First Bank Liberty Tax SBA Loans in Florida — 3 Funded
Florida loan data 2018–2020 · Updated June 2026
First Bank has funded 3 SBA loans to Liberty Tax franchisees in Florida, totaling $2.6M in approved financing across 1 city.
The average Liberty Tax loan in Florida from First Bank is $859K at a 7.33% average interest rate, with terms averaging 85 months. The Florida default rate is 100% based on 2 resolved loans — 57.1 points higher than First Bank's national Liberty Tax default rate of 42.9%. Florida represents 17.6% of First Bank's total Liberty Tax lending nationally. These loans collectively support 41 Florida jobs. SBA-guaranteed portion totals $1.9M (75% of approved volume).
How Florida Compares to First Bank's National Liberty Tax Lending
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First Bank is one of 4+ lenders who have funded Liberty Tax in Florida. We can help you compare options and connect with lenders experienced in this brand and state — no retainers, referral fee at closing.
First Bank Liberty Tax Loan Performance in Florida
Based on 3 SBA loans originated by First Bank for Liberty Tax franchisees with Florida addresses, the Florida-specific lending relationship spans 2018–2020.
The Florida loan size range extends from $677K to $1.1M, indicating First Bank funds both smaller single-unit Liberty Tax operations and larger multi-unit or renovation projects in Florida. Each loan supports an average of 14 jobs in the local economy, and the portfolio collectively supports 41 Florida jobs. Most Florida Liberty Tax loans from First Bank are classified under "Tax Preparation Services" (NAICS).
Recent activity: First Bank has originated 0 Liberty Tax Florida loans in the last 2 fiscal years and 1 since fiscal year 2020. The most recent Liberty Tax Florida approval recorded is from FY2020. Note: lack of recent activity may indicate First Bank has paused, slowed, or exited Liberty Tax Florida lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of First Bank's Liberty Tax Florida loans averages 75% of approved volume, totaling $1.9M in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 100% Florida default rate is above the SBA portfolio average. This may reflect local market conditions, the specific Florida cities funded, or the economic cycle when these loans originated. Prospective borrowers should compare this to other Florida lenders who have funded Liberty Tax (shown below) and consider multiple options before committing.
SBA Programs Used for Liberty Tax Loans in Florida
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 3 | $859K | 7.33% | 85 mo |
Liberty Tax Loan Size Distribution from First Bank in Florida
How First Bank's Liberty Tax Florida loan sizes break down by deal size. Useful for sizing your own deal: where do most Florida Liberty Tax approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of Florida Loans |
|---|---|---|---|
| $350K-$750K | 1 | $677K | 33% |
| $750K-$1.5M | 2 | $950K | 67% |
How First Bank Originates Liberty Tax Loans in Florida
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. First Bank uses 1 different Florida delivery methods for Liberty Tax:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| Preferred Lenders Program | 3 | $859K |
Where in Florida First Bank Funds Liberty Tax Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Lakeland | 3 | $859K | $2.6M | 100% — High Risk |
First Bank Liberty Tax Lending in Florida Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2020 | 1 | $1.1M | $1.1M | 6% |
| 2019 | 2 | $743K | $1.5M | 8% |
Other Lenders That Fund Liberty Tax in Florida
First Bank is not the only lender funding Liberty Tax in Florida. Compare 3 other banks who have originated Liberty Tax SBA loans to Florida borrowers.
| Lender | Florida Loans | Avg Size | Default Rate |
|---|---|---|---|
| First Bank (this page) | 3 | $859K | 100% — High Risk |
| Bank of Hope | 2 | $159K | 50% — High Risk |
| BayFirst National Bank | 2 | $213K | 0% — Low Risk |
| Bravera Bank | 2 | $191K | 0% — Low Risk |
Other Franchises First Bank Funds in Florida
First Bank is active in Florida franchise lending beyond Liberty Tax. Other Florida franchise brands they have funded:
First Bank Liberty Tax Lending in Other States
First Bank has also funded Liberty Tax franchisees in 1 other states. View state-specific data:
How to Get an SBA Loan for a Liberty Tax Franchise in Florida
If you're considering a Liberty Tax franchise in Florida and want to finance through First Bank or another SBA lender, here's what you need to know based on our analysis of 3 historical Florida loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Liberty Tax's franchise fee and total investment determine minimum capital requirements.
Compare Florida Lenders
4 lenders have funded Liberty Tax in Florida. Lenders with more local Liberty Tax experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches Florida borrowers with lenders who have a proven track record funding Liberty Tax in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on Florida historical data: The average Liberty Tax SBA loan from First Bank in Florida is $859K with a 7.33% interest rate and a 85-month term.Florida loan amounts range from $677K to $1.1M.
Ready to Fund Your Liberty Tax Franchise in Florida?
We connect you with lenders who have already funded Liberty Tax in Florida — so you can compare terms and close with confidence. No retainers. Referral fee paid at closing.