SBA lending data · fiscal year 2025

70 lenders funded full-service restaurants in Florida last year

231 SBA 7(a) loans approved under NAICS 722511. Median approval $350,000, median term 120 months, median initial rate 10.25%.

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What was actually approved

231
loans approved
70
distinct lenders
$103k
25th percentile
$765k
75th percentile

Half of all approvals in this industry and state fell between $102,500 and $764,500. A request well outside that band is not impossible — it draws more scrutiny on collateral and management experience.

The most active lenders

Ranked by how many loans each actually approved in this industry and state — not by advertising spend. A lender that has written twenty of these already knows the questions to ask.

  1. 1Newtek Bank, National Association33 loans · $16.9M
  2. 2Northeast Bank22 loans · $3.4M
  3. 3Readycap Lending, LLC15 loans · $13.7M
  4. 4The Huntington National Bank14 loans · $6.2M
  5. 5TD Bank, National Association13 loans · $1M
  6. 6Bank of America, National Association8 loans · $3M
  7. 7Lendistry SBLC, LLC7 loans · $1.2M
  8. 8Celtic Bank Corporation7 loans · $6.3M
  9. 9Truist Bank6 loans · $8.7M
  10. 10Wells Fargo Bank National Association5 loans · $0.7M
  11. 11First Internet Bank of Indiana5 loans · $2.3M
  12. 12Fifth Third Bank4 loans · $1.4M

This list is not a recommendation and these lenders have no relationship with this site. It reports approvals recorded in U.S. Small Business Administration, FOIA 7(a) and 504 loan approval data (data.sba.gov), fiscal year 2025, as of 2026-06-30.

Is this industry getting easier or harder to finance?

Fiscal yearLoansLendersMedian approval
FY202319365$450,000
FY202421958$405,000
FY202523170$350,000

Only completed fiscal years are shown. The SBA fiscal year ends 30 September; a partial year compared against full ones makes any industry look like it is closing.

Where this comes from

The SBA publishes every approved 7(a) and 504 loan under FOIA: the lender, the borrower's state, the industry code, the amount, the term and the initial rate. We indexed 4 fiscal years of it, alongside Census and BLS data. Figures on this page are as published on 2026-06-30.

This page reports approvals. It says nothing about how many applications were declined, and it is not a prediction about yours. This site is not affiliated with, endorsed by, or approved by the U.S. Small Business Administration.

Other industries in Florida

Full-Service Restaurants in other states

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