SBA lending by metro area
SBA lenders in Punta Gorda, FL
Which lenders fund Punta Gorda-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 Punta Gorda area
Ranked by SBA volume funded to businesses located in the Punta Gorda 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. | 24 | $21.8M | $907K | not reported |
| 2 | The Huntington National Bank | 39 | $20.6M | $529K | 5.13% |
| 3 | Centennial Bank | 10 | $17.4M | $1.7M | not reported |
| 4 | Truist Bank | 34 | $15.6M | $460K | 0.00% |
| 5 | Florida Business Development Corporation | 26 | $12.9M | $495K | not reported |
| 6 | Independent Development Services Corporation | 6 | $10.7M | $1.8M | not reported |
| 7 | Regions Bank | 16 | $9.3M | $582K | not reported |
| 8 | Fifth Third Bank | 8 | $8.3M | $1.0M | not reported |
| 9 | SouthState Bank, National Association | 6 | $7.6M | $1.3M | not reported |
| 10 | Live Oak Banking Company | 10 | $7.5M | $755K | 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 Punta Gorda compares
Median funded SBA loan and 504 share of loans, FY2010–2026.
| Median loan | 504 share | |
|---|---|---|
| Punta Gorda area | $328K ▲ 31.3% | 12.5% ▼ 2.8 pts |
| Florida | $250K | 15.3% |
| United States | $179K | 11.2% |
What gets funded in Punta Gorda
| Industry | Loans | Total funded |
|---|---|---|
| Accommodation and Food Services | 56 | $46.0M |
| Health Care and Social Assistance | 69 | $44.1M |
| Construction | 72 | $40.5M |
| Other Services | 61 | $33.7M |
| Professional and Technical Services | 35 | $28.3M |
| Administrative and Support | 39 | $23.9M |
| Retail Trade | 40 | $21.6M |
| Wholesale Trade | 19 | $19.0M |
SBA lending in Punta Gorda by year
Geography, precisely
"Punta Gorda area" here means the Punta Gorda, FL metropolitan statistical area as delineated by OMB (July 2023), which is exactly these counties: Charlotte 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.