SBA lending by metro area
SBA lenders in Cape Coral, FL
Which lenders fund Cape Coral-area businesses, how much, and how the market compares with Florida: SBA 7(a) and 504 loans, FY2010–2026.
By Mario Bailey · SBA FOIA data as of 2026-03-31
Top SBA lenders in the Cape Coral area
Ranked by SBA volume funded to businesses located in the Cape Coral metropolitan area, wherever the lender is headquartered. National SBA lenders that fund here are included.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | Florida First Capital Finance Corporation, Inc. | 138 | $131.4M | $952K | not reported |
| 2 | The Huntington National Bank | 225 | $86.4M | $384K | 7.11% |
| 3 | Live Oak Banking Company | 59 | $86.2M | $1.5M | 0.00% |
| 4 | Florida Business Development Corporation | 60 | $49.8M | $830K | not reported |
| 5 | Regions Bank | 51 | $38.3M | $751K | 1.96% |
| 6 | Wells Fargo Bank National Association | 170 | $36.9M | $217K | 7.06% |
| 7 | Independent Development Services Corporation | 43 | $34.8M | $810K | not reported |
| 8 | Busey Bank | 35 | $31.5M | $901K | 8.57% |
| 9 | Truist Bank | 53 | $31.1M | $587K | 1.89% |
| 10 | Fifth Third Bank | 51 | $30.2M | $591K | 3.92% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Cape Coral compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Cape Coral area | $299K ▲ 19.6% | 12.3% ▼ 2.9 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Cape Coral
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 233 | $212.0M |
| Construction | 338 | $188.3M |
| Health Care and Social Assistance | 232 | $144.8M |
| Retail Trade | 212 | $131.1M |
| Other Services | 224 | $129.4M |
| Professional and Technical Services | 198 | $78.9M |
| Manufacturing | 107 | $71.8M |
| Arts, Entertainment, Recreation | 78 | $71.3M |
SBA lending in Cape Coral by year
Geography, precisely
"Cape Coral area" here means the Cape Coral-Fort Myers, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Lee County, FL. Loans are placed by the SBA's recorded project county, which can differ from a borrower's mailing address. Counts are SBA 7(a) and 504 funded loans, FY2010–2026, as of 2026-03-31. See the methodology.