Best SBA Lenders in Boynton Beach, FL (2026)
2025 FOIA data: top lenders, rates & industries for Boynton Beach SBA loans
SBA Loans in Boynton Beach, Florida
Looking for an SBA loan in Boynton Beach, Florida? Based on 2025 FOIA data, 40 SBA 7(a) loans were funded in Boynton Beach totaling $21.8M, supporting an estimated 451 jobs. With 22 active lenders competing for business in the Boynton Beach market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Boynton Beach is $545K at an average rate of 10.68%. The top lender in Boynton Beach is Paradise Bank, with the most-funded industry being Financial Transactions Processing, Reserve, and Clearinghouse Activiti. See all Florida SBA lenders for statewide rankings.
SBA Loans in Boynton Beach by Business Type
Whether you’re starting a new business in Boynton Beach, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 16% of SBA loans in Boynton Beach (5 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 10% (4 loans) — if you’re looking to buy a business in Boynton Beach, this is a proven use case for SBA financing. Existing businesses make up 64% and typically receive the most favorable terms.
Top SBA Lenders in Boynton Beach, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Boynton Beach businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Paradise Bank | $7.7M | 4 | 9.75% |
| 2 | Truist Bank | $3.1M | 1 | 8.67% |
| 3 | Capital One, National Association | $1.3M | 1 | 6.06% |
| 4 | First-Citizens Bank & Trust Company | $1.2M | 1 | 8.75% |
| 5 | Primis Bank | $1000K | 1 | 9.25% |
| 6 | Cadence Bank | $835K | 2 | 10.25% |
| 7 | Merchants Bank of Indiana | $834K | 1 | 9.25% |
| 8 | LendingClub Bank, National Association | $755K | 1 | 9.5% |
| 9 | Northeast Bank | $640K | 5 | 12.35% |
| 10 | GBank | $506K | 1 | 9.25% |
The top lenders in Boynton Beach have direct experience with local businesses and understand the Boynton Beach market — commercial real estate values, local industry dynamics, and regional economic conditions. Pay attention to the “Avg Rate” column, as rates vary significantly between lenders. A 0.5-1.0% rate difference on a $500K loan translates to $15,000-$30,000 in savings over the life of the loan.
Don’t limit your search to banks listed above — many national SBA lenders also fund loans in Boynton Beach and may offer better rates. An SBA loan broker like GoSBA gives you access to both local and national lenders with one application.
Get Matched with the Best SBA Lender in Boynton Beach
One 5-minute application. 22+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Boynton Beach
These are the industries that received the most SBA 7(a) funding in Boynton Beach in 2025. If your business is in one of these sectors, lenders are already familiar with your business model and may offer faster approvals:
| Industry | Loans | Volume |
|---|---|---|
| Financial Transactions Processing, Reserve, and Clearinghouse Activiti | 3 | $7.0M |
| Full-Service Restaurants | 2 | $3.2M |
| Residential Mental Health and Substance Abuse Facilities | 1 | $1.3M |
| Offices of Physicians (except Mental Health Specialists) | 1 | $1000K |
| Snack and Nonalcoholic Beverage Bars | 2 | $978K |
| Other Building Finishing Contractors | 1 | $834K |
| General Automotive Repair | 1 | $755K |
| Home Furnishing Merchant Wholesalers | 1 | $680K |
| Electrical Contractors | 3 | $549K |
| Advertising Agencies | 1 | $500K |
Lenders with experience funding your specific industry in Boynton Beach understand the local competitive landscape, typical revenue ranges, and seasonal patterns. This familiarity often translates to faster underwriting and more competitive terms. If your industry doesn’t appear above, SBA loans are available for nearly every legal business type — an SBA broker can match you with lenders who specialize in your sector.
How to Get an SBA Loan in Boynton Beach
Option 1: Apply directly to one of the top Boynton Beach lenders listed above. You’ll receive a single quote from one bank.
Option 2: Use an SBA loan broker (recommended). GoSBA Loans submits your application to multiple Boynton Beach-active lenders and national SBA lenders simultaneously. More offers means better rates, faster approvals, and zero cost to you — lenders pay the broker fee.
Frequently Asked Questions
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
