Best SBA Lenders in Port Saint Lucie, FL (2026)
2025 FOIA data: top lenders, rates & industries for Port Saint Lucie SBA loans
SBA Loans in Port Saint Lucie, Florida
Looking for an SBA loan in Port Saint Lucie, Florida? Based on 2025 FOIA data, 48 SBA 7(a) loans were funded in Port Saint Lucie totaling $18.3M, supporting an estimated 480 jobs. With 26 active lenders competing for business in the Port Saint Lucie market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Port Saint Lucie is $382K at an average rate of 10.56%. The top lender in Port Saint Lucie is Celtic Bank Corporation, with the most-funded industry being Child Day Care Services. See all Florida SBA lenders for statewide rankings.
SBA Loans in Port Saint Lucie by Business Type
Whether you’re starting a new business in Port Saint Lucie, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 24% of SBA loans in Port Saint Lucie (7 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 15% (5 loans) — if you’re looking to buy a business in Port Saint Lucie, 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 Port Saint Lucie, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Port Saint Lucie businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Celtic Bank Corporation | $2.0M | 1 | 10.25% |
| 2 | Enterprise Bank & Trust | $1.7M | 1 | 7% |
| 3 | First Internet Bank of Indiana | $1.7M | 2 | 10% |
| 4 | Cadence Bank | $1.4M | 2 | 10.25% |
| 5 | Midwest Regional Bank | $1.3M | 2 | 10.22% |
| 6 | Wells Fargo Bank National Association | $953K | 4 | 11.19% |
| 7 | First Bank of the Lake | $940K | 3 | 11.08% |
| 8 | Bank of America, National Association | $870K | 3 | 6.23% |
| 9 | Dogwood State Bank | $848K | 2 | 9.5% |
| 10 | iTHINK Financial CU | $750K | 1 | 10.5% |
The top lenders in Port Saint Lucie have direct experience with local businesses and understand the Port Saint Lucie 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 Port Saint Lucie 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 Port Saint Lucie
One 5-minute application. 26+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Port Saint Lucie
These are the industries that received the most SBA 7(a) funding in Port Saint Lucie 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 |
|---|---|---|
| Child Day Care Services | 5 | $3.3M |
| Plumbing, Heating, and Air-Conditioning Contractors | 3 | $3.0M |
| Full-Service Restaurants | 3 | $3.0M |
| Limited-Service Restaurants | 1 | $908K |
| Engineering Services | 2 | $735K |
| Homes for the Elderly | 1 | $715K |
| Offices of Mental Health Practitioners (except Physicians) | 1 | $659K |
| All Other Amusement and Recreation Industries | 1 | $530K |
| General Line Grocery Merchant Wholesalers | 1 | $500K |
| Other Accounting Services | 1 | $500K |
Lenders with experience funding your specific industry in Port Saint Lucie 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 Port Saint Lucie
Option 1: Apply directly to one of the top Port Saint Lucie 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 Port Saint Lucie-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.
