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SBA 7(a) record
Cogent Bank: SBA 7(a) loans made
Cogent Bank, a bank based in Orlando, FL, made 93 SBA 7(a) loans in the 36 months ending September 30, 2026, $86.2M in all, net of cancelled approvals. The typical loan was about $680K, and 27 were in the last 12 months. Most were in Florida.
- Evidence
- SBA 7(a) loans in the 36 months ending September 30, 2026, SBA
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 9, 2026
- Loans, 36 months
- 93
- SBA FOIA,
- Net of cancelled approvals
- Dollars
- $86.2M
- SBA FOIA,
- Rounded amounts
- Typical loan
- $680K
- SBA FOIA,
- Largest loan
- $3.7M
- SBA FOIA,
- Rounded to 2 significant figures
- Last 12 months
- 27
- SBA FOIA,
Cite this
Source: The Lender Report, Cogent Bank: SBA 7(a) loans made, https://lender.report/lender/cogent-bank-fl/sba-7a/, 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 |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Florida | SBA 7(a), All Other Plastics Product Manufacturing | $1.4M | 8.5% | 10 yr | SBA FOIA | |
| Sep 2026 | Tennessee | SBA 7(a), Full-Service Restaurants | $1.2M | 8% | 25 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Snack and Nonalcoholic Beverage Bars | $630K | 8.75% | 11 yr | SBA FOIA | |
| Sep 2026 | Florida | SBA 7(a), Drinking Places (Alcoholic Beverages) | $620K | 8.75% | 26 yr | SBA FOIA | |
| Aug 2026 | Georgia | SBA 7(a), Cut Stone and Stone Product Manufacturing | $220K | 8.75% | 10 yr | SBA FOIA | |
| Jul 2026 | Florida | SBA 7(a), Other Personal Care Services | $2.7M | 7.75% | 26 yr | SBA FOIA | |
| Jun 2026 | Georgia | SBA 7(a), Veterinary Services | $1.8M | 8.75% | 15 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Limited-Service Restaurants | $860K | 9.5% | 10 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Insurance Agencies and Brokerages | $780K | 8.25% | 25 yr | SBA FOIA | |
| Jun 2026 | Florida | SBA 7(a), Remediation Services | $350K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Georgia | SBA 7(a), Cosmetics, Beauty Supplies, and Perfume Retailers | $1.2M | 8.5% | 25 yr | SBA FOIA | |
| Apr 2026 | Alabama | SBA 7(a), Gasoline Stations with Convenience Stores | $990K | 8.5% | 25 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), Transportation and Warehousing | $450K | 9.5% | 10 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Full-Service Restaurants | $800K | 8.5% | 25 yr | SBA FOIA | |
| Mar 2026 | Florida | SBA 7(a), Other Personal Care Services | $430K | 8.5% | 25 yr | SBA FOIA | |
| Feb 2026 | Florida | SBA 7(a), Residential Property Managers | $300K | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Georgia | SBA 7(a), General Line Grocery Merchant Wholesalers | $3M | 9.75% | 10 yr | SBA FOIA | |
| Jan 2026 | Georgia | SBA 7(a), Retail Trade | $1.7M | 8% | 25 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), All Other Amusement and Recreation Industries | $630K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Architectural Services | $550K | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | Georgia | SBA 7(a), Child Care Services | $500K | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Remediation Services | $460K | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Florida | SBA 7(a), Full-Service Restaurants | $350K | 9.75% | 25 yr | SBA FOIA | |
| Dec 2025 | Florida | SBA 7(a), Sporting and Recreational Goods and Supplies Merchant Wholesalers | $910K | 9.5% | 10 yr | SBA FOIA | |
| Dec 2025 | Florida | SBA 7(a), Industrial Machinery and Equipment Merchant Wholesalers | $750K | 8.75% | 25 yr | SBA FOIA | |
| 93 SBA 7(a) loans since October 2023, net of cancelled | $86.2M | SBA FOIA | |||||
A blank means the source did not report it.
| State | Loans | Dollars |
|---|---|---|
| Florida | 65 | $59.1M |
| Georgia | 18 | $18.5M |
| South Carolina | 3 | $2.57M |
| North Carolina | 2 | $860K |
| Alabama | 1 | $990K |
| Colorado | 1 | $980K |
| Missouri | 1 | $1.40M |
| Tennessee | 1 | $1.20M |
| Virginia | 1 | $660K |
SBA loans are on record by state only.
| Loan size | Loans | Dollars |
|---|---|---|
| Under $150K | 0 | $0 |
| $150K to $350K | 10 | $2.75M |
| $350K to $1M | 56 | $34.7M |
| $1M to $2.5M | 20 | $27.5M |
| $2.5M or more | 7 | $21.3M |
| Quarter | Loans | Dollars |
|---|---|---|
| 2023 Q4 | 11 | $6.06M |
| 2024 Q1 | 11 | $8.54M |
| 2024 Q2 | 5 | $2.83M |
| 2024 Q3 | 12 | $12.1M |
| 2024 Q4 | 3 | $3.10M |
| 2025 Q1 | 10 | $13.6M |
| 2025 Q2 | 6 | $8.52M |
| 2025 Q3 | 8 | $6.72M |
| 2025 Q4 | 4 | $2.83M |
| 2026 Q1 | 10 | $8.72M |
| 2026 Q2 | 7 | $6.43M |
| 2026 Q3 | 6 | $6.77M |
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.
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 |
|---|---|
| Preferred Lenders Program | 84 |
| 7a General | 5 |
| International Trade Loans | 4 |
- Cogent Bank made 93 SBA 7(a) loans totaling $86.2M in the 36 months ending September 30, 2026, net of cancelled approvals, in 9 states. SBA FOIA,
- 27 of them were in the 12 months to September 30, 2026, and 27 in the 12 months before. SBA FOIA,
- The typical loan was about $680K, with the middle half between $480K and $1.1M. SBA FOIA,
- The largest was about $3.7M. Every amount is rounded to 2 significant figures. SBA FOIA,
- 0 loans were under $150K, and 27 were $1M or more. SBA FOIA,
- The SBA file shows a median initial rate of 10.00% on 93 loans, with the middle half between 9.25% and 11.00%. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Its loans went most often to Snack and Nonalcoholic Beverage Bars, with 10. SBA FOIA,
- The SBA file lists 84 of its loans as processed under Preferred Lenders Program. SBA FOIA,
- Its loans were most often in Florida (65), Georgia (18) and South Carolina (3). SBA FOIA,
What we don't know
- Whether Cogent Bank is taking new SBA 7(a) 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.
Loans are SBA approvals, net of cancelled approvals.
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.