Citizens Bank Smoothie King SBA Loans in Georgia — 6 Funded
Georgia loan data 2017–2025 · Updated June 2026
Citizens Bank has funded 6 SBA loans to Smoothie King franchisees in Georgia, totaling $2.7M in approved financing across 5 cities and 4 congressional districts.
The average Smoothie King loan in Georgia from Citizens Bank is $443K at a 7.79% average interest rate, with terms averaging 123 months. The Georgia default rate is 0% based on 3 resolved loans. Georgia represents 15.0% of Citizens Bank's total Smoothie King lending nationally. These loans collectively support 102 Georgia jobs. SBA-guaranteed portion totals $2.0M (75% of approved volume). 1 of these loans were originated in the last 2 fiscal years.
How Georgia Compares to Citizens Bank's National Smoothie King Lending
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Citizens Bank is one of 11+ lenders who have funded Smoothie King in Georgia. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
Citizens Bank Smoothie King Loan Performance in Georgia
Based on 6 SBA loans originated by Citizens Bank for Smoothie King franchisees with Georgia addresses, the Georgia-specific lending relationship spans 2017–2025. Of 3 resolved Georgia loans, 3 were paid in full and 0 resulted in chargeoffs.
The Georgia loan size range extends from $273K to $621K, indicating Citizens Bank funds both smaller single-unit Smoothie King operations and larger multi-unit or renovation projects in Georgia. Each loan supports an average of 17 jobs in the local economy, and the portfolio collectively supports 102 Georgia jobs. Most Georgia Smoothie King loans from Citizens Bank are classified under "Snack and Nonalcoholic Beverage Bars" (NAICS).
Recent activity: Citizens Bank has originated 1 Smoothie King Georgia loans in the last 2 fiscal years and 4 since fiscal year 2020. The most recent Smoothie King Georgia approval recorded is from FY2026.
SBA guarantee profile: The SBA-guaranteed portion of Citizens Bank's Smoothie King Georgia loans averages 75% of approved volume, totaling $2.0M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 0% Georgia default rate is a strong indicator of loan quality. This suggestsCitizens Bank has effective underwriting standards for Smoothie King deals in Georgia and/or Georgia Smoothie King franchisees have strong unit economics that support debt service. For prospective Georgia borrowers, this is an encouraging signal — Citizens Bankunderstands the Smoothie King business model in this market and has a track record of successful outcomes here.
SBA Programs Used for Smoothie King Loans in Georgia
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 6 | $443K | 7.79% | 123 mo |
Smoothie King Loan Size Distribution from Citizens Bank in Georgia
How Citizens Bank's Smoothie King Georgia loan sizes break down by deal size. Useful for sizing your own deal: where do most Georgia Smoothie King approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Georgia Loans |
|---|---|---|---|
| $150K-$350K | 2 | $276K | 33% |
| $350K-$750K | 4 | $526K | 67% |
How Citizens Bank Originates Smoothie King Loans in Georgia
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Citizens Bank uses 1 different Georgia delivery methods for Smoothie King:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 6 | $443K |
Where in Georgia Citizens Bank Funds Smoothie King Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Augusta | 2 | $566K | $1.1M | N/A |
| Atlanta | 1 | $621K | $621K | 0% — Low Risk |
| Mableton | 1 | $273K | $273K | N/A |
| Newnan | 1 | $279K | $279K | 0% — Low Risk |
| Mcdonough | 1 | $350K | $350K | 0% — Low Risk |
Citizens Bank's strongest Smoothie King lending presence in Georgia is concentrated in Augusta (2 loans), Atlanta (1 loans), Mableton (1 loans).
Citizens Bank Smoothie King Lending in Georgia Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2026 | 1 | $613K | $613K | 9.75% |
| 2023 | 1 | $520K | $520K | 10.5% |
| 2022 | 1 | $621K | $621K | 6.25% |
| 2020 | 1 | $273K | $273K | 5.75% |
| 2018 | 2 | $314K | $629K | 7.25% |
Other Lenders That Fund Smoothie King in Georgia
Citizens Bank is not the only lender funding Smoothie King in Georgia. Compare 10 other banks who have originated Smoothie King SBA loans to Georgia borrowers.
| Lender | Georgia Loans | Avg Size | Default Rate |
|---|---|---|---|
| Citizens Bank (this page) | 6 | $443K | 0% — Low Risk |
| Ameris Bank | 10 | $236K | 0% — Low Risk |
| Wells Fargo Bank National Association | 4 | $135K | 25% — High Risk |
| Community West Bank | 4 | $228K | 75% — High Risk |
| Georgia Banking Company | 4 | $318K | 0% — Low Risk |
| Readycap Lending, LLC | 4 | $218K | 66.7% — High Risk |
| Newtek Small Business Finance, Inc. | 3 | $701K | N/A |
| Popular Bank | 3 | $81K | 0% — Low Risk |
| Metro City Bank | 2 | $144K | 0% — Low Risk |
| Banc of California | 2 | $1.1M | N/A |
| Cadence Bank | 2 | $420K | 0% — Low Risk |
Other Franchises Citizens Bank Funds in Georgia
Citizens Bank is active in Georgia franchise lending beyond Smoothie King. Other Georgia franchise brands they have funded:
Citizens Bank Smoothie King Lending in Other States
Citizens Bank has also funded Smoothie King franchisees in 3 other states. View state-specific data:
How to Get an SBA Loan for a Smoothie King Franchise in Georgia
If you're considering a Smoothie King franchise in Georgia and want to finance through Citizens Bank or another SBA lender, here's what you need to know based on our analysis of 6 historical Georgia loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Smoothie King's franchise fee and total investment determine minimum capital requirements.
Compare Georgia Lenders
11 lenders have funded Smoothie King in Georgia. Lenders with more local Smoothie King experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Georgia borrowers with lenders who have a proven track record funding Smoothie King in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Georgia historical data: The average Smoothie King SBA loan from Citizens Bank in Georgia is $443K with a 7.79% interest rate and a 123-month term.Georgia loan amounts range from $273K to $621K.
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We connect you with lenders who have already funded Smoothie King in Georgia — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.