SBA lending by metro area
SBA lenders in Palm Bay, FL
Which lenders fund Palm Bay-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 Palm Bay area
Ranked by SBA volume funded to businesses located in the Palm Bay 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. | 105 | $100.0M | $952K | not reported |
| 2 | Florida Business Development Corporation | 128 | $74.3M | $580K | not reported |
| 3 | Live Oak Banking Company | 36 | $42.0M | $1.2M | 0.00% |
| 4 | TD Bank, National Association | 270 | $39.6M | $146K | 7.04% |
| 5 | Truist Bank | 87 | $34.6M | $398K | 3.45% |
| 6 | Wells Fargo Bank National Association | 107 | $27.1M | $253K | 4.67% |
| 7 | Seacoast National Bank | 56 | $26.3M | $470K | 5.36% |
| 8 | SouthState Bank, National Association | 50 | $22.5M | $450K | 2.00% |
| 9 | JPMorgan Chase Bank, National Association | 100 | $21.8M | $218K | 4.00% |
| 10 | The Huntington National Bank | 50 | $21.5M | $429K | 0.00% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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How Palm Bay compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Palm Bay area | $237K ▼ 5.2% | 14.8% ▼ 0.5 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Palm Bay
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 200 | $172.0M |
| Health Care and Social Assistance | 243 | $144.8M |
| Retail Trade | 173 | $89.9M |
| Construction | 196 | $68.8M |
| Manufacturing | 129 | $63.2M |
| Professional and Technical Services | 150 | $61.8M |
| Other Services | 161 | $59.7M |
| Arts, Entertainment, Recreation | 52 | $34.8M |
SBA lending in Palm Bay by year
Geography, precisely
"Palm Bay area" here means the Palm Bay-Melbourne-Titusville, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Brevard 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.