Best SBA Lenders in Palm Beach Gardens, FL (2026)
2025 FOIA data: top lenders, rates & industries for Palm Beach Gardens SBA loans
SBA Loans in Palm Beach Gardens, Florida
Looking for an SBA loan in Palm Beach Gardens, Florida? Based on 2025 FOIA data, 22 SBA 7(a) loans were funded in Palm Beach Gardens totaling $16.6M, supporting an estimated 136 jobs. With 14 active lenders competing for business in the Palm Beach Gardens market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Palm Beach Gardens is $755K at an average rate of 10.25%. The top lender in Palm Beach Gardens is Truliant FCU, with the most-funded industry being Interior Design Services. See all Florida SBA lenders for statewide rankings.
SBA Loans in Palm Beach Gardens by Business Type
Whether you’re starting a new business in Palm Beach Gardens, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 15% of SBA loans in Palm Beach Gardens (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 73% (5 loans) — if you’re looking to buy a business in Palm Beach Gardens, this is a proven use case for SBA financing. Existing businesses make up 8% and typically receive the most favorable terms.
Top SBA Lenders in Palm Beach Gardens, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Palm Beach Gardens businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Truliant FCU | $5.0M | 1 | 10.5% |
| 2 | Live Oak Banking Company | $5.0M | 2 | 8.5% |
| 3 | The Huntington National Bank | $1.3M | 5 | 10.1% |
| 4 | Locality Bank | $1.2M | 1 | 10.25% |
| 5 | United Midwest Savings Bank National Association | $994K | 1 | 10.75% |
| 6 | Newtek Bank, National Association | $660K | 3 | 10.33% |
| 7 | FWBank | $635K | 1 | 9.75% |
| 8 | Gulf Coast Bank and Trust Company | $554K | 1 | 9.75% |
| 9 | Renasant Bank | $400K | 1 | 10% |
| 10 | First-Citizens Bank & Trust Company | $350K | 1 | 10.25% |
The top lenders in Palm Beach Gardens have direct experience with local businesses and understand the Palm Beach Gardens 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 Palm Beach Gardens 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 Palm Beach Gardens
One 5-minute application. 14+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Palm Beach Gardens
These are the industries that received the most SBA 7(a) funding in Palm Beach Gardens 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 |
|---|---|---|
| Interior Design Services | 3 | $6.0M |
| Hardware Merchant Wholesalers | 1 | $5.0M |
| Fitness and Recreational Sports Centers | 5 | $1.3M |
| Nonresidential Property Managers | 1 | $1.2M |
| Other Personal Care Services | 2 | $785K |
| Home Health Care Services | 1 | $554K |
| Pet Care (except Veterinary) Services | 1 | $400K |
| Offices of Podiatrists | 1 | $350K |
| Residential Property Managers | 1 | $350K |
| All Other Specialty Trade Contractors | 1 | $250K |
Lenders with experience funding your specific industry in Palm Beach Gardens 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 Palm Beach Gardens
Option 1: Apply directly to one of the top Palm Beach Gardens 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 Palm Beach Gardens-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 Palm Beach Gardens?
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Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
