SBA lending by state
SBA Lending in Florida
In Florida, SBA lenders funded 63,853 7(a) and 504 loans since FY2010, totaling $35.3B, an average of $552K per loan. The most active lender is TD Bank, National Association, and the most-funded industry is Accommodation and Food Services.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
Top SBA lenders in Florida
Ranked by SBA loans funded in Florida since FY2010. Each lender's figures, including its 7(a) charge-off rate, cover its Florida loans only. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in Florida shows “not reported,” never 0%.
See the full Florida ranking : up to 25 lenders, with the 7(a) vs 504 leaders and industry context.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | TD Bank, National Association | 6,528 | $985.2M | $151K | 11.11% |
| 2 | Wells Fargo Bank National Association | 5,131 | $1.1B | $220K | 8.07% |
| 3 | Florida Business Development Corporation | 4,662 | $3.4B | $736K | 6.67% |
| 4 | Florida First Capital Finance Corporation, Inc. | 4,254 | $3.8B | $885K | 0.00% |
| 5 | JPMorgan Chase Bank, National Association | 3,241 | $538.9M | $166K | 7.37% |
| 6 | Truist Bank | 2,307 | $1.3B | $543K | 3.77% |
| 7 | The Huntington National Bank | 2,214 | $917.2M | $414K | 2.53% |
| 8 | BayFirst National Bank | 1,760 | $566.2M | $322K | 6.08% |
| 9 | Newtek Bank, National Association | 1,667 | $697.8M | $419K | 0.00% |
| 10 | Northeast Bank | 1,430 | $243.6M | $170K | 2.31% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
Ready to find your SBA lender in Florida?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
504 lenders (CDCs) in Florida
An SBA 504 project in Florida pairs two lenders: a bank or credit union funds roughly half the cost as a first mortgage, and a Certified Development Company (CDC) funds about 40% through an SBA-backed debenture, with the borrower putting down around 10%. Below are the CDCs most active on 504 loans in Florida, ranked by 504 loans funded in the state since FY2010. Figures are 504-only; charge-off is reported on 7(a) loans only and does not apply to CDCs.
| CDC | 504 loans | 504 volume |
|---|---|---|
| Florida Business Development Corporation | 4,632 | $3.4B |
| Florida First Capital Finance Corporation, Inc. | 4,233 | $3.8B |
| Sunshine State Economic Development Corporation | 653 | $464.4M |
| Independent Development Services Corporation | 190 | $218.2M |
| Southern Development Council | 6 | $9.4M |
| Certified Development Corporation of South Carolina | 3 | $5.3M |
| Birmingham Citywide Local Development Company | 3 | $2.7M |
| Nevada State Development Corporation | 2 | $3.6M |
| Intermountain Business Lending, Inc. | 2 | $300K |
| Southland Economic Development Corporation | 1 | $3.9M |
Showing the 10 CDCs most active on 504 loans in Florida; the full directory lists every CDC.
All Certified Development Companies · Current 504 loan rates · How 504 loans work
Top industries funded in Florida
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 6,659 | $5.7B |
| Health Care and Social Assistance | 8,005 | $5.1B |
| Retail Trade | 6,975 | $3.6B |
| Wholesale Trade | 4,573 | $3.0B |
| Construction | 7,029 | $3.0B |
| Professional and Technical Services | 7,214 | $3.0B |
| Manufacturing | 3,941 | $2.8B |
| Other Services | 5,745 | $2.6B |
Top cities for SBA loans in Florida
Where SBA 7(a) and 504 borrowers in Florida are located, by funded volume.
| City | Loans | Total volume |
|---|---|---|
| Miami | 6,657 | $2.8B |
| Tampa | 3,218 | $1.9B |
| Orlando | 3,145 | $1.8B |
| Jacksonville | 2,581 | $1.5B |
| Fort Lauderdale | 1,663 | $824.0M |
| Sarasota | 1,239 | $780.1M |
| Fort Myers | 990 | $702.8M |
| West Palm Beach | 1,123 | $643.5M |
SBA lending by metro area in Florida
Which lenders fund each Florida market, with local loan sizes and industries.
- SBA lenders in Miami, FL 23,545 loans
- SBA lenders in Tampa, FL 9,732 loans
- SBA lenders in Orlando, FL 7,494 loans
- SBA lenders in Jacksonville, FL 4,666 loans
- SBA lenders in North Port, FL 2,816 loans
- SBA lenders in Cape Coral, FL 2,076 loans
- SBA lenders in Deltona, FL 1,537 loans
- SBA lenders in Palm Bay, FL 1,633 loans
- SBA lenders in Port St. Lucie, FL 1,426 loans
- SBA lenders in Lakeland, FL 1,131 loans
- SBA lenders in Naples, FL 1,101 loans
- SBA lenders in Pensacola, FL 904 loans
- SBA lenders in Crestview, FL 949 loans
- SBA lenders in Tallahassee, FL 593 loans
- SBA lenders in Ocala, FL 687 loans
- SBA lenders in Gainesville, FL 632 loans
- SBA lenders in Punta Gorda, FL 473 loans
- SBA lenders in Sebastian, FL 457 loans
- SBA lenders in Panama City, FL 460 loans
- SBA lenders in Key West, FL 262 loans
- SBA lenders in Homosassa Springs, FL 214 loans
- SBA lenders in Wildwood, FL 128 loans
- SBA lenders in Lake City, FL 136 loans
- SBA lenders in Sebring, FL 117 loans
- SBA lenders in Palatka, FL 76 loans
- SBA lenders in Clewiston, FL 79 loans
- SBA lenders in Okeechobee, FL 71 loans
SBA lending in Florida by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 2,289 | $802.6M |
| 2011 | 2,594 | $1.1B |
| 2012 | 2,374 | $1.1B |
| 2013 | 2,483 | $1.3B |
| 2014 | 2,480 | $1.4B |
| 2015 | 3,464 | $1.7B |
| 2016 | 3,842 | $1.9B |
| 2017 | 4,018 | $2.0B |
| 2018 | 4,119 | $2.0B |
| 2019 | 3,865 | $2.0B |
| 2020 | 3,065 | $2.0B |
| 2021 | 4,039 | $3.2B |
| 2022 | 4,028 | $2.7B |
| 2023 | 5,241 | $2.9B |
| 2024 | 6,567 | $3.6B |
| 2025 | 7,014 | $4.0B |
| 2026 | 2,371 | $1.5B |
SBA lending in Florida: frequently asked questions
How much SBA lending is there in Florida?
SBA lenders funded 63,853 7(a) and 504 loans totaling $35.3B in Florida in the public SBA data (as of 2026-03-31), an average of $552K per loan.
Who is the most active SBA lender in Florida?
TD Bank, National Association is the most active SBA lender in Florida in the public data, by loans funded.
What industries get the most SBA loans in Florida?
The most-funded industry for SBA loans in Florida is Accommodation and Food Services.
Get SBA lending trends in your inbox
Occasional, data-driven briefings on SBA lending by industry and state. No spam, unsubscribe anytime.
We use your email only to send lending-trend updates. See our privacy policy.