SBA lending by metro area
SBA lenders in Palatka, FL
Which lenders fund Palatka-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 Palatka area
Ranked by SBA volume funded to businesses located in the Palatka 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. | 18 | $10.8M | $598K | not reported |
| 2 | Florida Business Development Corporation | 8 | $8.2M | $1.0M | not reported |
| 3 | Ameris Bank | 7 | $3.3M | $467K | not reported |
| 4 | PNC Bank, National Association | 6 | $1.6M | $267K | 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 Palatka compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Palatka area | $401K ▲ 60.5% | 35.5% ▲ 20.3 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Palatka
| Industry | Loans | Total funded |
|---|---|---|
| Health Care and Social Assistance | 19 | $16.1M |
| Manufacturing | 10 | $12.0M |
| Accommodation and Food Services | 12 | $9.0M |
| Retail Trade | 12 | $9.0M |
| Construction | 6 | $555K |
SBA lending in Palatka by year
Geography, precisely
"Palatka area" here means the Palatka, FL micropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Putnam 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.