SBA lending by metro area
SBA lenders in Lakeland, FL
Which lenders fund Lakeland-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 Lakeland area
Ranked by SBA volume funded to businesses located in the Lakeland 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. | 98 | $106.7M | $1.1M | not reported |
| 2 | Live Oak Banking Company | 31 | $40.6M | $1.3M | 6.45% |
| 3 | Florida Business Development Corporation | 58 | $32.9M | $567K | not reported |
| 4 | Truist Bank | 51 | $24.2M | $474K | 3.92% |
| 5 | The Huntington National Bank | 57 | $20.9M | $367K | 0.00% |
| 6 | Fifth Third Bank | 10 | $19.6M | $2.0M | not reported |
| 7 | SouthState Bank, National Association | 25 | $18.6M | $743K | 0.00% |
| 8 | Wells Fargo Bank National Association | 101 | $17.5M | $174K | 6.93% |
| 9 | BayFirst National Bank | 42 | $16.5M | $393K | 0.00% |
| 10 | Bank Five Nine | 13 | $16.3M | $1.3M | 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 Lakeland compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Lakeland area | $280K ▲ 12.0% | 15.1% |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Lakeland
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 159 | $162.8M |
| Health Care and Social Assistance | 119 | $90.3M |
| Retail Trade | 140 | $77.4M |
| Manufacturing | 86 | $71.0M |
| Professional and Technical Services | 120 | $63.6M |
| Other Services | 107 | $55.9M |
| Construction | 120 | $41.6M |
| Real Estate | 49 | $38.3M |
SBA lending in Lakeland by year
Geography, precisely
"Lakeland area" here means the Lakeland-Winter Haven, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Polk 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.