Best SBA Lenders in Apopka, FL (2026)
2025 FOIA data: top lenders, rates & industries for Apopka SBA loans
SBA Loans in Apopka, Florida
Looking for an SBA loan in Apopka, Florida? Based on 2025 FOIA data, 32 SBA 7(a) loans were funded in Apopka totaling $16.4M, supporting an estimated 390 jobs. With 18 active lenders competing for business in the Apopka market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Apopka is $513K at an average rate of 10.42%. The top lender in Apopka is First National Bank of Pennsylvania, with the most-funded industry being All Other Specialty Trade Contractors. See all Florida SBA lenders for statewide rankings.
SBA Loans in Apopka by Business Type
Whether you’re starting a new business in Apopka, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 10% of SBA loans in Apopka (2 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 28% (4 loans) — if you’re looking to buy a business in Apopka, this is a proven use case for SBA financing. Existing businesses make up 39% and typically receive the most favorable terms.
Top SBA Lenders in Apopka, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Apopka businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | First National Bank of Pennsylvania | $2.8M | 1 | 8.85% |
| 2 | Climate First Bank | $2.7M | 2 | 10.25% |
| 3 | Newtek Bank, National Association | $2.2M | 3 | 10.5% |
| 4 | The Huntington National Bank | $1.5M | 2 | 9% |
| 5 | Byline Bank | $1.4M | 1 | 10% |
| 6 | Stearns Bank National Association | $995K | 1 | 9% |
| 7 | Readycap Lending, LLC | $734K | 3 | 11.58% |
| 8 | iTHINK Financial CU | $715K | 1 | 9.5% |
| 9 | Northeast Bank | $623K | 8 | 10.34% |
| 10 | First Internet Bank of Indiana | $578K | 1 | 10.25% |
The top lenders in Apopka have direct experience with local businesses and understand the Apopka 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 Apopka 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 Apopka
One 5-minute application. 18+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Apopka
These are the industries that received the most SBA 7(a) funding in Apopka 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 |
|---|---|---|
| All Other Specialty Trade Contractors | 3 | $5.5M |
| Gasket, Packing, and Sealing Device Manufacturing | 1 | $1.7M |
| Landscaping Services | 2 | $1.5M |
| Mattress Manufacturing | 1 | $1.4M |
| Full-Service Restaurants | 1 | $995K |
| Automotive Body, Paint, and Interior Repair and Maintenance | 1 | $715K |
| Limited-Service Restaurants | 1 | $578K |
| Commercial and Industrial Machinery and Equipment (except Automotive a | 1 | $500K |
| All Other Professional, Scientific, and Technical Services | 1 | $498K |
| Other Building Equipment Contractors | 1 | $350K |
Lenders with experience funding your specific industry in Apopka 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 Apopka
Option 1: Apply directly to one of the top Apopka 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 Apopka-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.
