Best SBA Lenders in Ormond Beach, FL (2026)
2025 FOIA data: top lenders, rates & industries for Ormond Beach SBA loans
SBA Loans in Ormond Beach, Florida
Looking for an SBA loan in Ormond Beach, Florida? Based on 2025 FOIA data, 13 SBA 7(a) loans were funded in Ormond Beach totaling $14.9M, supporting an estimated 158 jobs. With 11 active lenders competing for business in the Ormond Beach market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Ormond Beach is $1.1M at an average rate of 10.31%. The top lender in Ormond Beach is Embassy National Bank, with the most-funded industry being Hotels (except Casino Hotels) and Motels. See all Florida SBA lenders for statewide rankings.
SBA Loans in Ormond Beach by Business Type
Whether you’re starting a new business in Ormond Beach, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 7% of SBA loans in Ormond Beach (3 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 31% (3 loans) — if you’re looking to buy a business in Ormond Beach, this is a proven use case for SBA financing. Existing businesses make up 56% and typically receive the most favorable terms.
Top SBA Lenders in Ormond Beach, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Ormond Beach businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Embassy National Bank | $5.0M | 1 | 8.75% |
| 2 | First Internet Bank of Indiana | $3.0M | 2 | 10.75% |
| 3 | CalPrivate Bank | $2.7M | 1 | 10.5% |
| 4 | Community Bank & Trust-West Georgia | $1.6M | 1 | 9.75% |
| 5 | ConnectOne Bank | $710K | 1 | 9.75% |
| 6 | Climate First Bank | $627K | 1 | 10.25% |
| 7 | Bank of America, National Association | $400K | 1 | 7.03% |
| 8 | Newtek Bank, National Association | $375K | 2 | 11% |
| 9 | United Midwest Savings Bank National Association | $278K | 1 | 10.25% |
| 10 | First Commonwealth Bank | $251K | 1 | 10% |
The top lenders in Ormond Beach have direct experience with local businesses and understand the Ormond 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 Ormond 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 Ormond Beach
One 5-minute application. 11+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Ormond Beach
These are the industries that received the most SBA 7(a) funding in Ormond 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 |
|---|---|---|
| Hotels (except Casino Hotels) and Motels | 2 | $5.2M |
| All Other Specialty Trade Contractors | 3 | $3.4M |
| Drywall and Insulation Contractors | 1 | $2.7M |
| Surveying and Mapping (except Geophysical) Services | 1 | $1.6M |
| Limited-Service Restaurants | 1 | $710K |
| Other Personal Care Services | 1 | $627K |
| Offices of Chiropractors | 1 | $278K |
| Beauty Salons | 1 | $251K |
| Full-Service Restaurants | 1 | $125K |
| Tile and Terrazzo Contractors | 1 | $15K |
Lenders with experience funding your specific industry in Ormond 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 Ormond Beach
Option 1: Apply directly to one of the top Ormond 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 Ormond 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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Can I get an SBA loan to start a business in Ormond Beach?
Who is the top SBA lender in Ormond Beach?
What is the average SBA loan rate in Ormond Beach?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
