Best SBA Lenders in Saint Augustine, FL (2026)
2025 FOIA data: top lenders, rates & industries for Saint Augustine SBA loans
SBA Loans in Saint Augustine, Florida
Looking for an SBA loan in Saint Augustine, Florida? Based on 2025 FOIA data, 47 SBA 7(a) loans were funded in Saint Augustine totaling $24.6M, supporting an estimated 529 jobs. With 23 active lenders competing for business in the Saint Augustine market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Saint Augustine is $523K at an average rate of 10.24%. The top lender in Saint Augustine is Live Oak Banking Company, with the most-funded industry being Veterinary Services. See all Florida SBA lenders for statewide rankings.
SBA Loans in Saint Augustine by Business Type
Whether you’re starting a new business in Saint Augustine, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 58% of SBA loans in Saint Augustine (16 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 1% (1 loans) — if you’re looking to buy a business in Saint Augustine, this is a proven use case for SBA financing. Existing businesses make up 32% and typically receive the most favorable terms.
Top SBA Lenders in Saint Augustine, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Saint Augustine businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Live Oak Banking Company | $10.1M | 3 | 8.78% |
| 2 | The Huntington National Bank | $2.4M | 8 | 10.28% |
| 3 | Bank of America, National Association | $2.2M | 3 | 5.81% |
| 4 | First Savings Bank | $1.5M | 1 | 10.25% |
| 5 | United Midwest Savings Bank National Association | $1.0M | 3 | 10.33% |
| 6 | Wells Fargo Bank National Association | $1.0M | 4 | 11.66% |
| 7 | Northeast Bank | $900K | 3 | 10.42% |
| 8 | Midwest Regional Bank | $781K | 2 | 10.25% |
| 9 | JPMorgan Chase Bank, National Association | $510K | 2 | 11.5% |
| 10 | Pinnacle Bank | $500K | 2 | 9.5% |
The top lenders in Saint Augustine have direct experience with local businesses and understand the Saint Augustine 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 Saint Augustine 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 Saint Augustine
One 5-minute application. 23+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Saint Augustine
These are the industries that received the most SBA 7(a) funding in Saint Augustine 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 |
|---|---|---|
| Veterinary Services | 2 | $5.1M |
| Child Day Care Services | 1 | $5.0M |
| Full-Service Restaurants | 3 | $2.6M |
| Snack and Nonalcoholic Beverage Bars | 1 | $1.5M |
| Private Mail Centers | 1 | $968K |
| Engineering Services | 1 | $935K |
| Residential Remodelers | 1 | $728K |
| Limited-Service Restaurants | 2 | $698K |
| Offices of Chiropractors | 3 | $655K |
| Sports and Recreation Instruction | 2 | $500K |
Lenders with experience funding your specific industry in Saint Augustine 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 Saint Augustine
Option 1: Apply directly to one of the top Saint Augustine 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 Saint Augustine-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.
