Metro City Bank
SBA 7(a) and 504 lender, loans up to $5M, median $1.28M. Median rate 8.25% (last 12 months), terms up to 25 years. Best for real estate buyers: gas stations, restaurants.
Rates & Cost
What the financing costs, normalized so lenders can be compared.
Repayment Terms
How and how fast you pay it back, and how flexible it is.
Eligibility & Access
Who qualifies and what you have to put on the line.
Speed & Service
How fast you get funded and how the lender treats you.
Company Verification
Who actually stands behind the lender: legal entity, registration, and how long the business and its website have existed. Checked against public registries.
Best for: Established gas station, convenience store and restaurant owners financing property with a large, long-term SBA 7(a) loan.
Not for: Borrowers seeking under $100,000, SBA Express seekers, or anyone who needs cash within days.
Lender List verdict: A real-estate-heavy SBA 7(a) lender: median loan $1,280,000, median rate 8.25% in the 12 months to June 30, 2026. Requirements and fees are unpublished.
Metro City Bank at a glance
| Metro City Bank | |
|---|---|
| Lender type | FDIC-insured bank; parent MetroCity Bankshares (Nasdaq: MCBS) |
| Founded / HQ | 2006 / Doraville, GA |
| SBA programs | 7(a), 504; also USDA loans |
| Amounts | $100,000 to $5M (7(a) data) |
| Cost (headline) | 8.25% median 7(a) rate |
| Status | Active |
What is Metro City Bank?
Metro City Bank is a Doraville, Georgia bank founded in 2006 whose parent, MetroCity Bankshares, reported about $4.6 billion in assets on September 30, 2026. It acquired First IC Corporation in December 2025.
Metro City Bank's SBA programs
Metro City Bank makes SBA 7(a) and 504 loans up to $5M, mostly real estate secured.
- Terms: up to 25 years for land and buildings, up to 10 years otherwise
- Uses: owner-occupied property, business acquisition or setup, equipment, working capital, refinancing
- Preferred Lender status: not published
- Volume: 101 7(a) loans in FY2025 and 66 in FY2026 through June 30; median term 300 months
It is one of Georgia's three most active SBA 7(a) lenders by 12-month approvals.
Metro City Bank SBA rates and fees
Metro City Bank's SBA 7(a) loans carried a median rate of 8.25% in the 12 months to June 30, 2026, about 1.5 points over the 6.75% Prime in effect for most of that period (our estimate; the spread is unpublished). At today's 7.00% Prime, SBA caps are 10.0% above $350K and 11.5% from $250,001 to $350K. 98.7% of its loans float with Prime; bank fees are not published.
Worked example: $350,000 over 10 years at 8.25% costs $4,292.84 a month, or $165,141.03 in interest. With the SBA's 3% guaranty fee on the 75% guaranteed share ($7,875), total cost is $173,016.03, roughly 8.78% APR (fee paid from proceeds).
Metro City Bank requirements
Metro City Bank publishes no credit or time-in-business minimum; SBA rules set the floor.
| Requirement | Metro City Bank minimum |
|---|---|
| Business size | Within SBA size standards |
| Personal credit score | Lender does not publish |
| Loan size | $100,000 smallest 7(a) since FY2020 |
| Equity injection | 10% for startups and buyouts (SBA rule) |
| Guarantee | All owners of 20%+ (SBA rule) |
| Time to close | Lender does not publish; standard 7(a) commonly 60 to 90 days |
Compare Bank of Hope, iBusiness Funding or all SBA 7(a) lenders.
Frequently asked questions about Metro City Bank
Is Metro City Bank Legit? Yes. Metro City Bank is an FDIC-insured bank (cert 58181) chartered in 2006 and owned by Nasdaq-listed MetroCity Bankshares, which reports about $4.6 billion in assets. It approved 1,006 SBA 7(a) loans from FY2020 through June 30, 2026, and only one has been charged off, about 0.1%.
Where Is Metro City Bank Headquartered? Metro City Bank is headquartered at 5114 Buford Hwy NE, Doraville, Georgia 30340, in the Atlanta metro area. Its network covers eight states (Georgia, Texas, New York, New Jersey, California, Florida, Alabama and Virginia), with 27 branches and two loan offices.
How Long Does Metro City Bank Take to Close an SBA Loan? Expect roughly 60 to 90 days, the typical range for standard SBA 7(a) loans; Metro City Bank does not publish its own timeline. Its median loan of $1,280,000 with a 25-year term points to real estate deals at the longer end.
Does Metro City Bank Lend to Startups? Possibly. Its SBA page lists business setup and acquisition among eligible uses and mentions flexible guidelines, but it gives no minimum time in business. Startups must still bring the SBA's 10% equity injection, and the bank's $100,000 smallest loan suits capital-heavy projects.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
Best for: Established gas station, convenience store and restaurant owners financing property with a large, long-term SBA 7(a) loan.
Not for: Borrowers seeking under $100,000, SBA Express seekers, or anyone who needs cash within days.
Lender List verdict: A real-estate-heavy SBA 7(a) lender: median loan $1,280,000, median rate 8.25% in the 12 months to June 30, 2026. Requirements and fees are unpublished.
Metro City Bank at a glance
| Metro City Bank | |
|---|---|
| Lender type | FDIC-insured bank; parent MetroCity Bankshares (Nasdaq: MCBS) |
| Founded / HQ | 2006 / Doraville, GA |
| SBA programs | 7(a), 504; also USDA loans |
| Amounts | $100,000 to $5M (7(a) data) |
| Cost (headline) | 8.25% median 7(a) rate |
| Status | Active |
What is Metro City Bank?
Metro City Bank is a Doraville, Georgia bank founded in 2006 whose parent, MetroCity Bankshares, reported about $4.6 billion in assets on September 30, 2026. It acquired First IC Corporation in December 2025.
Metro City Bank's SBA programs
Metro City Bank makes SBA 7(a) and 504 loans up to $5M, mostly real estate secured.
- Terms: up to 25 years for land and buildings, up to 10 years otherwise
- Uses: owner-occupied property, business acquisition or setup, equipment, working capital, refinancing
- Preferred Lender status: not published
- Volume: 101 7(a) loans in FY2025 and 66 in FY2026 through June 30; median term 300 months
It is one of Georgia's three most active SBA 7(a) lenders by 12-month approvals.
Metro City Bank SBA rates and fees
Metro City Bank's SBA 7(a) loans carried a median rate of 8.25% in the 12 months to June 30, 2026, about 1.5 points over the 6.75% Prime in effect for most of that period (our estimate; the spread is unpublished). At today's 7.00% Prime, SBA caps are 10.0% above $350K and 11.5% from $250,001 to $350K. 98.7% of its loans float with Prime; bank fees are not published.
Worked example: $350,000 over 10 years at 8.25% costs $4,292.84 a month, or $165,141.03 in interest. With the SBA's 3% guaranty fee on the 75% guaranteed share ($7,875), total cost is $173,016.03, roughly 8.78% APR (fee paid from proceeds).
Metro City Bank requirements
Metro City Bank publishes no credit or time-in-business minimum; SBA rules set the floor.
| Requirement | Metro City Bank minimum |
|---|---|
| Business size | Within SBA size standards |
| Personal credit score | Lender does not publish |
| Loan size | $100,000 smallest 7(a) since FY2020 |
| Equity injection | 10% for startups and buyouts (SBA rule) |
| Guarantee | All owners of 20%+ (SBA rule) |
| Time to close | Lender does not publish; standard 7(a) commonly 60 to 90 days |
Compare Bank of Hope, iBusiness Funding or all SBA 7(a) lenders.
Frequently asked questions about Metro City Bank
Is Metro City Bank Legit? Yes. Metro City Bank is an FDIC-insured bank (cert 58181) chartered in 2006 and owned by Nasdaq-listed MetroCity Bankshares, which reports about $4.6 billion in assets. It approved 1,006 SBA 7(a) loans from FY2020 through June 30, 2026, and only one has been charged off, about 0.1%.
Where Is Metro City Bank Headquartered? Metro City Bank is headquartered at 5114 Buford Hwy NE, Doraville, Georgia 30340, in the Atlanta metro area. Its network covers eight states (Georgia, Texas, New York, New Jersey, California, Florida, Alabama and Virginia), with 27 branches and two loan offices.
How Long Does Metro City Bank Take to Close an SBA Loan? Expect roughly 60 to 90 days, the typical range for standard SBA 7(a) loans; Metro City Bank does not publish its own timeline. Its median loan of $1,280,000 with a 25-year term points to real estate deals at the longer end.
Does Metro City Bank Lend to Startups? Possibly. Its SBA page lists business setup and acquisition among eligible uses and mentions flexible guidelines, but it gives no minimum time in business. Startups must still bring the SBA's 10% equity injection, and the bank's $100,000 smallest loan suits capital-heavy projects.
Last verified 2026-10-27. Pricing and terms are provider-stated or third-party-reported and vary by offer; confirm with the lender before applying.
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