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.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
199
2010–2026
Total Volume
$236M
Gross loan amounts
States Active
5
With recorded loans
Programs
504
198 total segments
Independent Development Services is a 504-only lender, focusing entirely on real estate financing, which distinguishes them from lenders that offer 7(a) loans. This specialization may benefit borrowers looking for tailored support in real estate projects.
With an average deal size of approximately $1.19 million, this lender is well-suited for borrowers seeking substantial financing, particularly in the $1M-$2M range, where they have completed 51 deals.
The lender has shown impressive growth, with a 60% increase in deals year-over-year, indicating a strong demand for their services and a potentially favorable environment for new borrowers.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 198 504 loans, which use fixed SBA debenture rates.
States where Independent Development Servic has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Restaurants & Food Service
Accommodation & Food Services
Hotels & Accommodation
Accommodation & Food Services
Manufacturing
Manufacturing
Auto Repair & Maintenance
Other Services
Physician & Dental Offices
Health Care & Social Assistance
Real Estate
Real Estate
Social Assistance
Health Care & Social Assistance
Specialty Trade Contractors
Construction
+ 7 more
All recorded SBA lending activity for Independent Development Servic, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| Florida · Restaurants & Food Service · $1M – $2M | 504 | 19 | — | $1.4M | Q3 2025 |
| Florida · Hotels & Accommodation · $2M – $5M | 504 | 13 | — | $3.3M | Q3 2025 |
| Florida · Restaurants & Food Service · $500K – $1M | 504 | 7 | — | $715K | Q2 2017 |
| Florida · Physician & Dental Offices · $150K – $350K | 504 | 5 | — | $261K | Q1 2022 |
| Florida · Hotels & Accommodation · $1M – $2M | 504 | 5 | — | $1.4M | Q2 2017 |
| Florida · Restaurants & Food Service · $350K – $500K | 504 | 4 | — | $383K | Q1 2016 |
| Florida · Real Estate · $1M – $2M | 504 | 4 | — | $1.4M | Q1 2021 |
| Florida · Auto Repair & Maintenance · $350K – $500K | 504 | 4 | — | $385K | Q4 2021 |
| Florida · Specialty Trade Contractors · $150K – $350K | 504 | 4 | — | $222K | Q3 2017 |
| Florida · Auto Repair & Maintenance · $150K – $350K | 504 | 4 | — | $200K | Q3 2020 |
| Florida · Manufacturing · $1M – $2M | 504 | 3 | — | $1.2M | Q3 2016 |
| Florida · Other Professional Services · $150K – $350K | 504 | 3 | — | $198K | Q2 2017 |
| Florida · Social Assistance · $350K – $500K | 504 | 3 | — | $426K | Q3 2012 |
| Florida · Legal Services · $150K – $350K | 504 | 3 | — | $188K | Q3 2014 |
| Florida · Auto Repair & Maintenance · $1M – $2M | 504 | 3 | — | $1.3M | Q4 2021 |
| Florida · Retail Trade · $1M – $2M | 504 | 3 | — | $1.0M | Q4 2015 |
| Florida · Wholesale Trade · $150K – $350K | 504 | 3 | — | $236K | Q4 2021 |
| Florida · Real Estate · $2M – $5M | 504 | 3 | — | $3.8M | Q3 2024 |
| Florida · Social Assistance · $500K – $1M | 504 | 3 | — | $748K | Q1 2016 |
| Florida · Manufacturing · $500K – $1M | 504 | 3 | — | $630K | Q1 2014 |
| Florida · Finance & Insurance · $150K – $350K | 504 | 2 | — | $230K | Q4 2019 |
| Florida · Specialty Trade Contractors · $350K – $500K | 504 | 2 | — | $447K | Q1 2020 |
| Florida · Building Construction · $150K – $350K | 504 | 2 | — | $265K | Q1 2020 |
| Florida · Auto Dealers & Parts · $150K – $350K | 504 | 2 | — | $336K | Q2 2010 |
| Florida · Auto Dealers & Parts · $500K – $1M | 504 | 2 | — | $624K | Q1 2015 |
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Real experiences from borrowers who closed SBA loans with Independent Development Servic.
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