SBA lender · 7(a) program
Southern AgCredit, FLCA
Southern AgCredit, FLCA has approved 37 SBA loans worth $53.3M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#716
0.01% of all SBA dollars
Total approved
$53.3M
FY2010 onward
Loans
37
Median loan
$1,287,000
+615% vs national
Median rate
6.00%
-0.75 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Southern AgCredit, FLCA’s numbers say
Southern AgCredit, FLCA sits in the long tail of the SBA lending field, having approved 37 loans for a gross total of $53.3M since fiscal 2010. Its median loan of $1,287,000 is substantially larger than the $180,000 national median, which usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.00%, 0.75 points below the national median of 6.75%. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 10% of its approvals went to businesses the SBA classified as new rather than existing, against 11% nationally.
Where Southern AgCredit, FLCA lends
| State | Loans | Share |
|---|---|---|
| Mississippi | 36 | |
| Alabama | 1 |
What it lends against
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Questions about Southern AgCredit, FLCA
- How many SBA loans has Southern AgCredit, FLCA approved?
- Southern AgCredit, FLCA has approved 37 SBA loans totalling $53,295,700 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Southern AgCredit, FLCA SBA loan size?
- The median gross approval is $1,287,000, with the middle 80% of loans falling between $605,700 and $2,580,200. The national median across all SBA lenders is $180,000.
- What interest rate does Southern AgCredit, FLCA charge on SBA 7(a) loans?
- The median initial note rate on Southern AgCredit, FLCA's 7(a) approvals is 6.00%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
Where to go from here
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