Best SBA Lenders in Winter Garden, FL (2026)
2025 FOIA data: top lenders, rates & industries for Winter Garden SBA loans
SBA Loans in Winter Garden, Florida
Looking for an SBA loan in Winter Garden, Florida? Based on 2025 FOIA data, 26 SBA 7(a) loans were funded in Winter Garden totaling $13.2M, supporting an estimated 156 jobs. With 16 active lenders competing for business in the Winter Garden market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Winter Garden is $509K at an average rate of 10.3%. The top lender in Winter Garden is Brookline Bank, a Division of Beacon Bank and Trust, with the most-funded industry being All Other Specialty Trade Contractors. See all Florida SBA lenders for statewide rankings.
SBA Loans in Winter Garden by Business Type
Whether you’re starting a new business in Winter Garden, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 43% of SBA loans in Winter Garden (12 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 18% (1 loans) — if you’re looking to buy a business in Winter Garden, this is a proven use case for SBA financing. Existing businesses make up 25% and typically receive the most favorable terms.
Top SBA Lenders in Winter Garden, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Winter Garden businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Brookline Bank, a Division of Beacon Bank and Trust | $2.3M | 1 | 9.75% |
| 2 | Newtek Bank, National Association | $2.2M | 4 | 10.5% |
| 3 | 1st Financial Bank USA | $1.5M | 1 | 10.5% |
| 4 | Live Oak Banking Company | $1.3M | 1 | 7.75% |
| 5 | Climate First Bank | $1.3M | 1 | 10.25% |
| 6 | The Huntington National Bank | $985K | 7 | 10.04% |
| 7 | Bank of America, National Association | $930K | 1 | 8.25% |
| 8 | Cadence Bank | $630K | 1 | 10.75% |
| 9 | VelocitySBA, LLC | $575K | 1 | 10.25% |
| 10 | Merchants & Marine Bank | $536K | 2 | 10.25% |
The top lenders in Winter Garden have direct experience with local businesses and understand the Winter Garden 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 Winter Garden 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 Winter Garden
One 5-minute application. 16+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Winter Garden
These are the industries that received the most SBA 7(a) funding in Winter Garden 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 Specialty Trade Contractors | 2 | $2.4M |
| Offices of Physicians (except Mental Health Specialists) | 1 | $1.5M |
| New Single-Family Housing Construction (except Operative Builders) | 1 | $1.5M |
| Offices of Dentists | 1 | $1.3M |
| Other Personal Care Services | 2 | $1.3M |
| Limited-Service Restaurants | 6 | $1.2M |
| Fitness and Recreational Sports Centers | 1 | $930K |
| Couriers | 1 | $630K |
| Child Day Care Services | 1 | $575K |
| Amusement Arcades | 2 | $536K |
Lenders with experience funding your specific industry in Winter Garden 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 Winter Garden
Option 1: Apply directly to one of the top Winter Garden 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 Winter Garden-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.
