Unverified listing What this means
The Lender Report built this page from public records. Cogent Bank has not reviewed it. Every lender's page starts this way, and it says nothing about Cogent Bank itself. Each figure shows its source and date. Work at Cogent Bank? You can claim this page for free.
SBA 504 record
Cogent Bank: SBA 504 first liens made
Cogent Bank, a bank based in Orlando, FL, made 13 SBA 504 first liens in the 36 months ending September 30, 2026, $34.7M in all, net of cancelled approvals. The typical first lien was about $1.8M, and 5 were in the last 12 months. Most were in Florida.
- Evidence
- SBA 504 loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 11, 2026
- First liens, 36 months
- 13
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $34.7M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $1.8M
- SBA FOIA,
- Largest loan
- $6.7M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 5
- SBA FOIA,
Cite this
Source: The Lender Report, Cogent Bank: SBA 504 first liens made, https://lender.report/lender/cogent-bank-fl/sba-504/, data as of September 30, 2026.
The loans, newest first
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Nov 2025 | Georgia | SBA 504, Retail Trade | $1.8M | 25 yr | SBA FOIA | ||
| Aug 2025 | Florida | SBA 504, Veterinary Services | $380K | 25 yr | SBA FOIA | ||
| Jul 2025 | Florida | SBA 504, Hotels (except Casino Hotels) and Motels | $6.5M | 25 yr | SBA FOIA | ||
| Jul 2025 | Georgia | SBA 504, Gasoline Stations with Convenience Stores | $970K | 25 yr | SBA FOIA | ||
| May 2025 | Florida | SBA 504, Arts, Entertainment, and Recreation | $420K | 25 yr | SBA FOIA | ||
| Mar 2025 | Florida | SBA 504, General Automotive Repair | $2.1M | 25 yr | SBA FOIA | ||
| Jan 2025 | Florida | SBA 504, Hotels (except Casino Hotels) and Motels | $5.6M | 25 yr | SBA FOIA | ||
| Nov 2024 | Georgia | SBA 504, Hotels (except Casino Hotels) and Motels | $6.7M | 25 yr | SBA FOIA | ||
| Nov 2024 | Florida | SBA 504, Engineering Services | $970K | 25 yr | SBA FOIA | ||
| Feb 2024 | Georgia | SBA 504, Hotels (except Casino Hotels) and Motels | $4.2M | 25 yr | SBA FOIA | ||
| Feb 2024 | Georgia | SBA 504, Beer, Wine, and Liquor Retailers | $3M | 25 yr | SBA FOIA | ||
| Nov 2023 | Georgia | SBA 504, Child Care Services | $1.2M | 25 yr | SBA FOIA | ||
| Nov 2023 | Florida | SBA 504, Gasoline Stations with Convenience Stores | $870K | 25 yr | SBA FOIA | ||
| 13 SBA 504 first liens since October 2023, net of cancelled | $34.7M | SBA FOIA | |||||
A blank means the source did not report it.
| State | First liens | Dollars |
|---|---|---|
| Florida | 7 | $16.8M |
| Georgia | 6 | $17.9M |
SBA loans are on record by state only.
| Loan size | First liens | Dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 0 | $0 |
| $350K to $1M | 5 | $3.61M |
| $1M to $2.5M | 3 | $5.10M |
| $2.5M or more | 5 | $26.0M |
| Quarter | First liens | Dollars |
|---|---|---|
| 2023 Q4 | 2 | $2.07M |
| 2024 Q1 | 2 | $7.20M |
| 2024 Q4 | 2 | $7.67M |
| 2025 Q1 | 2 | $7.70M |
| 2025 Q2 | 1 | $420K |
| 2025 Q3 | 3 | $7.85M |
| 2025 Q4 | 1 | $1.80M |
Calendar quarters of the SBA approval date. The first and last may cover part of a quarter: the window is the 36 months ending September 30, 2026.
| Industry (NAICS) | First liens |
|---|---|
| Hotels (except Casino Hotels) and Motels (721110) | 4 |
| Gasoline Stations with Convenience Stores (457110) | 2 |
| Arts, Entertainment, and Recreation | 1 |
| Beer, Wine, and Liquor Retailers (445320) | 1 |
| Child Care Services (624410) | 1 |
| Engineering Services (541330) | 1 |
| General Automotive Repair (811111) | 1 |
| Retail Trade | 1 |
| Veterinary Services (541940) | 1 |
A 6-digit code is printed only where the SBA file holds 5 or more loans of the program in that state; the rest show as their 2-digit sector.
| Processing method | Loans |
|---|---|
| Accredited Lenders Program | 9 |
| ALP Express | 2 |
| 504 Basic | 1 |
| 504 Refinancing Program | 1 |
| Certified Development Company | Projects |
|---|---|
| Florida Business Development Corporation | 10 |
| Sunshine State Economic Development Corporation | 2 |
| Small Business Access Partners, Inc. | 1 |
- Cogent Bank made 13 SBA 504 first liens totaling $34.7M in the 36 months ending September 30, 2026, net of cancelled approvals, in 2 states. SBA FOIA,
- The SBA file shows 5 approvals naming Cogent Bank as first-lien lender dated in the 12 months to September 30, 2026, and 9 in the 12 months before. Both counts leave out cancelled approvals and include approvals not yet funded, so the two periods are measured the same way. SBA FOIA,
- The typical first lien was about $1.8M, with the middle half between $970K and $4.2M. SBA FOIA,
- The largest was about $6.7M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 0 loans were under $150K, and 8 were $1M or more. SBA FOIA,
- The median term was 25 years. SBA FOIA,
- Its loans went most often to Hotels (except Casino Hotels) and Motels, with 4. SBA FOIA,
- The SBA file lists 9 of its loans as processed under Accredited Lenders Program. SBA FOIA,
- It worked with 3 Certified Development Companies, most often Florida Business Development Corporation. SBA FOIA,
- Its loans were most often in Florida (7) and Georgia (6). SBA FOIA,
What we don't know
- Whether Cogent Bank is taking new SBA 504 loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and this page leaves out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
SBA loans are on record by state only. Amounts are rounded to 2 significant figures and dates to the month. A 6-digit industry code is printed only where the SBA file holds 5 or more loans of the program in that state.
SBA 504 figures count the first-lien lender on each SBA approval. Dollars are first-lien amounts.
SBA does not require you to use an agent or broker for a loan application. SBA has not reviewed or endorsed this site.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.