Best SBA Lenders in Cape Coral, FL (2026)
2025 FOIA data: top lenders, rates & industries for Cape Coral SBA loans
SBA Loans in Cape Coral, Florida
Looking for an SBA loan in Cape Coral, Florida? Based on 2025 FOIA data, 57 SBA 7(a) loans were funded in Cape Coral totaling $23.6M, supporting an estimated 509 jobs. With 22 active lenders competing for business in the Cape Coral market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Cape Coral is $414K at an average rate of 10.69%. The top lender in Cape Coral is The Huntington National Bank, with the most-funded industry being All Other Miscellaneous Wood Product Manufacturing. See all Florida SBA lenders for statewide rankings.
SBA Loans in Cape Coral by Business Type
Whether you’re starting a new business in Cape Coral, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 23% of SBA loans in Cape Coral (11 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 30% (11 loans) — if you’re looking to buy a business in Cape Coral, this is a proven use case for SBA financing. Existing businesses make up 46% and typically receive the most favorable terms.
Top SBA Lenders in Cape Coral, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Cape Coral businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | The Huntington National Bank | $6.3M | 14 | 10.11% |
| 2 | Newtek Bank, National Association | $2.3M | 7 | 11.64% |
| 3 | Climate First Bank | $1.6M | 1 | 10.25% |
| 4 | First Bank of the Lake | $1.4M | 1 | 9.75% |
| 5 | JPMorgan Chase Bank, National Association | $1.4M | 5 | 11.43% |
| 6 | Bank of America, National Association | $1.4M | 2 | 8.64% |
| 7 | Live Oak Banking Company | $1.4M | 1 | 7.5% |
| 8 | Northeast Bank | $1.2M | 7 | 11.04% |
| 9 | Enterprise Bank & Trust | $1.2M | 1 | 10.5% |
| 10 | North State Bank | $788K | 1 | 9.75% |
The top lenders in Cape Coral have direct experience with local businesses and understand the Cape Coral 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 Cape Coral 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 Cape Coral
One 5-minute application. 22+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Cape Coral
These are the industries that received the most SBA 7(a) funding in Cape Coral 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 Miscellaneous Wood Product Manufacturing | 2 | $3.0M |
| Offices of Physicians (except Mental Health Specialists) | 2 | $2.4M |
| Other Personal Care Services | 1 | $1.6M |
| Homes for the Elderly | 1 | $1.2M |
| Limited-Service Restaurants | 2 | $1.1M |
| Plumbing, Heating, and Air-Conditioning Contractors | 2 | $996K |
| Offices of Dentists | 1 | $970K |
| Snack and Nonalcoholic Beverage Bars | 2 | $800K |
| Tax Preparation Services | 1 | $768K |
| Veterinary Services | 1 | $737K |
Lenders with experience funding your specific industry in Cape Coral 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 Cape Coral
Option 1: Apply directly to one of the top Cape Coral 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 Cape Coral-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.
