Renasant Bank: SBA Lending Record
What SBA's own loan files show about Renasant Bank as an SBA lender, and how a lender's record bears on a feasibility study.
Renasant Bank: 688 loans in the SBA file
SBA shows Renasant Bank as the holder, present or last, of 688 loans whose approval fell in FY2017 to FY2026, with gross dollars of $677.2 million. Under 7(a) sit 688 loans and under 504 sit 0. These are holdings as recorded, not an account of how the bank lends or what it asks of a borrower.
Classed loans and fuel and lodging counts
408 loans fall outside the asset classes. Full-service restaurant leads the classed loans at 66, with limited-service restaurant at 49. Gas station and truck stop stands at 22, while hotel and motel and automotive mechanical repair (car and truck) share 17. Fitness center closes the leading group with 13. A lodging or fuel project is exposed to location and nearby competition, so the study tests those first, then construction cost, then the income left after operating costs to pay the loan. A restaurant study, by contrast, leans on sales per seat and the rent those sales can bear, and an auto repair study on bay count, equipment and local vehicle traffic.
A Georgia-led state list
Georgia has 365 loans, Florida 101, Mississippi 80 and Alabama 51. Tennessee has 46, Louisiana 14 and South Carolina 10. The list is short, and a borrower in a state that does not appear will find nothing here to compare with.
Floors and the withheld ceiling
Among FY2017 to FY2024 approvals, 10.6% were cancelled, a floor. Under its own rule Loan Analytics withholds the ceiling figure, which is why none is printed. Among 348 loans disbursed in FY2017 to FY2021, 4.6% are charged off so far, a floor, and the five-year share stands at 2.9%. Loans are still seasoning, and these rates blend all trades together, so none speaks for one property type.
Fitting the record to a study
The holder's counts are only context. A feasibility study tests whether customers exist, whether the budget is sound, whether income covers debt in a soft year and whether the appraisal holds. A borrower who arrives with that evidence is better prepared than one who arrives with counts.
SBA loans held by Renasant Bank
SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).
7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.
| Loans approved, FY2017 to FY2026 | 688 |
|---|---|
| Gross dollars approved | $677.2 million |
| SBA 7(a) loans | 688 |
| SBA 504 loans | 0 |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.6% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 4.6% |
| Charged off within five years of approval | 2.9% |
| Loans in that cohort | 348 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
Loans by asset class
| Asset class | Loans |
|---|---|
| Not in any of the 39 asset classes | 408 |
| Full-service restaurant | 66 |
| Limited-service restaurant | 49 |
| Gas station and truck stop | 22 |
| Hotel and motel | 17 |
| Automotive mechanical repair (car and truck) | 17 |
| Fitness center | 13 |
| Child care center | 13 |
| Liquor store | 13 |
| Beverage manufacturing (breweries, wineries, distilleries) | 8 |
| Medical office (physicians) | 7 |
| Beauty salon | 7 |
| Coffee shop and snack bar | 7 |
| Rehabilitation and therapy clinic | 6 |
| Grocery store | 6 |
| RV park and campground | 5 |
Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
Loans by project state
| State or area | Loans |
|---|---|
| Georgia | 365 |
| Florida | 101 |
| Mississippi | 80 |
| Alabama | 51 |
| Tennessee | 46 |
| Louisiana | 14 |
| South Carolina | 10 |
States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-fdic-12437.
Related feasibility study pages
Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Renasant Bank or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us