GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
GOOD
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
236
2010–2024
Total Volume
$110M
Gross loan amounts
States Active
35
With recorded loans
Programs
7(a) & 504
236 total segments
Florida Capital Bank has a strong focus on existing businesses, with 54% of their deals supporting established companies. This could be beneficial if you're looking to expand or refinance an existing operation.
With an average 7(a) spread of P+2.62%, Florida Capital Bank offers competitive pricing compared to the national median of P+2.75%. This could save you money on interest over the life of your loan.
The lender's deal volume has decreased by 20% year-over-year, indicating a potential tightening in lending. This trend may make it more challenging to secure financing, so it's wise to apply sooner rather than later.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 11 504 loans, which use fixed SBA debenture rates.
Top 15 of 35 states where Florida Capital Bank, National Association has recorded SBA lending activity.
+ 10 more states
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Social Assistance
Health Care & Social Assistance
Administrative & Waste Services
Administrative & Waste Services
Other Health Practitioners
Health Care & Social Assistance
Manufacturing
Manufacturing
Retail Trade
Retail Trade
Wholesale Trade
Wholesale Trade
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Florida Capital Bank, National Association, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Social Assistance · $1M – $2M | 7(a) | 7 | P+2.75% | $1.6M | Q2 2016 |
| Florida · Other Health Practitioners · $150K – $350K | 7(a) | 7 | P+2.75% | $231K | Q2 2021 |
| Florida · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.75% | $251K | Q1 2019 |
| Florida · Social Assistance · $500K – $1M | 7(a) | 5 | P+2.50% | $731K | Q3 2017 |
| Florida · Other Repair & Services · $500K – $1M | 7(a) | 4 | P+2.50% | $604K | Q4 2019 |
| Florida · Restaurants & Food Service · $500K – $1M | 7(a) | 4 | P+2.38% | $823K | Q1 2020 |
| Florida · Retail Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $268K | Q3 2017 |
| Texas · Other Health Practitioners · $150K – $350K | 7(a) | 3 | P+2.75% | $254K | Q3 2019 |
| Georgia · Social Assistance · $1M – $2M | 7(a) | 3 | P+2.75% | $1.5M | Q2 2016 |
| Florida · Wholesale Trade · $150K – $350K | 7(a) | 3 | P+2.75% | $259K | Q1 2019 |
| Florida · Social Assistance · $150K – $350K | 7(a) | 2 | P+2.75% | $281K | Q3 2018 |
| Florida · Personal Care (Salons, Spas) · $150K – $350K | 7(a) | 2 | P+2.75% | $331K | Q1 2014 |
| Florida · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.75% | $208K | Q4 2018 |
| Florida · Social Assistance · $350K – $500K | 7(a) | 2 | P+2.75% | $422K | Q1 2016 |
| Texas · Education · $150K – $350K | 7(a) | 2 | P+2.50% | $229K | Q1 2018 |
| Texas · Social Assistance · $150K – $350K | 7(a) | 2 | P+2.63% | $333K | Q2 2018 |
| Florida · Education · $150K – $350K | 7(a) | 2 | P+2.75% | $281K | Q4 2015 |
| New Mexico · Auto Repair & Maintenance · $150K – $350K | 7(a) | 2 | P+2.75% | $174K | Q4 2018 |
| Connecticut · Manufacturing · $150K – $350K | 7(a) | 2 | P+2.63% | $325K | Q1 2018 |
| Virginia · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.75% | $180K | Q4 2018 |
| North Carolina · Building Construction · $150K – $350K | 7(a) | 2 | P+2.50% | $175K | Q3 2018 |
| California · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.75% | $176K | Q4 2018 |
| California · Arts, Entertainment & Recreation · $150K – $350K | 7(a) | 2 | P+2.63% | $235K | Q3 2019 |
| Pennsylvania · Administrative & Waste Services · $150K – $350K | 7(a) | 2 | P+2.75% | $186K | Q3 2018 |
| Florida · Restaurants & Food Service · $1M – $2M | 7(a) | 2 | P+2.38% | $1.5M | Q3 2021 |
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