SBA Lenders in Florida
53 active SBA lenders · 25,216 loans approved · $10.9B total volume
All SBA Lenders in Florida
| Lender | City | Loans | Total Volume | Avg Loan | Preferred |
|---|---|---|---|---|---|
| Newtek Bank, National Association | Miami | 10,594 | $4.9B | $460K | ⭐ |
| BayFirst National Bank | Saint Petersburg | 9,544 | $1.8B | $192K | ⭐ |
| SouthState Bank, National Association | WINTER HAVEN | 2,076 | $1.4B | $679K | ⭐ |
| Seacoast National Bank | STUART | 389 | $292.1M | $751K | ⭐ |
| Banesco USA | Miami | 321 | $245.2M | $764K | ⭐ |
| City National Bank of Florida | MIAMI | 260 | $147.5M | $567K | ⭐ |
| Paradise Bank | Boca Raton | 226 | $342.9M | $1.5M | ⭐ |
| Cogent Bank | ORLANDO | 168 | $201.5M | $1.2M | ⭐ |
| Climate First Bank | St. Petersburg | 157 | $179.2M | $1.1M | ⭐ |
| The Bank of Tampa | TAMPA | 156 | $140.5M | $901K | ⭐ |
| iTHINK Financial CU | DELRAY BEACH | 142 | $92.3M | $650K | — |
| BankUnited, National Association | MIAMI LAKES | 135 | $124.6M | $923K | ⭐ |
| Fund-Ex Solutions Group, LLC | Davie | 123 | $153.1M | $1.2M | ⭐ |
| First Federal Bank | LAKE CITY | 111 | $72.9M | $657K | ⭐ |
| Amerant Bank, National Association | CORAL GABLES | 96 | $120.1M | $1.3M | ⭐ |
| Fountainhead SBF LLC | Orlando | 65 | $103.9M | $1.6M | ⭐ |
| Central Bank | TAMPA | 59 | $37.3M | $632K | ⭐ |
| Locality Bank | FORT LAUDERDALE | 59 | $50.9M | $863K | ⭐ |
| U.S. Century Bank | DORAL | 55 | $110.4M | $2.0M | ⭐ |
| Sunshine State Economic Development Corporation | Clearwater | 48 | $8.1M | $168K | — |
| Bank of Central Florida | LAKELAND | 38 | $31.3M | $824K | — |
| OptimumBank | FORT LAUDERDALE | 37 | $40.7M | $1.1M | ⭐ |
| Pacific National Bank | MIAMI | 32 | $37.6M | $1.2M | ⭐ |
| First Bank | CLEWISTON | 31 | $6.2M | $200K | — |
| One Florida Bank | Orlando | 25 | $28.2M | $1.1M | — |
| Gulfside Bank | P.O. Box 1824 | 24 | $21.1M | $879K | ⭐ |
| Sanibel Captiva Community Bank | SANIBEL | 23 | $22.5M | $979K | — |
| Florida First Capital Finance Corporation, Inc. | Tallahassee | 22 | $4.6M | $207K | — |
| BBIF Captial, Inc. | Orlando | 21 | $2.7M | $130K | — |
| Ocean Bank | MIAMI | 21 | $30.8M | $1.5M | — |
| Florida Business Development Corporation | Tampa | 17 | $3.0M | $178K | — |
| Axiom Bank, National Association | MAITLAND | 16 | $5.1M | $321K | ⭐ |
| EverBank National Association | JACKSONVILLE | 16 | $24.0M | $1.5M | — |
| Achieva CU | DUNEDIN | 14 | $8.0M | $572K | ⭐ |
| Marine Bank & Trust Company | VERO BEACH | 13 | $5.6M | $429K | — |
| GTE FCU d/b/a GTE Financial | TAMPA | 10 | $2.8M | $280K | — |
| Crews Bank and Trust | WAUCHULA | 10 | $5.8M | $583K | — |
| Florida Capital Bank, National Association | JACKSONVILLE | 10 | $10.4M | $1.0M | ⭐ |
| McCoy FCU | ORLANDO | 9 | $2.0M | $227K | — |
| Suncoast CU | TAMPA | 8 | $6.8M | $851K | ⭐ |
| Gulf Coast Business Bank | FORT MYERS | 7 | $10.8M | $1.5M | — |
| Flagship Bank | CLEARWATER | 5 | $1.8M | $365K | — |
| Fairwinds CU | ORLANDO | 4 | $1.3M | $324K | — |
| Terrabank, National Association | MIAMI | 4 | $1.7M | $415K | ⭐ |
| Lafayette State Bank | MAYO | 3 | $2.2M | $722K | — |
| VyStar CU | JACKSONVILLE | 3 | $908K | $303K | — |
| Intracoastal Bank | PALM COAST | 2 | $1.1M | $546K | — |
| Orlando CU | ORLANDO | 2 | $1.3M | $674K | — |
| Midflorida CU | LAKELAND | 1 | $1.4M | $1.4M | — |
| International Finance Bank | Miami | 1 | $404K | $404K | — |
| Mainstreet Community Bank of Florida | DE LAND | 1 | $350K | $350K | — |
| First State Bank of the Florida Keys | KEY WEST | 1 | $604K | $604K | — |
| Prime Meridian Bank | TALLAHASSEE | 1 | $371K | $371K | — |
Finding an SBA Lender in Florida
There are currently 53 SBA-approved lenders headquartered in Florida, ranging from national banks to local community lenders. Together they have approved 25,216 SBA 7(a) loans totaling $10.9B since 2020.
Of these, 26 are SBA Preferred Lenders — meaning they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing and funding.
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SBA Lender Questions for Florida
How many SBA lenders are in Florida?
There are currently 53 SBA-approved lenders headquartered in Florida. Together they have approved 25,216 SBA 7(a) loans totaling $10.9B since 2020. Of these, 26 hold SBA Preferred Lender status, allowing them to approve loans without prior SBA review.
What is an SBA Preferred Lender in Florida?
An SBA Preferred Lender (PLP) in Florida is a bank or financial institution that has earned delegated authority from the SBA to approve loans independently — without waiting for SBA review. This results in faster approvals (often 7–10 business days vs. 4–6 weeks) and a more streamlined process. Florida currently has 26 Preferred Lenders.
How do I choose the best SBA lender in Florida?
When choosing an SBA lender in Florida, consider three factors: (1) Preferred Lender status — these lenders close loans faster; (2) loan volume — lenders with higher approval counts have more SBA experience; (3) average loan size — find a lender whose typical deal size matches your needs. Our directory shows real SBA loan data for all 53 Florida lenders so you can compare objectively.
How long does SBA loan approval take in Florida?
With an SBA Preferred Lender in Florida, approval typically takes 7–10 business days. Non-preferred lenders require SBA review, adding 2–4 weeks. After approval, funding usually takes an additional 2–4 weeks, so total time from application to funding is typically 30–90 days depending on the lender and loan complexity.