Best SBA Lenders in Stuart, FL (2026)
2025 FOIA data: top lenders, rates & industries for Stuart SBA loans
SBA Loans in Stuart, Florida
Looking for an SBA loan in Stuart, Florida? Based on 2025 FOIA data, 40 SBA 7(a) loans were funded in Stuart totaling $25.9M, supporting an estimated 277 jobs. With 21 active lenders competing for business in the Stuart market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Stuart is $648K at an average rate of 10.26%. The top lender in Stuart is Readycap Lending, LLC, with the most-funded industry being All Other Professional, Scientific, and Technical Services. See all Florida SBA lenders for statewide rankings.
SBA Loans in Stuart by Business Type
Whether you’re starting a new business in Stuart, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 21% of SBA loans in Stuart (6 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 40% (7 loans) — if you’re looking to buy a business in Stuart, this is a proven use case for SBA financing. Existing businesses make up 28% and typically receive the most favorable terms.
Top SBA Lenders in Stuart, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Stuart businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Readycap Lending, LLC | $4.6M | 3 | 11.42% |
| 2 | Fifth Third Bank | $3.7M | 1 | 8% |
| 3 | First Internet Bank of Indiana | $3.5M | 2 | 9.75% |
| 4 | Wells Fargo Bank National Association | $2.8M | 1 | 7.63% |
| 5 | Port 51 Lending LLC | $2.2M | 1 | 10.25% |
| 6 | Paradise Bank | $1.9M | 3 | 9.58% |
| 7 | BankUnited, National Association | $1.8M | 4 | 8.19% |
| 8 | The Huntington National Bank | $928K | 3 | 9.92% |
| 9 | TD Bank, National Association | $735K | 8 | 11.26% |
| 10 | Celtic Bank Corporation | $630K | 2 | 10.75% |
The top lenders in Stuart have direct experience with local businesses and understand the Stuart 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 Stuart 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 Stuart
One 5-minute application. 21+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Stuart
These are the industries that received the most SBA 7(a) funding in Stuart 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 |
|---|---|---|
| All Other Professional, Scientific, and Technical Services | 1 | $3.6M |
| Testing Laboratories | 2 | $3.5M |
| Offices of All Other Miscellaneous Health Practitioners | 2 | $1.4M |
| Plumbing, Heating, and Air-Conditioning Contractors | 3 | $1.1M |
| Advertising Agencies | 1 | $1.0M |
| Ship Building and Repairing | 2 | $995K |
| Fitness and Recreational Sports Centers | 4 | $708K |
| All Other Amusement and Recreation Industries | 1 | $580K |
| Poured Concrete Foundation and Structure Contractors | 1 | $580K |
| Offices of Podiatrists | 1 | $541K |
Lenders with experience funding your specific industry in Stuart 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 Stuart
Option 1: Apply directly to one of the top Stuart 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 Stuart-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.
