Best SBA Lenders in Delray Beach, FL (2026)
2025 FOIA data: top lenders, rates & industries for Delray Beach SBA loans
SBA Loans in Delray Beach, Florida
Looking for an SBA loan in Delray Beach, Florida? Based on 2025 FOIA data, 66 SBA 7(a) loans were funded in Delray Beach totaling $34.9M, supporting an estimated 589 jobs. With 29 active lenders competing for business in the Delray Beach market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Delray Beach is $529K at an average rate of 10.76%. The top lender in Delray Beach is Paradise Bank, with the most-funded industry being Full-Service Restaurants. See all Florida SBA lenders for statewide rankings.
SBA Loans in Delray Beach by Business Type
Whether you’re starting a new business in Delray Beach, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 18% of SBA loans in Delray Beach (13 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 18% (6 loans) — if you’re looking to buy a business in Delray Beach, this is a proven use case for SBA financing. Existing businesses make up 50% and typically receive the most favorable terms.
Top SBA Lenders in Delray Beach, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Delray 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 | $5.0M | 1 | 9.25% |
| 2 | First National Bank of Pennsylvania | $3.6M | 4 | 10.04% |
| 3 | Midwest Regional Bank | $2.9M | 1 | 10.25% |
| 4 | iTHINK Financial CU | $2.9M | 1 | 9.25% |
| 5 | Fifth Third Bank | $2.3M | 1 | 7% |
| 6 | Lendistry SBLC, LLC | $1.7M | 6 | 11.88% |
| 7 | Regions Bank | $1.6M | 1 | 9.15% |
| 8 | Citizens Bank, National Association | $1.5M | 2 | 10.07% |
| 9 | Truist Bank | $1.4M | 1 | 7.85% |
| 10 | Northeast Bank | $1.2M | 8 | 10.84% |
The top lenders in Delray Beach have direct experience with local businesses and understand the Delray 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 Delray 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 Delray Beach
One 5-minute application. 29+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Delray Beach
These are the industries that received the most SBA 7(a) funding in Delray 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 |
|---|---|---|
| Full-Service Restaurants | 5 | $6.8M |
| Roofing Contractors | 2 | $3.1M |
| All Other Miscellaneous Fabricated Metal Product Manufacturing | 1 | $2.9M |
| Veterinary Services | 1 | $2.3M |
| Landscaping Services | 1 | $1.7M |
| Child Day Care Services | 2 | $1.6M |
| Other Personal Care Services | 3 | $1.5M |
| Doll, Toy, and Game Manufacturing | 1 | $1.4M |
| General Medical and Surgical Hospitals | 1 | $1.2M |
| Offices of Dentists | 1 | $980K |
Lenders with experience funding your specific industry in Delray 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 Delray Beach
Option 1: Apply directly to one of the top Delray 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 Delray 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.
