SBA lending by metro area
SBA lenders in Miami, FL
Which lenders fund Miami-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 Miami area
Ranked by SBA volume funded to businesses located in the Miami 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 Business Development Corporation | 1,707 | $1.4B | $806K | not reported |
| 2 | Florida First Capital Finance Corporation, Inc. | 1,283 | $1.3B | $1.0M | not reported |
| 3 | TD Bank, National Association | 4,175 | $547.7M | $131K | 12.84% |
| 4 | Truist Bank | 821 | $524.1M | $638K | 4.99% |
| 5 | Wells Fargo Bank National Association | 2,136 | $452.1M | $212K | 8.75% |
| 6 | Paradise Bank | 312 | $439.0M | $1.4M | 2.24% |
| 7 | Live Oak Banking Company | 344 | $420.2M | $1.2M | 0.87% |
| 8 | Newtek Small Business Finance, Inc. | 469 | $339.9M | $725K | 2.77% |
| 9 | Newtek Bank, National Association | 729 | $326.2M | $447K | 0.00% |
| 10 | JPMorgan Chase Bank, National Association | 1,812 | $256.5M | $142K | 8.28% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Miami compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Miami area | $173K ▼ 30.8% | 13.3% ▼ 2.0 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Miami
| Industry | Loans | Total funded |
|---|---|---|
| Wholesale Trade | 2,920 | $1.9B |
| Health Care and Social Assistance | 2,736 | $1.6B |
| Retail Trade | 2,498 | $1.2B |
| Manufacturing | 1,496 | $1.1B |
| Professional and Technical Services | 3,008 | $1.1B |
| Accommodation and Food Services | 1,330 | $906.3M |
| Construction | 2,511 | $879.4M |
| Other Services | 1,885 | $753.8M |
SBA lending in Miami by year
Geography, precisely
"Miami area" here means the Miami-Fort Lauderdale-West Palm Beach, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Broward County, FL; Miami-Dade County, FL; Palm Beach 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.