SBA lending record

AZM Retail, LLC

4220 STEVE REYNOLDS BLVD, Norcross, GA 30093 · Convenience Stores. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.

$450K

Total SBA financing

Loans on record

FY2022–24

On record

Jobs supported

● business — business location is the ZIP-area centroid from the public record

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All 3 loans

$150,000 — FY2024

Loan 1 of 3

Gross approval: $150,000
SBA guaranteed: $127,500 (85%)
Status: In workout — SBA bought the guarantee
Rate at approval: 12.25% v
Term: 111 mo (9 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 10/11/2023
First disbursement: 11/3/2023
Days to fund: 23 days
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 1
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: All Other Miscellaneous Store Retailers (except Tobacco Stor
NAICS code: 453998
Lender: Heritage Bank Inc
Address: 4220 Steve Reynolds Blvd Suite 17
City: Norcross, 30093
County: Gwinnett
SBA district office: GEORGIA DISTRICT OFFICE
Congressional district: 4

$150,000 — FY2023

Loan 2 of 3

Gross approval: $150,000
SBA guaranteed: $97,500 (65%)
Status: In workout — SBA bought the guarantee
Rate at approval: 10% v
Term: 94 mo (8 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 10/12/2022
First disbursement: 10/13/2022
Days to fund: 1 days
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 2
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Electronic Shopping
NAICS code: 454111
Lender: BayFirst National Bank
Address: 4220 Steve Reynolds Blvd
City: Norcross, 30093
County: Gwinnett
SBA district office: GEORGIA DISTRICT OFFICE
Congressional district: 4

$150,000 — FY2022

Loan 3 of 3

Gross approval: $150,000
SBA guaranteed: $127,500 (85%)
Status: In workout — SBA bought the guarantee
Rate at approval: 7.5% v
Term: 99 mo (8 yr)
Program: Preferred Lenders Program
Subprogram: Guaranty
Loan type: Term loan
Purpose: Other / working capital
Approved: 7/17/2022
First disbursement: 7/26/2022
Days to fund: 9 days
Collateral: Required
Sold on secondary market: Yes
Jobs supported: 4
Business type: Corporation
Business age: Existing or more than 2 years old
Industry: Convenience Stores
NAICS code: 445120
Lender: BayFirst National Bank
Address: 4220 STEVE REYNOLDS BLVD
City: Norcross, 30093
County: Gwinnett
SBA district office: GEORGIA DISTRICT OFFICE
Congressional district: 4

The lenders

BayFirst National Bank

2 loans to this businessFull SBA lending record + branches on the lender page →

Heritage Bank Inc

1 loan to this businessFull SBA lending record + branches on the lender page →

Find SBA lenders for businesses like this

The banks most active funding convenience stores — by location, industry.

SBA lenders in Georgia Lenders for convenience stores Convenience Stores lenders in Georgia

Similar businesses

Comparable convenience stores in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.

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SBA financing: ≈ $878K–$1.5M
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SBA financing: ≈ $1.2M–$2.0M
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$1.3M
SBA financing: ≈ $2.6M–$4.3M
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$262K
SBA financing: ≈ $515K–$858K
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Cary Oil - Dekalb Petroleum I, LLC Dealer Supply Agreement

$952K
SBA financing: ≈ $1.9M–$3.1M
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2 Stars Enterprises, Inc

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$400K
SBA financing: ≈ $784K–$1.3M
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Agent summary

This page summarizes the public SBA 7(a) lending record for AZM Retail, LLC in Norcross, GA (Convenience Stores). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.

3 SBA 7(a) loans totaling $450K
On record FY2022–24
7 jobs supported
Industry: Convenience Stores
Location: Norcross, GA
Lenders: BayFirst National Bank, Heritage Bank Inc

Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Convenience Stores businesses in GA for ~$150k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.

Next steps

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Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/businesses/azm-retail-llc-ga
API:: https://www.capbench.com/api/public/businesses/azm-retail-llc-ga
Methodology:: Sources & methodology

Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
Figures come from public records and CapBench methodology; verify before relying on them.
Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.

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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with AZM Retail, LLC.