SBA lending by metro area
SBA lenders in Lake City, FL
Which lenders fund Lake City-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 Lake City area
Ranked by SBA volume funded to businesses located in the Lake City micropolitan 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. | 23 | $8.7M | $379K | not reported |
| 2 | First Federal Bank | 12 | $5.0M | $420K | not reported |
| 3 | TD Bank, National Association | 30 | $3.5M | $118K | 6.67% |
| 4 | Florida Business Development Corporation | 6 | $2.6M | $441K | not reported |
| 5 | Seacoast National Bank | 6 | $1.5M | $251K | not reported |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Lake City compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Lake City area | $210K ▼ 16.0% | 22.8% ▲ 7.5 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Lake City
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 20 | $27.1M |
| Health Care and Social Assistance | 28 | $17.3M |
| Other Services | 16 | $8.2M |
| Professional and Technical Services | 19 | $4.8M |
| Agriculture, Forestry, Fishing | 6 | $4.6M |
| Retail Trade | 12 | $2.9M |
| Administrative and Support | 7 | $1.1M |
| Construction | 10 | $1.1M |
SBA lending in Lake City by year
Geography, precisely
"Lake City area" here means the Lake City, FL micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Columbia 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.