SBA lending by metro area
SBA lenders in Gainesville, FL
Which lenders fund Gainesville-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 Gainesville area
Ranked by SBA volume funded to businesses located in the Gainesville 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. | 84 | $54.6M | $650K | not reported |
| 2 | Live Oak Banking Company | 18 | $27.4M | $1.5M | not reported |
| 3 | Renasant Bank | 24 | $19.9M | $828K | 4.17% |
| 4 | SouthState Bank, National Association | 18 | $17.1M | $949K | not reported |
| 5 | First Federal Bank | 15 | $16.1M | $1.1M | not reported |
| 6 | Florida Business Development Corporation | 39 | $14.9M | $381K | not reported |
| 7 | TD Bank, National Association | 51 | $11.0M | $216K | 9.80% |
| 8 | PNC Bank, National Association | 57 | $10.4M | $183K | 7.02% |
| 9 | Wells Fargo Bank National Association | 42 | $8.9M | $212K | 2.38% |
| 10 | Truist Bank | 23 | $8.2M | $356K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Gainesville compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Gainesville area | $269K ▲ 7.6% | 21.0% ▲ 5.8 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Gainesville
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 114 | $99.8M |
| Retail Trade | 91 | $43.5M |
| Health Care and Social Assistance | 72 | $30.1M |
| Professional and Technical Services | 65 | $29.4M |
| Other Services | 51 | $28.9M |
| Manufacturing | 37 | $27.2M |
| Construction | 52 | $17.0M |
| Agriculture, Forestry, Fishing | 18 | $15.6M |
SBA lending in Gainesville by year
Geography, precisely
"Gainesville area" here means the Gainesville, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Alachua County, FL; Gilchrist County, FL; Levy 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.