SBA lending by metro area
SBA lenders in Jacksonville, FL
Which lenders fund Jacksonville-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 Jacksonville area
Ranked by SBA volume funded to businesses located in the Jacksonville 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. | 614 | $460.6M | $750K | not reported |
| 2 | Florida Business Development Corporation | 267 | $174.7M | $654K | not reported |
| 3 | Live Oak Banking Company | 91 | $119.3M | $1.3M | 1.10% |
| 4 | Ameris Bank | 147 | $117.4M | $798K | 2.72% |
| 5 | Pinnacle Bank | 116 | $115.6M | $997K | 7.76% |
| 6 | Wells Fargo Bank National Association | 371 | $106.1M | $286K | 9.70% |
| 7 | PNC Bank, National Association | 452 | $94.7M | $210K | 3.98% |
| 8 | TD Bank, National Association | 212 | $84.8M | $400K | 5.66% |
| 9 | Truist Bank | 141 | $75.6M | $536K | 4.96% |
| 10 | SouthState Bank, National Association | 100 | $62.5M | $625K | 1.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Jacksonville compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Jacksonville area | $280K ▲ 12.0% | 20.1% ▲ 4.8 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Jacksonville
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 708 | $709.6M |
| Health Care and Social Assistance | 577 | $369.4M |
| Retail Trade | 581 | $283.0M |
| Professional and Technical Services | 469 | $213.5M |
| Construction | 497 | $201.8M |
| Other Services | 415 | $185.0M |
| Manufacturing | 248 | $177.4M |
| Wholesale Trade | 172 | $147.1M |
SBA lending in Jacksonville by year
Geography, precisely
"Jacksonville area" here means the Jacksonville, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Baker County, FL; Clay County, FL; Duval County, FL; Nassau County, FL; St. Johns 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.