Best SBA Lenders in Winter Park, FL (2026)
2025 FOIA data: top lenders, rates & industries for Winter Park SBA loans
SBA Loans in Winter Park, Florida
Looking for an SBA loan in Winter Park, Florida? Based on 2025 FOIA data, 36 SBA 7(a) loans were funded in Winter Park totaling $18.4M, supporting an estimated 542 jobs. With 20 active lenders competing for business in the Winter Park market, comparing offers is essential to getting the best rate and terms.
The average SBA loan in Winter Park is $512K at an average rate of 10.11%. The top lender in Winter Park is Bank of America, National Association, with the most-funded industry being Plumbing, Heating, and Air-Conditioning Contractors. See all Florida SBA lenders for statewide rankings.
SBA Loans in Winter Park by Business Type
Whether you’re starting a new business in Winter Park, buying an existing one, or expanding your current operation, here’s how SBA lending breaks down in your market:
Startups represent 19% of SBA loans in Winter Park (8 loans funded in 2025), which tells you how comfortable local lenders are funding new ventures without established operating history. Business acquisitions account for 25% (5 loans) — if you’re looking to buy a business in Winter Park, this is a proven use case for SBA financing. Existing businesses make up 37% and typically receive the most favorable terms.
Top SBA Lenders in Winter Park, FL (2025 Data)
The table below ranks every SBA 7(a) lender that funded loans to Winter Park businesses in 2025, ordered by total dollar volume. This data comes directly from SBA FOIA records:
| # | Lender | Volume | Loans | Avg Rate |
|---|---|---|---|---|
| 1 | Bank of America, National Association | $2.8M | 2 | 5.63% |
| 2 | Climate First Bank | $2.7M | 2 | 10% |
| 3 | First Internet Bank of Indiana | $2.5M | 1 | 9.75% |
| 4 | Newtek Bank, National Association | $1.7M | 5 | 10.5% |
| 5 | Live Oak Banking Company | $1.3M | 2 | 8.87% |
| 6 | First Financial Bank | $1.3M | 1 | 9.25% |
| 7 | Byline Bank | $1.2M | 2 | 10.25% |
| 8 | First Bank of the Lake | $1.2M | 3 | 9.92% |
| 9 | Regions Bank | $670K | 1 | 8.8% |
| 10 | Northeast Bank | $556K | 5 | 10.25% |
The top lenders in Winter Park have direct experience with local businesses and understand the Winter Park 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 Park 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 Park
One 5-minute application. 20+ lenders competing for your deal. GoSBA matches you to the best fit — free, no obligation.
Top Industries Funded in Winter Park
These are the industries that received the most SBA 7(a) funding in Winter Park 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 |
|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 2 | $2.7M |
| Advertising Agencies | 2 | $1.2M |
| All Other Personal Services | 3 | $1.0M |
| Offices of Physicians (except Mental Health Specialists) | 1 | $850K |
| Fine Arts Schools | 1 | $500K |
| Limited-Service Restaurants | 1 | $491K |
| Snack and Nonalcoholic Beverage Bars | 1 | $486K |
| Homes for the Elderly | 1 | $483K |
| Full-Service Restaurants | 1 | $450K |
| Golf Courses and Country Clubs | 1 | $431K |
Lenders with experience funding your specific industry in Winter Park 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 Park
Option 1: Apply directly to one of the top Winter Park 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 Park-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
How many SBA loans were funded in Winter Park in 2025?
Can I get an SBA loan to start a business in Winter Park?
Who is the top SBA lender in Winter Park?
What is the average SBA loan rate in Winter Park?
Ready to Apply for an SBA Loan in Winter Park?
50+ lenders competing for your deal. Better rates, faster closing. No fees.
Data from SBA 7(a) FOIA records, Calendar Year 2025. Visit sba.gov for official info.
