SBA by industry · FL
SBA lenders for restaurants in Florida
162 lenders made 1,276 SBA loans to restaurants in Florida in the 36 months ending September 30, 2026. The Huntington National Bank made the most, with 148. The typical loan was about $410K.
- Evidence
- SBA 7(a) and 504 loans to restaurants in Florida, NAICS 722
- Data as of
- SBA, September 30, 2026
- Page last changed
- November 12, 2026
- Lenders on record
- 162
- SBA FOIA,
- SBA loans, 36 months
- 1,276
- SBA FOIA,
- 7(a) net of cancelled; 504 funded first liens
- Dollars, 36 months
- $809M
- SBA FOIA,
- Last 12 months
- 415
- SBA FOIA,
Cite this
Source: The Lender Report, SBA lenders for restaurants in Florida, https://lender.report/sba-lenders-for/restaurants/florida/, data as of September 30, 2026.
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| Lender | Kind | Based in | Loans | Dollars | 7(a) | 504 | Last 12 months |
|---|---|---|---|---|---|---|---|
| The Huntington National Bank SBA 7(a) record | Bank | Columbus, OH | 148 | $44.9M | 148 | 0 | 40 |
| Newtek Bank, National Association SBA 7(a) record | Bank | Miami, FL | 118 | $40.4M | 118 | 0 | 54 |
| Readycap Lending, LLC SBA 7(a) record | Non-bank | Berkeley Heights, NJ | 49 | $24.8M | 49 | 0 | 7 |
| TD Bank, National Association SBA 7(a) record | Bank | Wilmington, DE | 48 | $5.88M | 48 | 0 | 11 |
| Live Oak Banking Company SBA 7(a) record | Bank | Wilmington, NC | 43 | $44.7M | 43 | 0 | 17 |
| Northeast Bank SBA 7(a) record | Bank | Portland, ME | 36 | $6.15M | 36 | 0 | 16 |
| Valley National Bank SBA 7(a) record | Bank | Passaic, NJ | 31 | $33.3M | 28 | 3 | 9 |
| SouthState Bank, National Association SBA 7(a) record | Bank | Winter Haven, FL | 27 | $11.1M | 25 | 2 | 5 |
| Wells Fargo Bank, National Association SBA 7(a) record | Bank | Sioux Falls, SD | 27 | $10.7M | 26 | 1 | 8 |
| First Bank of the Lake SBA 7(a) record | Bank | Osage Beach, MO | 24 | $15.4M | 23 | 1 | 9 |
| Fifth Third Bank, National Association SBA 7(a) record | Bank | Cincinnati, OH | 24 | $13.7M | 23 | 1 | 12 |
| Celtic Bank SBA 7(a) record | Bank | Salt Lake City, UT | 22 | $14.5M | 22 | 0 | 4 |
| Cogent Bank SBA 7(a) record | Bank | Orlando, FL | 20 | $15.3M | 20 | 0 | 6 |
| Bank of America, National Association SBA 7(a) record | Bank | Charlotte, NC | 20 | $9.86M | 19 | 1 | 3 |
| Truist Bank SBA 7(a) record | Bank | Charlotte, NC | 19 | $33.8M | 15 | 4 | 4 |
| Hancock Whitney Bank SBA 7(a) record | Bank | Gulfport, MS | 19 | $9.48M | 19 | 0 | 5 |
| JPMorgan Chase Bank, National Association SBA 7(a) record | Bank | Columbus, OH | 19 | $4.64M | 18 | 1 | 4 |
| First Internet Bank of Indiana SBA 7(a) record | Bank | Fishers, IN | 18 | $23.2M | 18 | 0 | 2 |
| Citizens Bank SBA 7(a) record | Bank | Elizabethton, TN | 18 | $11.9M | 18 | 0 | 1 |
| Lendistry SBLC, LLC SBA 7(a) record | Non-bank | Los Angeles, CA | 18 | $3.12M | 18 | 0 | 5 |
| Bank Five Nine SBA 7(a) record | Bank | Oconomowoc, WI | 17 | $17.8M | 13 | 4 | 3 |
| First Federal Bank SBA 7(a) record | Savings | Lake City, FL | 16 | $16.8M | 13 | 3 | 6 |
| United Community Bank SBA 7(a) record | Bank | Greenville, SC | 14 | $14.1M | 14 | 0 | 7 |
| Colony Bank SBA 7(a) record | Bank | Fitzgerald, GA | 14 | $8.38M | 14 | 0 | 5 |
| Regions Bank SBA 7(a) record | Bank | Birmingham, AL | 13 | $9.50M | 9 | 4 | 4 |
Dollars are approval amounts, rounded to 2 significant figures per loan, net of cancelled approvals.
| Industry | Loans |
|---|---|
| Full-Service Restaurants | 530 |
| Limited-Service Restaurants | 402 |
| Snack and Nonalcoholic Beverage Bars | 216 |
| Caterers | 42 |
| Mobile Food Services | 33 |
| Drinking Places (Alcoholic Beverages) | 30 |
| Food Service Contractors | 14 |
| Cafeterias, Grill Buffets, and Buffets | 9 |
| Loan size | Loans |
|---|---|
| Under $150K | 290 |
| $150K to $350K | 240 |
| $350K to $1M | 500 |
| $1M to $2.5M | 186 |
| $2.5M or more | 54 |
- SBA lenders recorded 1,276 loans to restaurants totaling $808.7M in Florida in the 36 months ending September 30, 2026, excluding cancelled approvals. SBA FOIA,
- The typical loan was about $410K, with the middle half between $150K and $800K. SBA FOIA,
- 1,202 were SBA 7(a) loans and 68 were SBA 504 first liens. SBA FOIA,
- SBA 7(a) lenders reported a median initial rate of 10.25% on 1,202 loans. SBA FOIA,
- The median term was 10 years. SBA FOIA,
- Banks and savings institutions made 1,119 of the loans, credit unions 44, and non-banks 101. SBA FOIA,
- The five most active lenders made 31.8% of the loans. SBA FOIA,
- The three most active lenders were The Huntington National Bank with 148, Newtek Bank, National Association with 118, and Readycap Lending, LLC with 49. SBA FOIA,
- 290 of the loans were under $150K, and 240 were $1M or more. SBA FOIA,
- 12 of these loans were made by lenders that have since merged or closed, that the file lists under a name with no lender record here, or that the loan tape shows only at a broader industry level. They are counted in the totals here and appear in no lender's row. SBA FOIA,
- The SBA file shows 415 approvals of these loans dated in the 12 months to September 30, 2026, versus 476 in the 12 months before. Both counts leave out cancelled approvals and include 504 approvals not yet funded. SBA FOIA,
- 33 of the 162 lenders are based in Florida. The rest are based elsewhere, most often in Georgia, California and North Carolina. SBA FOIA,
- The most common detailed industry in Florida was Full-Service Restaurants, with 530 loans. SBA FOIA,
How this list is defined
- Measure
- SBA loans made to restaurants in Florida
- Period
- October 2023 to September 2026
- Formula
- Count, by lender, of SBA 7(a) approvals and SBA 504 first liens located in Florida, dated in the 36 months ending September 30, 2026 and not cancelled, whose NAICS code in the SBA file falls in NAICS 722.
- Order
- Largest first by loans in the state, then dollars, then name. Payment is not part of the order.
- As of
- September 30, 2026
- Source
- SBA FOIA
- Changelog
- : First published, with the data built on this date.
What we don't know
- Whether any of these lenders is taking new SBA loans today, or how it would treat a business like yours.
- Loans that were never completed. The SBA file lists approvals, and these pages leave out the ones it marks cancelled.
- The borrower, the address and every term beyond rate and term. The public file does not show them.
Every loan counted here carried one of these NAICS codes in the SBA file, and the state of the loan is the state of the business. Loans are approvals, net of cancelled approvals. Lenders that merged or stopped filing are left out.
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.