445110 | Supermarkets and Other Grocery (except Convenience) Stores | 11 |
| 812320 | Drycleaning and Laundry Services (except Coin-Operated) | 10 |
| 721110 | Hotels (except Casino Hotels) and Motels | 7 |
| 446120 | Cosmetics, Beauty Supplies, and Perfume Stores | 5 |
| 311811 | Retail Bakeries | 4 |
| 623312 | Homes for the Elderly | 3 |
| 811111 | General Automotive Repair | 3 |
| 722320 | Caterers | 3 |
Top 10 states
| State | Loans |
|---|---|
| GA | 112 |
| AL | 7 |
| FL | 3 |
| CA | 1 |
| IN | 1 |
| NC | 1 |
| OK | 1 |
| TX | 1 |
| SC | 1 |
| TN | 1 |
Top franchise brands financed
15 franchise loans across 12 distinct brands.
| Franchise | Loans |
|---|---|
| American Deli | 2 |
| Best Western - Membership Agre | 2 |
| OYO - Marketing and Operationa | 2 |
| Days Inn by Wyndham | 1 |
| Clipper Petroleum Supply Agree | 1 |
| Cary Oil (Chevron/Texaco) Comp | 1 |
| Paris Baguette | 1 |
| bb.q Chicken | 1 |
| WNB FACTORY | 1 |
| Chevron - Retail Supply Contra | 1 |
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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.