SBA lending by metro area
SBA lenders in Pensacola, FL
Which lenders fund Pensacola-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 Pensacola area
Ranked by SBA volume funded to businesses located in the Pensacola 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. | 125 | $72.3M | $579K | not reported |
| 2 | Live Oak Banking Company | 48 | $61.1M | $1.3M | 0.00% |
| 3 | Pinnacle Bank | 42 | $43.4M | $1.0M | 2.38% |
| 4 | Florida Business Development Corporation | 32 | $30.0M | $938K | not reported |
| 5 | Hancock Whitney Bank | 71 | $24.9M | $351K | 0.00% |
| 6 | Renasant Bank | 29 | $23.6M | $813K | 0.00% |
| 7 | Truist Bank | 19 | $17.7M | $934K | not reported |
| 8 | Centennial Bank | 6 | $16.2M | $2.7M | not reported |
| 9 | Ameris Bank | 9 | $15.3M | $1.7M | not reported |
| 10 | The Huntington National Bank | 28 | $13.5M | $482K | 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 Pensacola compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Pensacola area | $314K ▲ 25.4% | 18.4% ▲ 3.1 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Pensacola
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 164 | $175.1M |
| Health Care and Social Assistance | 117 | $75.5M |
| Retail Trade | 114 | $60.6M |
| Other Services | 95 | $57.7M |
| Construction | 99 | $56.4M |
| Professional and Technical Services | 76 | $34.1M |
| Administrative and Support | 59 | $30.0M |
| Arts, Entertainment, Recreation | 27 | $25.9M |
SBA lending in Pensacola by year
Geography, precisely
"Pensacola area" here means the Pensacola-Ferry Pass-Brent, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Escambia County, FL; Santa Rosa 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.