Searching for trusted Florida SBA lenders to power your business growth? Our comprehensive directory connects Florida entrepreneurs with approved SBA loan providers throughout Miami, Orlando, Tampa, Jacksonville and across the state. Whether you’re exploring SBA 7(a) loans, 504 loans, microloans, or disaster assistance, our list features the most active small business lenders with competitive rates and flexible terms for Florida businesses. Discover which local banks, credit unions, and financial institutions participate in Small Business Administration lending programs, compare their requirements, and find the ideal financing partner to help your Florida small business thrive in the Sunshine State’s dynamic economic landscape.
| County | Lender Name | City State | Phone | Website | Programs |
|---|---|---|---|---|---|
| Alachua | Ameris Bank | Gainesville, FL | 352-264-7266 | amerisbank.com | (PLP, SBAX, EE) |
| Alachua | Campus USA Credit Union | Gainesville, FL | 352-338-3362 | campuscu.com | |
| Alachua | Capital City Bank | Gainesville, FL | 850-402-7030 | ccbg.com | |
| Alachua | First Federal Bank | 386-755-0600 | ffbf.com | (PLP) | |
| Alachua | Florida Credit Union | Gainesville, FL | 352-377-4141 x2107 | flcu.org | (SBAX) |
| Alachua | MidFlorida Credit Union | Gainesville, FL | 352-369-1000 | midflorida.com | |
| Alachua | Millennium Bank | 386-487-3126 | millenniumbank.com | (SBAX, EE) | |
| Alachua | Radiant Federal Credit Union | Gainesville, FL | 352-381-1018 | radiantcu.org | |
| Alachua | SouthState Bank | Gainesville, FL | 352-333-6517 | southstatebank.com | (PLP, EWCP) |
| Baker | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Baker | SouthState Bank | Jacksonville, FL | 754-264-5710 | southstatebank.com | (PLP, EWCP) |
| Baker | Tru-Fi Credit Union | Macclenny, FL | 904-259-6702 | truficu.org | |
| Bay | Ameris Bank | Panama City, FL | 352-264-7256 | amerisbank.com | (PLP, SBAX, EE) |
| Bay | Community Bank of Mississippi | Panama City, FL | 850-250-3511 | communitybank.net | (PLP, SBAX) |
| Bay | First National Bank Northwest Florida | Panama City, FL | 850-769-3207 | fnbnwfl.com | (PLP) |
| Bay | Hancock Whitney Bank | 850-890-3858 | hancockwhitney.com | (PLP, SBAX, EE, EWCP) | |
| Bay | LCA Bank Corporation | 850-276-0484 | leasecorp.com | (PLP, SBAX, EE) | |
| Bay | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Bay | Navy Federal Credit Union | Pensacola, FL | 850-912-0844 | navyfederal.org | (SBAX, EE) |
| Bay | Regions Bank | Jacksonville, FL | 800-734-4667 | regions.com | (PLP, SBAX, EE, EWCP) |
| Bay | SmartBank | 850-803-5055 | smartbank.com | (PLP, SBAX, EE) | |
| Bay | TC Federal Bank | Tallahassee, FL | 850-894-3001 | tcfederal.com | |
| Bay | Wells Fargo Bank, NA | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) | |
| Bradford | Capital City Bank | Starke, FL | 904-964-7050 | ccbg.com | |
| Bradford | Community State Bank | Starke, FL | 904-974-7830 | dlp.bank | |
| Calhoun | Calhoun-Liberty Credit Union | Blountstown, FL | 850-674-4527 | calhounlibertycu.com | |
| Calhoun | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Citrus | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Citrus | Seacoast Bank | Orlando, FL | 754-216-0674 | seacoastbank.com | (PLP, SBAX, EE) |
| Clay | Bank of America | 941-685-1192 | bankofamerica.com | (PLP, SBAX, EE, EWCP) | |
| Clay | Capital City Bank | Keystone Heights, FL | 352-473-4952 | ccbg.com | |
| Clay | JP Morgan Chase Bank | Jacksonville, FL | 904-513-5636 | chase.com | (PLP, SBAX) |
| Clay | Colony Bank | 407-740-0401 | colony.bank | (PLP, SBAX, EE) | |
| Clay | First Port City Bank | Fernandina Bch, FL | 904-557-9355 | firstportcity.com | (PLP, SBAX) |
| Clay | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Clay | Regions Bank | Orange Park, FL | 800-734-4667 | regions.com | (PLP, SBAX, EE, EWCP) |
| Clay | SouthState Bank | Jacksonville, FL | 754-264-5710 | southstatebank.com | (PLP, EWCP) |
| Columbia | First Federal Bank | Lake City, FL | 386-755-0600 | ffbf.com | (PLP) |
| Columbia | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Columbia | Millennium Bank | Lake City, FL | 386-487-3129 | millenniumbank.com | (SBAX, EE) |
| Columbia | Seacoast Bank | Lake City, FL | 386-754-0002 | seacoastbank.com | (PLP, SBAX, EE) |
| Duval | Addition Financial CU | Jacksonville, FL | 407-896-9411 | additionfi.com | (SBAX) |
| Duval | Ameris Bank | Jacksonville, FL | 904-699-9761 | amerisbank.com | (PLP, SBAX, EE) |
| Duval | Bank of America | 941-685-1192 | bankofamerica.com | (PLP, SBAX, EE, EWCP) | |
| Duval | Central Bank | Jacksonville, FL | 904-239-7534 | centralbankfl.com | (PLP) |
| Duval | Climate First Bank | Jacksonville, FL | 904-607-1634 | climatefirstbank.com | (SBAX, EWCP) |
| Duval | Cogent Bank | Jacksonville, FL | 904-274-8809 | cogentbank.com | (PLP, SBAX) |
| Duval | Dogwood State Bank | Jacksonville, FL | 855-557-6863 | dogwoodstatesbl.com | (PLP, SBAX) |
| Duval | Enterprise Bank & Trust | Jacksonville Bch, FL | 904-535-7288 | enterprisebank.com | (PLP, SBAX, EE, EWCP) |
| Duval | Fifth Third Bank | Jacksonville, FL | 904-486-1942 | 53.com | (PLP, SBAX, EE, EWCP) |
| Duval | The First Bank | Jacksonville, FL | 904-474-6153 | thefirstbank.com | (PLP, SBAX) |
| Duval | First-Citizens Bank & Trust | Jacksonville, FL | 904-394-2289 | firstcitizens.com | (PLP, SBAX, EWCP) |
| Duval | First Port City Bank | Fernandina Bch, FL | 904-557-9355 | firstportcity.com | (PLP, SBAX) |
| Duval | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Duval | Live Oak Bank | Jacksonville, FL | 904-302-4957 | liveoakbank.com | (PLP, SBAX, EE, EWCP) |
| Duval | Midwest Regional Bank | Jacksonville, FL | 904-233-0192 | mwrbank.com | (PLP, EWCP) |
| Duval | Navy Federal Credit Union | Jacksonville, FL | 850-912-0844 | navyfederal.org | (SBAX, EE) |
| Duval | North State Bank | Jacksonville, FL | 904-477-7057 | northstatebank.com | (PLP, SBAX) |
| Duval | RadiFi Credit Union | Jacksonville, FL | 904-475-8085 | radificu.org | |
| Duval | SouthState Bank | Jacksonville, FL | 754-264-5710 | southstatebank.com | (PLP, SBAX, EE, EWCP) |
| Duval | Synovus Bank | Jacksonville, FL | 904-641-5605 | synovus.com | (PLP, SBAX, EE, EWCP) |
| Duval | TD Bank, NA | Jacksonville, FL | 412-607-2769 | td.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
| Duval | Tru-Fi Credit Union | Baldwin, FL | 904-259-6702 | truficu.org | |
| Duval | Truist | Jacksonville, FL | 904-705-1367 | truist.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
| Duval | VyStar Credit Union | Jacksonville, FL | 904-420-5072 | vystarcu.org | |
| Duval | Wells Fargo Bank, NA | Jacksonville, FL | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) |
| Escambia | Community Bank of Mississippi | Pensacola, FL | 850-806-1450 | communitybank.net | (PLP, SBAX) |
| Escambia | Encore Bank | Pensacola, FL | 844-394-2265 | bankencore.com | (PLP, SBAX) |
| Escambia | The First Bank | Pensacola, FL | 850-202-9900 | thefirstbank.com | (PLP, SBAX) |
| Escambia | Hancock Whitney Bank | Pensacola, FL | 850-444-3221 | hancockwhitney.com | (PLP, SBAX, EE, EWCP) |
| Escambia | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Escambia | Navy Federal Credit Union | Pensacola, FL | 850-473-4719 | navyfederal.org | (SBAX, EE) |
| Escambia | Regions Bank | Pensacola, FL | 800-734-4667 | regions.com | (PLP, SBAX, EE, EWCP) |
| Escambia | Synovus Bank | Pensacola, FL | 850-436-2981 | synovus.com | (PLP, SBAX, EE, EWCP) |
| Escambia | Warrington Bank | Pensacola, FL | 850-455-7351 | warringtonbank.com | |
| Flagler | First Port City Bank | Fernandina Bch, FL | 904-557-9355 | firstportcity.com | (PLP, SBAX) |
| Flagler | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Flagler | Seacoast Bank | Orlando, FL | 754-216-0674 | seacoastbank.com | (PLP, SBAX, EE) |
| Flagler | SouthState Bank | Jacksonville, FL | 754-264-5710 | southstatebank.com | (PLP, EWCP) |
| Flagler | TD Bank, NA | Jacksonville, FL | 412-607-2769 | td.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
| Franklin | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Gilchrist | Seacoast Bank | Trenton, FL | 352-463-3010 | seacoastbank.com | (PLP, SBAX, EE) |
| Gilchrist | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Gilchrist | Millennium Bank | Lake City, FL | 386-487-3126 | millenniumbank.com | (SBAX, EE) |
| Hamilton | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Hamilton | Millennium Bank | 386-487-3126 | millenniumbank.com | ||
| Hernando | Bank of America | 941-685-1192 | bankofamerica.com | (PLP, SBAX, EE, EWCP) | |
| Holmes | First Federal Bank | 850-526-7144 | ffbf.com | (PLP) | |
| Jackson | First Commerce Credit Union | Marianna, FL | 850-718-0081 | firstcommercecu.org | |
| Jackson | First Federal Bank | Marianna, FL | 850-526-7144 | ffbf.com | (PLP) |
| Jackson | Hancock Whitney Bank | 850-628-0307 | hancockwhitney.com | (PLP, SBAX, EE, EWCP) | |
| Jackson | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Jackson | Peoples Bank of Graceville | Graceville, FL | 850-263-3267 x17 | peoplesgraceville.com | |
| Jackson | TC Federal Bank | Tallahassee, FL | 850-894-3001 | tcfederal.com | |
| Lake | Citizens First Bank | The Villages, FL | 352-751-2100 | citizensfb.com | |
| Lake | First National Bank of Mount Dora | Mount Dora, FL | 352-383-2111 | fnbmd.com | |
| Lake | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Lake | Seacoast Bank | Eustis, FL | 352-483-8900 | seacoastbank.com | (PLP, SBAX, EE) |
| Lake | SouthState Bank | 754-264-5710 | southstatebank.com | (PLP, EWCP) | |
| Lake | United Southern Bank | Eustis, FL | 352-483-4502 | unitedsouthernbank.com | |
| Leon | Capital City Bank | Tallahassee, FL | 850-402-7960 | ccbg.com | |
| Leon | FAMU Federal Credit Union | Tallahassee, FL | 850-222-4541 | famufcu.com | |
| Leon | First Commerce Credit Union | Tallahassee, FL | 850-410-3567 | firstcommercecu.org | |
| Leon | Hancock Whitney Bank | Tallahassee, FL | 850-792-8827 | hancockwhitney.com | (PLP, SBAX, EE, EWCP) |
| Leon | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Leon | Prime Meridian Bank | Tallahassee, FL | 850-907-2300 | primemeridianbank.com | |
| Leon | Synovus Bank | 850-436-2981 | synovus.com | (PLP, SBAX, EE, EWCP) | |
| Leon | TC Federal Bank | Tallahassee, FL | 850-894-3001 | tcfederal.com | |
| Leon | Truist | Tallahassee, FL | 850-877-4646 | truist.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
| Levy | Capital City Bank | Williston, FL | 352-528-5389 | ccbg.com | |
| Levy | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Levy | Seacoast Bank | Chiefland, FL | 352-498-7733 | seacoastbank.com | (PLP, SBAX, EE) |
| Madison | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Madison | Madison County Community Bank | Madison, FL | 850-973-2400 | mccbflorida.com | |
| Marion | Campus USA Credit Union | Gainesville, FL | 352-335-9090 | campuscu.com | |
| Marion | First Federal Bank | Ocala, FL | 352-732-6616 | ffbf.com | (PLP) |
| Marion | Florida Credit Union | Gainesville, FL | 352-377-4141 x2107 | flcu.org | (SBAX) |
| Marion | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Marion | MidFlorida Credit Union | Ocala, FL | 352-331-1063 | midflorida.com | |
| Marion | Seacoast Bank | Orlando, FL | 754-216-0674 | seacoastbank.com | (PLP, SBAX, EE) |
| Marion | SouthState Bank | Ocala, FL | 754-264-5710 | southstatebank.com | (PLP, EWCP) |
| Marion | TD Bank, NA | 412-607-2769 | td.com | (PLP, SBAX, EE, EWCP, SAB Caplines) | |
| Nassau | First Port City Bank | Fernandina Bch, FL | 904-557-9355 | firstportcity.com | (PLP, SBAX) |
| Nassau | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Nassau | SouthState Bank | Jacksonville, FL | 754-264-5710 | southstatebank.com | (PLP, EWCP) |
| Okaloosa | Community Bank of Mississippi | Ft. Walton Bch, FL | 850-812-3500 | communitybank.net | (PLP, SBAX) |
| Okaloosa | FNBT Bank | Ft. Walton Bch, FL | 850-796-2000 | fnbt.com | (SBAX) |
| Okaloosa | The First Bank | Destin, FL | 850-269-1201 | thefirstbank.com | (PLP, SBAX) |
| Okaloosa | Hancock Whitney Bank | 850-306-7013 | hancockwhitney.com | (PLP, SBAX, EE, EWCP) | |
| Okaloosa | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Okaloosa | PNB Community Bank | Niceville, FL | 850-678-3110 | pnbcommunity.bank | |
| Okaloosa | Regions Bank | Jacksonville, FL | 800-734-4667 | regions.com | (PLP, SBAX, EE, EWCP) |
| Okaloosa | Synovus Bank | Valparaiso, FL | 850-436-4762 | synovus.com | (PLP, SBAX, EE, EWCP) |
| Okaloosa | United Fidelity Bank | Ft. Walton Bch, FL | 850-244-5151 | unitedfidelity.com | |
| Okaloosa | Wells Fargo Bank, NA | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) | |
| Orange | American Momentum Bank | Orlando, FL | 866-530-2265 | americanmomentum.bank | (PLP, SBAX) |
| Orange | Axiom Bank | Maitland, FL | 321-249-7856 | axiombanking.com | (PLP, SBAX, EE, EWCP) |
| Orange | The Bancorp Bank, NA | 407-758-3926 | smallbizlending.thebancorp.com | (PLP, SBAX, EE, EWCP) | |
| Orange | Bank of America | 941-685-1192 | bankofamerica.com | (PLP, SBAX, EE, EWCP) | |
| Orange | BankUnited | Orlando, FL | 407-267-4873 | bankunited.com | (PLP, SBAX, EE) |
| Orange | Commerce Bank & Trust | Winter Park, FL | 407-622-8181 | cbtfl.com | |
| Orange | Customers Bank | Orlando, FL | 407-761-4114 | customersbank.com | (PLP, SBAX, EE, EWCP) |
| Orange | Fairwinds Credit Union | Orlando, FL | 407-277-6030 | fairwinds.org | (PLP, SBAX, SAB Caplines) |
| Orange | Colony Bank | Maitland, FL | 407-740-0401 | colony.bank | (PLP, SBAX, EE) |
| Orange | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Orange | McCoy Federal CU | Orlando, FL | 407-583-1112 | mccoyfcu.org | (SBAX) |
| Orange | Midwest Regional Bank | 407-461-1770 | mwrbank.com | (PLP, EWCP) | |
| Orange | One Florida Bank | Orlando, FL | 407-693-0539 | onefloridabank.com | |
| Orange | Regions Bank | Orlando, FL | 800-734-4667 | regions.com | (PLP, SBAX, EE, EWCP) |
| Orange | SouthState Bank | Orlando, FL | 407-697-3027 | southstatebank.com | (PLP, EWCP) |
| Orange | TD Bank, NA | Winter Park, FL | 407-622-3539 | td.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
| Orange | Trustco Bank | Maitland, FL | 407-659-5710 | trustcobank.com | (SBAX) |
| Orange | United Community Bank | Orlando, FL | 407-217-1433 | ucbi.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
| Orange | Wells Fargo Bank, NA | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) | |
| Putnam | Ameris Bank | Palatka, FL | 904-315-9767 | amerisbank.com | (PLP, SBAX, EE) |
| Putnam | Capital City Bank | Palatka, FL | 386-326-3440 | ccbg.com | |
| Putnam | Community State Bank | Interlachen, FL | 904-974-7830 | dlp.bank | |
| Putnam | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Putnam | First Port City Bank | Fernandina Bch, FL | 904-557-9355 | firstportcity.com | (PLP, SBAX) |
| Putnam | SouthState Bank | Palatka, FL | 386-328-5600 | southstatebank.com | (PLP, EWCP) |
| Saint Johns | First-Citizens Bank & Trust | Ponte Vedra Bch, FL | 904-543-2683 | firstcitizens.com | (PLP, SBAX, EWCP) |
| Saint Johns | First Port City Bank | Fernandina Bch, FL | 904-557-9355 | firstportcity.com | (PLP, SBAX) |
| Saint Johns | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Saint Johns | Regions Bank | Jacksonville, FL | 800-734-4667 | regions.com | (PLP, SBAX, EE, EWCP) |
| Saint Johns | SouthState Bank | Jacksonville, FL | 754-264-5710 | southstatebank.com | (PLP, EWCP) |
| Saint Johns | Wells Fargo Bank, NA | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) | |
| Santa Rosa | Community Bank of Mississippi | Miramar Bch, FL | 850-650-4231 | communitybank.net | (PLP, SBAX) |
| Santa Rosa | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE, EWCP) | |
| Seminole | Addition Financial CU | Lake Mary, FL | 321-328-1406 | additionfi.com | (SBAX) |
| Seminole | Ameris Bank | Lake Mary, FL | 800-342-2824 | amerisbank.com | (PLP, SBAX, EE) |
| Seminole | Cogent Bank | Lake Mary, FL | 407-545-2662 | cogentbank.com | (PLP, SBAX) |
| Seminole | Fairwinds Credit Union | Oviedo, FL | 407-365-6611 | fairwinds.org | (PLP, SBAX, SAB Caplines) |
| Seminole | Insight Credit Union | Winter Springs, FL | 407-426-6000 | insightcreditunion.com | |
| Seminole | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Seminole | Seacoast Bank | Orlando, FL | 754-216-0674 | seacoastbank.com | (PLP, SBAX, EE) |
| Seminole | SouthState Bank | Sanford, FL | 407-508-3022 | southstatebank.com | (PLP, EWCP) |
| Seminole | TD Bank, NA | 407-622-3539 | td.com | (PLP, SBAX, EE, EWCP, SAB Caplines) | |
| Seminole | Wells Fargo Bank, NA | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) | |
| Sumter | Citizens First Bank | 352-751-2100 | citizensfb.com | ||
| Sumter | Lake Michigan Credit Union | The Villages, FL | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) |
| Sumter | Seacoast Bank | 754-216-0674 | seacoastbank.com | (PLP, SBAX, EE) | |
| Suwannee | Lake Michigan Credit Union | Orlando, FL | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) |
| Suwannee | Millennium Bank | Lake City, FL | 386-487-3126 | millenniumbank.com | (SBAX, EE) |
| Taylor | Live Oak Bank | 904-302-4957 | liveoakbank.com | (PLP, SBAX, EE, EWCP) | |
| Union | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Union | Millennium Bank | Lake City, FL | 386-487-3126 | millenniumbank.com | (SBAX, EE) |
| Volusia | Cogent Bank | 407-545-2662 | cogentbank.com | (PLP, SBAX) | |
| Volusia | Intracoastal Bank | Daytona Bch, FL | 386-274-5304 | intracoastal.bank | |
| Volusia | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Volusia | Mainstreet Community Bank of FL | Deland, FL | 386-785-1164 | bankonmainstreet.com | |
| Volusia | SouthState Bank | Port Orange, FL | 386-761-7011 | southstatebank.com | (PLP, EWCP) |
| Volusia | Surety Bank | Deland, FL | 386-734-1647 | surety.bank | |
| Volusia | Wells Fargo Bank, NA | 904-351-7424 | wellsfargo.com | (PLP, SBAX, EE, EWCP) | |
| Walton | Community Bank of Mississippi | Miramar Bch, FL | 850-650-4231 | communitybank.net | (PLP, SBAX) |
| Walton | Hancock Whitney Bank | 850-890-3858 | hancockwhitney.com | (PLP, SBAX, EE, EWCP) | |
| Walton | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Walton | Live Oak Bank | 904-302-4957 | liveoakbank.com | (PLP, SBAX, EE, EWCP) | |
| Washington | Lake Michigan Credit Union | 727-465-4629 | lmcu.org | (PLP, SBAX, EE) | |
| Statewide Lenders | |||||
| Ascendus | 305-537-5998 | ascendus.org | (Statewide Microlender, Community Advantage SBLC) | ||
| Barwick Banking | 229-735-3110 | barwickbank.com | |||
| BayFirst National Bank | 727-685-2083 | bayfirstfinancial.com | (PLP, SBAX, EE) | ||
| Berkshire Bank | 413-443-5601 | berkshirebank.com | (PLP, SBAX, EE) | ||
| Black Business Investment Fund | 407-649-4780 | bbif.com | (Statewide Microlender, Community Advantage SBLC) | ||
| Cadence Bank | 662-680-2369 | cadencebank.com | (PLP, SBAX, EE, EWCP) | ||
| Capital One, NA | 703-720-2500 | capitalone.com | (PLP, SBAX, EE, EWCP) | ||
| Celtic Bank | 801-867-5030 | celticbank.com | (PLP, SBAX, EE, EWCP) | ||
| Centennial Bank | 813-749-5348 | my100bank.com | (PLP, SBAX, EE, EWCP) | ||
| CenterStone SBA Lending | 213-805-5278 | teamcenterstone.com | (PLP) | ||
| JP Morgan Chase Bank | 941-315-0632 | chase.com | |||
| CRF Small Business Loan Company | 312-305-2058 | smallbusiness.crfusa.com | (PLP, SBAX) | ||
| Dogwood State Bank | 704-405-4876 | dogwoodstatesbl.com | (PLP, SBAX) | ||
| Farmers State Bank | 812-589-2018 | farmersstatebank.com | (SBAX) | ||
| First National Bank of Coffee County (FNBCC) | 904-200-0302 | fnbcc.com | (PLP, SBAX, EE) | ||
| Fifth Third Bank | 303-717-8912 | 53.com | (PLP, SBAX, EE, EWCP) | ||
| 1st Financial Bank USA | 212-466-3785 | 1fbusa.com | (PLP, SBAX) | ||
| First Horizon Bank | 865-977-5140 | firsthorizon.com | (PLP, SBAX, EE) | ||
| First Internet Bank of Indiana | 317-532-7900 | firstib.com | (PLP, SBAX) | ||
| Florida Business Development Corporation | 904-343-0771 | fbdc.net | (ALP, PCLP, Community Advantage SBLC) | ||
| Florida First Capital Finance Corporation | 850-681-3601 | ffcfc.com | (ALP, Community Advantage SBLC) | ||
| FWBank | 312-690-4522 | firstwomens.bank | (PLP) | ||
| Fund-Ex Solutions Group | 865-977-5140 | fundexsolutions.com | (PLP) | ||
| GBank | 702-851-4500 | g.bank | (PLP, SBAX, EE) | ||
| Georgia Banking Company | 332-219-2423 | georgiabanking.com | (PLP, SBAX, EE, EWCP) | ||
| Grand River Bank | 616-929-1616 | grandriverbank.com | (SBAX) | ||
| Grasshopper Bank | 847-477-7546 | grasshopper.bank | (PLP) | ||
| Hanmi Bank | 213-427-5657 | hanmi.com | (PLP, SBAX, EE, EWCP) | ||
| The Huntington National Bank | 614-480-8300 | huntington.com | (PLP, SBAX, EE) | ||
| Independent Development Services Corporation | 239-652-5588 | idscorp.org | (ALP, PCLP) | ||
| KeyBank, NA | 216-689-3000 | key.com | (PLP, SBAX, EE, EWCP) | ||
| LCA Bank Corporation | 800-800-8098 | leasecorp.com | |||
| Lake Michigan Credit Union | 727-432-0428 | lmcu.org | |||
| LendingClub Bank, NA | 407-483-5045 | lendingclub.com | (PLP, SBAX, EE) | ||
| Lendistry SBLC, Inc. | 714-869-6220 | lendistry.com | (PLP) | ||
| LiftFund | 205-206-5446 | liftfund.com | (Statewide Microlender, ALP, Community Advantage SBLC) | ||
| Live Oak Bank | 904-302-4957 | liveoakbank.com | (PLP, SBAX, EE, EWCP) | ||
| Metro City Bank | 770-455-4977 | metrocitybank.bank | (PLP, SBAX, EE, EWCP) | ||
| Midwest Regional Bank | 636-937-5351 | mwrbank.com | (PLP, EWCP) | ||
| Neighborhood Lending Partners | 813-879-4525 | nlp-inc.com | (Community Advantage SBLC) | ||
| Newtek Small Business Finance | 212-356-9510 | newtekone.com | (PLP, SBAX, EE, EWCP) | ||
| North State Bank | 919-278-2395 | northstatebank.com | (PLP, SBAX) | ||
| PNC Bank, NA | 216-222-5925 | pnc.com | (PLP, SBAX, EE, EWCP) | ||
| Pacific Premier Bank | 714-431-4000 | ppbi.com | (PLP, SBAX, EE, EWCP) | ||
| Paragon Bank | 470-225-5508 | bankparagon.com | (PLP, SBAX, EE) | ||
| Patriot Bank, NA | 401-528-2011 | patriot-bank.com | |||
| Pineland Bank | 912-632-8631 | pineland.bank | (PLP, SBAX) | ||
| Readycap Lending, LLC | 973-577-4676 | readycapital.com | (PLP, SBAX) | ||
| Simmons Bank | 281-252-8060 | simmonsbank.com | (PLP, SBAX, EE, EWCP, SAB Caplines) | ||
| Southern States Bank | 404-272-1478 | southernstatesbank.net | (PLP, SBAX) | ||
| Stearns Bank NA | 844-256-2265 | stearnsbank.com | (PLP, SBAX, EE, EWCP) | ||
| Sunshine State Economic Development Corporation (SEDCO) | 727-895-2504 | sedco504.com | (ALP, PCLP, Community Advantage SBLC) | ||
| Trustmark National Bank | 850-784-2308 | trustmark.com | (PLP, SBAX, EE, EWCP) | ||
| U.S. Bank, NA | 612-492-8321 | usbank.com | (PLP, SBAX, EE, EWCP) | ||
| United Bank | 251-943-2026 | unitedbank.com | |||
| United Midwest Savings Bank | 850-249-6888 | umwsb.com | (PLP, SBAX, EE) | ||
| VelocitySBA. LLC | 863-604-6780 | velocitysba.com | (PLP) | ||
| Zions Bank | 801-524-2330 | zionsbank.com | (PLP, SBAX, EE, EWCP, SAB Caplines) |
Abbreviations:
- PLP: Preferred Lender
- SBAX: SBA Express Lender
- EE: Export Express
- EWCP: Export Working Capital Lender and SAB – Caplines
- ALP: Accredited Lenders Program
- PCLP: Premier Certified Lenders Program, Community Advantage
- SBLC: Small Business Lending Company
Frequently Asked Questions
Q: What are SBA loans and how do they work in Florida?
A: SBA loans are government-backed loans provided through approved lenders in Florida. The Small Business Administration guarantees a portion of the loan, reducing risk for lenders and allowing them to offer more favorable terms to Florida small businesses. The lender provides the funds while the SBA guarantees repayment up to a certain percentage, typically 75-85% depending on the program. This structure enables Florida entrepreneurs to access capital with lower down payments, longer repayment terms, and competitive interest rates compared to conventional business loans.
Q: What types of SBA loans are available to Florida businesses?
A: Florida businesses can access various SBA loan programs including:
- SBA 7(a) loans: The most common program for general business purposes with loans up to $5 million
- SBA 504 loans: For major fixed asset purchases like real estate or equipment
- SBA Microloans: Smaller loans up to $50,000 for startups and smaller businesses
- SBA Express loans: Faster approval process with loans up to $500,000
- SBA Disaster loans: Special assistance for businesses affected by declared disasters
Q: What are the minimum requirements to qualify for an SBA loan in Florida?
A: To qualify for an SBA loan in Florida, businesses typically need:
- For-profit operation based in Florida
- Owner-occupied (not primarily for investment)
- Good personal credit (typically 650+ FICO score)
- Sufficient cash flow to support loan payments
- No recent bankruptcies, foreclosures, or defaults on government loans
- Reasonable owner equity investment (typically 10-30% depending on the program)
- Operating history of at least 2 years (though some lenders work with startups)
Q: How do Florida SBA lenders support businesses in hurricane-prone areas?
A: Florida’s vulnerability to hurricanes has created specialized SBA lending expertise for disaster preparedness and recovery. Several Florida lenders offer enhanced terms for resilience improvements through SBA programs, financing hurricane shutters, impact windows, roof reinforcement, and backup power systems. These lenders often coordinate with the Florida Division of Emergency Management and local mitigation programs to create comprehensive financing packages. Following storm events, many Florida SBA lenders provide bridge loans and modified payment terms while businesses await SBA Disaster Loan disbursements. Some lenders have developed expertise in financing innovative resilience solutions like microgrids, flood barriers, and climate-adaptive construction.
Q: Are there special SBA loan programs for Florida’s tourism and hospitality businesses?
A: Yes, Florida’s tourism-driven economy has led to robust support for hospitality entrepreneurs. Several Florida SBA lenders offer industry-specific loan packages designed for the unique needs of hotels, restaurants, attractions, and tour operators. These lenders understand the seasonal cash flow patterns common in Florida tourism and can structure loans with flexible payment schedules aligned with high and shoulder seasons. Some Florida lenders have developed expertise working with vacation rental properties, marina operations, and eco-tourism businesses, offering tailored financing solutions that address the unique challenges of these specialized segments within Florida’s visitor economy.
Q: How do Florida SBA lenders help international businesses and exporters?
A: Florida’s position as a gateway to Latin America and the Caribbean has created specialized lending expertise for international businesses. Several Florida lenders participate in the SBA’s Export Working Capital Program and International Trade Loan Program, offering enhanced terms for businesses engaged in cross-border commerce. These lenders often coordinate with Enterprise Florida and the U.S. Commercial Service to provide comprehensive support. Many Florida SBA lenders offer multilingual services and understand the unique needs of immigrant entrepreneurs establishing U.S. operations. Some lenders have developed expertise in financing logistics operations, trading companies, and businesses that facilitate international commerce through Florida’s ports and airports.
Q: Can agricultural and food production businesses in Florida access specialized SBA financing?
A: Yes, Florida’s diverse agricultural sector benefits from specialized SBA lending expertise. While the SBA doesn’t directly fund primary agricultural production, Florida SBA lenders support value-added agricultural businesses, food processors, farm-to-table restaurants, and agritourism operations. These lenders understand the unique challenges of Florida agriculture, including seasonal harvests, weather vulnerabilities, and water management issues. Several Florida lenders coordinate with the Florida Department of Agriculture and Fresh From Florida program to provide comprehensive support for food entrepreneurs. Some lenders have developed expertise in financing innovative agricultural technologies like controlled environment agriculture, precision farming systems, and sustainable water management solutions increasingly important to Florida’s food production future.
Q: How do Florida SBA lenders support businesses in the space and aerospace industry?
A: Florida’s growing space coast economy has influenced local SBA lending practices. Several Florida lenders have dedicated aerospace divisions that understand the unique capital needs of launch support services, satellite manufacturers, and space technology companies. These lenders often coordinate with Space Florida and the Florida High Tech Corridor to provide comprehensive support. While prime contractors typically access larger corporate financing, SBA loans have become valuable tools for the growing ecosystem of smaller aerospace suppliers and service providers supporting Florida’s commercial space boom. Some Florida SBA lenders have developed expertise in financing specialized equipment, clean room facilities, and the unique working capital needs of businesses operating within the aerospace supply chain.
Q: Are there specialized SBA loan programs for Florida’s healthcare and senior services businesses?
A: Yes, Florida’s large retiree population has created robust lending support for healthcare and senior services. Several Florida SBA lenders offer specialized loan packages for medical practices, assisted living facilities, home healthcare agencies, and medical equipment providers. These lenders understand healthcare reimbursement models and can structure loans to accommodate the cash flow patterns typical in this sector. The SBA 504 program is particularly popular for medical office buildings and specialized care facilities. Some Florida lenders have developed expertise in financing innovative healthcare delivery models like telemedicine operations, mobile medical services, and technology-enabled senior care solutions increasingly important to serving Florida’s diverse population across urban and rural communities.
Q: What other resources are available for SBA loans?
A: Other resources provided by Bigger Bottom Line include:
Q: How do I get assistance in getting an SBA or other business loan?
A: Contact the experts! We can assist from advising which lenders to submit to all the way through to developing & submitting a complete business loan package and anything in between. Contact us now for a free evaluation.