Ameris Bank: SBA Lending Record

Loans held and dollars at Ameris Bank

SBA files 814 loans approved in FY2017 to FY2026 under Ameris Bank as holder. Ameris Bank loans: $802.2 million in gross approved dollars, 814 loans in all. These 814 loans are ones SBA shows Ameris Bank holding or having held. SBA, never Ameris Bank, is the guarantor. SBA tags 814 as 7(a), none 504, under Ameris Bank. Ameris Bank appears as holder, current or last.

814 loans sit at Ameris Bank, 368 with no tracked class; the others fill Ameris Bank class rows. Ameris Bank class rows start with limited-service restaurant, 75 loans. After that, fitness center at 54, gas station and truck stop (52) and 50 loans in dental office. Further down Ameris Bank: 32 in full-service restaurant, coffee shop and snack bar with 24 loans and RV park and campground at 20. Ameris Bank: more rows in the table.

Ameris Bank opens geographically with Georgia (252), 160 in Florida, Texas (68), 45 in California, North Carolina (44), 25 in Massachusetts, South Carolina (25), 17 in Virginia and Arizona (14). Georgia holds the largest share, 252 loans. Later states carry fewer Ameris Bank loans each; depth varies by place.

Ameris Bank: floors on cancelled and charged-off loans

14.9% is the cancellation floor at Ameris Bank, across FY2017 to FY2024 approvals. 14.9% is the ceiling as well, so Ameris Bank undisbursed loans change nothing. Ameris Bank: 3.6% is charged off, a floor, across 561 loans disbursed FY2017 to FY2021. Ameris Bank: 2.5% charged off within five years. Ameris Bank outcomes show; reasons do not. Ameris Bank cohort rates cover FY2017 to FY2021 disbursements. Ameris Bank: 14.9% is a floor, 814 loans notwithstanding, not a forecast. Ameris Bank rates stay floors; 814 loans could still lift 14.9%.

Ameris Bank: what a borrower can take

For Ameris Bank, a bank or lender, 814 loans sit in SBA records. Ameris Bank credit standards stay undescribed. For Ameris Bank, weigh fitness center, 814 loans deep, and the project against Florida. Sources beside Ameris Bank should be listed in the study, 814 loans or not.

814 loans replace nothing in the study; $802.2 million gross at Ameris Bank informs it only. 814 loans at Ameris Bank set no fitness center demand; Florida conditions decide it, not Ameris Bank. Each budget line, 814 loans aside, meets raised funds. 814 loans give Ameris Bank breadth, not depth. 814 loans or one, a margin must absorb 14.9% at least, Ameris Bank aside. Ameris Bank: on stabilized income, debt service coverage keeps 14.9% in view. At Ameris Bank, loan size follows appraised value. Ameris Bank: a study delivers a file, never approval.