SBA Lenders in Florida
23 SBA-approved lenders headquartered in Florida (FL) plus 10 more that actively fund Florida borrowers. Tell us about your deal and we'll match you with the right capital source.
Who are the top SBA lenders in Florida?
PeerSense tracks 23 SBA-approved lenders headquartered in Florida (FL), plus 10 out-of-state lenders that actively fund Florida borrowers. Top by Florida-specific volume: Newtek Bank, National Association, SouthState Bank, National Association, BayFirst National Bank. Florida HQ lenders have collectively originated $17.2B in SBA volume.
, PeerSense Capital Advisory · Westfield IN · Updated October 1, 2026
Sources: SBA 7(a) & 504 Loan Data, FDIC BankFind
Top SBA Lenders Headquartered in Florida
Ranked by total SBA loan activity. Click any bank for the full profile, NAICS specialization, and franchise lending history.
| Lender | State | Activity | Profile |
|---|---|---|---|
| BayFirst National Bank | FL | High Volume | View Profile → |
| Newtek Bank, National Association | FL | High Volume | View Profile → |
| SouthState Bank, National Association | FL | High Volume | View Profile → |
| BankUnited, National Association | FL | High Volume | View Profile → |
| Seacoast National Bank | FL | High Volume | View Profile → |
| First Federal Bank | FL | Active | View Profile → |
| City National Bank of Florida | FL | Active | View Profile → |
| Banesco USA | FL | Active | View Profile → |
| Paradise Bank | FL | Active | View Profile → |
| Ocean Bank | FL | Active | View Profile → |
| iTHINK Financial CU | FL | Active | View Profile → |
| The Bank of Tampa | FL | Active | View Profile → |
| Cogent Bank | FL | Active | View Profile → |
| Florida Capital Bank, National Association | FL | Active | View Profile → |
| Innovations Financial Credit Union | FL | Active | View Profile → |
| IBERIABANK | FL | Active | View Profile → |
| Climate First Bank | FL | Active | View Profile → |
| Fund-Ex Solutions Group, LLC | FL | Active | View Profile → |
| CenterBank of Jacksonville, N.A. | FL | Active | View Profile → |
| Fountainhead SBF LLC | FL | Specialized | View Profile → |
BayFirst National Bank
FLNewtek Bank, National Association
FLSouthState Bank, National Association
FLBankUnited, National Association
FLSeacoast National Bank
FLFirst Federal Bank
FLCity National Bank of Florida
FLBanesco USA
FLParadise Bank
FLOcean Bank
FLiTHINK Financial CU
FLThe Bank of Tampa
FLCogent Bank
FLFlorida Capital Bank, National Association
FLInnovations Financial Credit Union
FLIBERIABANK
FLClimate First Bank
FLFund-Ex Solutions Group, LLC
FLCenterBank of Jacksonville, N.A.
FLFountainhead SBF LLC
FLOut-of-State Lenders Actively Funding Florida Borrowers
National banks and multi-state regionals frequently fund Florida deals at competitive rates, often with faster underwriting than local-only banks. Ranked by Florida-specific SBA volume.
Ameris Bank
HQ GA · 161 FL loans · $112.7M FL volume
Cadence Bank
HQ MS · 101 FL loans · $87.4M FL volume
Comerica Bank
HQ TX · 189 FL loans · $82.1M FL volume
Celtic Bank Corporation
HQ UT · 123 FL loans · $78.6M FL volume
Citizens Bank
HQ TN · 122 FL loans · $75.4M FL volume
Bank Five Nine
HQ WI · 49 FL loans · $58.1M FL volume
Bank OZK
HQ AR · 75 FL loans · $52.9M FL volume
First Bank of the Lake
HQ MO · 108 FL loans · $52.2M FL volume
Bank of America, National Association
HQ NC · 274 FL loans · $45.1M FL volume
Fifth Third Bank
HQ OH · 74 FL loans · $36.2M FL volume
Looking for an SBA Lender in Florida?
PeerSense matches your deal with the right capital source from our network of 23+ Florida lenders and hundreds more nationwide. Referral fee established upfront and paid at closing.
SBA Lending in Florida
Florida is home to 23 SBA-approved lenders that have collectively originated $17.2B in SBA loan volume. These lenders serve businesses across the state through the SBA 7(a) and 504 loan programs, providing financing for acquisitions, commercial real estate, equipment, and working capital.
Whether you're acquiring a business in Florida, expanding an existing operation, or purchasing commercial property, SBA financing offers competitive terms with government-backed guarantees. PeerSense analyzes each lender's activity, deal preferences, and specializations to help you find the best fit.
How PeerSense Helps Florida Borrowers
We're a commercial lending advisory firm headquartered in Westfield, Indiana. We structure and place deals across SBA, CMBS, private credit, equipment financing, and more. Our team reviews your transaction, identifies the right capital sources, and makes warm introductions to lenders actively funding deals like yours. Most clients hear back from a PeerSense advisor after the file is on the desk.
Talk to PeerSense about SBA capital in Florida.
Tell us your loan amount and use of funds. PeerSense sources capital for a Florida deal, local or national.
SBA 7(a) / 504: The desk will reach out. No obligation.
Other Capital Programs for Florida Borrowers
PeerSense covers the full commercial capital stack for Florida operators, beyond SBA. Compare current rates and structures.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5–3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60–7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00–14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel is search only. Public floor $10 million and up. Cash in about 35 percent.
Private Credit
7.80–18.00%Non-bank flexibility. Public CRE floor $10 million and up.
DSCR Investor
SearchSearch path. Public CRE floor $10 million and up.
Indicative only, as of September 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
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