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County11th of 67 in Florida by approvalsFIPS 12009
SBA loans in Brevard County, Florida
7(a) and 504 approvals to businesses located in the county, set against the number of businesses there and against the state.
SBA approvals by fiscal year. The federal fiscal year runs 1 October to 30 September, so FY2025 is 1 October 2024 to 30 September 2025. *FY2026 is open: approvals to 30 Jun 2026 only.
Businesses in Brevard County, Florida, received 603 SBA loan approvals worth $359M in FY2021 to FY2025 (532 7(a), 71 504).
That is 38.9 approvals per 1,000 business establishments (15,510 establishments in 2023), close to the Florida figure of 41.6 and close to the national 41.0.
It ranks 11th of 67 Florida counties with approvals. In FY2025 there were 174, up 37% on FY2024.
86 lenders had approvals here; the most active were TD Bank, National Association (93), Florida First Capital Finance Corporation, Inc. (47) and The Huntington National Bank (43). The most common industry was restaurants and other eating places.
Loan status is as recorded by SBA at the data date; charge-off rates are computed on loans approved at least five fiscal years ago. Jobs supported are self-reported estimates from the SBA loan application, which SBA does not review, audit or validate. Data through 30 Jun 2026.
Lenders most active in Brevard County
By number of approvals to businesses in the county, FY2021–FY2025; 86 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 93 | $13.6M | 15.4% | |
| 2 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 47 | $52.2M | 7.8% | |
| 3 | The Huntington National BankColumbus, OH | 43 | $19.1M | 7.1% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 25 | $4.6M | 4.1% | |
| 5 | Readycap Lending, LLCBerkeley Heights, NJ | 25 | $4.3M | 4.1% | |
| 6 | Wells Fargo Bank National AssociationSioux Falls, SD | 24 | $5.8M | 4.0% | |
| 7 | Florida Business Development CorporationTampa, FL · CDC | 21 | $19.3M | 3.5% | |
| 8 | Northeast BankLewiston, ME | 21 | $3.4M | 3.5% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 19 | $4.4M | 3.2% | |
| 10 | Live Oak Banking CompanyWilmington, NC | 17 | $19.6M | 2.8% | |
| 11 | SouthState Bank, National AssociationWinter Haven, FL | 17 | $9.1M | 2.8% | |
| 12 | Newtek Small Business Finance, Inc.Lake Success, NY | 17 | $6.4M | 2.8% | |
| 13 | Bank of America, National AssociationCharlotte, NC | 15 | $9.0M | 2.5% | |
| 14 | Seacoast National BankStuart, FL | 14 | $13.1M | 2.3% | |
| 15 | JPMorgan Chase Bank, National AssociationColumbus, OH | 14 | $4.5M | 2.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 47 | 7.8% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 31 | 5.1% | |
| 3 | Services to Buildings and DwellingsNAICS 5617 | 30 | 5.0% | |
| 4 | Personal Care ServicesNAICS 8121 | 24 | 4.0% | |
| 5 | Other Specialty Trade ContractorsNAICS 2389 | 23 | 3.8% | |
| 6 | Automotive Repair and MaintenanceNAICS 8111 | 22 | 3.6% | |
| 7 | Child Day Care ServicesNAICS 6244 | 19 | 3.2% | |
| 8 | Other Amusement and Recreation IndustriesNAICS 7139 | 17 | 2.8% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 16 | 2.7% | |
| 10 | Other Personal ServicesNAICS 8129 | 15 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 90 | 14.9% | |
| 2 | Construction | 88 | 14.6% | |
| 3 | Other Services (except Public Administration) | 76 | 12.6% | |
| 4 | Accommodation and Food Services | 68 | 11.3% | |
| 5 | Administrative and Support and Waste Management and Remediation Services | 58 | 9.6% | |
| 6 | Retail Trade | 54 | 9.0% | |
| 7 | Professional, Scientific, and Technical Services | 42 | 7.0% | |
| 8 | Manufacturing | 34 | 5.6% |
Approvals by fiscal year
| Fiscal year | 7(a) approvals | 7(a) dollars | Median 7(a) | 504 approvals | 504 dollars | All approvals | Jobs supported, as reported |
|---|---|---|---|---|---|---|---|
| FY2026* | 78 | $37.9M | $223K | 12 | $13.3M | 90 | 1,108 |
| FY2025 | 162 | $80.6M | $250K | 12 | $18.0M | 174 | 2,218 |
| FY2024 | 112 | $49.4M | $150K | 15 | $9.0M | 127 | 879 |
| FY2023 | 85 | $36.1M | $150K | 18 | $14.1M | 103 | 879 |
| FY2022 | 79 | $51.8M | $287K | 15 | $24.8M | 94 | 1,458 |
| FY2021 | 94 | $68.1M | $385K | 11 | $7.4M | 105 | 1,364 |
| FY2020 | 55 | $29.0M | $330K | 13 | $16.3M | 68 | 820 |
| FY2019 | 94 | $61.1M | $237K | 11 | $9.2M | 105 | 907 |
| FY2018 | 114 | $35.3M | $61K | 7 | $3.8M | 121 | 1,008 |
| FY2017 | 115 | $50.2M | $150K | 12 | $11.0M | 127 | 963 |
| FY2016 | 93 | $31.5M | $150K | 21 | $14.8M | 114 | 1,263 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 535 approvals.
Against Florida and the country
| FY2021–FY2025 | Brevard County | Florida | United States |
|---|---|---|---|
| Approvals | 603 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 38.9 | 41.6 | 41.0 |
| Median 7(a) approval | $234K | $240K | $190K |
| Median 504 approval | $554K | $624K | $657K |
| Average approval | $596K | $609K | $573K |
| 504 share of approvals | 11.8% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 11.3 | 10.4 | 10.5 |
| Share of state approvals | 2.2% | 100.0% | — |
Approval sizes
- $50,000 or less20.7%125
- $50,001 to $150,00019.2%116
- $150,001 to $350,00018.7%113
- $350,001 to $1 million22.6%136
- $1 million to $2 million12.1%73
- Over $2 million6.6%40
Age of the businesses
- Existing, more than 2 years old57.4%346
- New business, 2 years or less16.6%100
- Startup, loan funds will open the business16.6%100
- Change of ownership9.5%57
Questions and answers
Which lenders make the most SBA loans in Brevard County?
By approvals in FY2021 to FY2025: TD Bank, National Association (93), Florida First Capital Finance Corporation, Inc. (47), The Huntington National Bank (43), BayFirst National Bank (25), Readycap Lending, LLC (25). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Brevard County?
The median 7(a) approval was $234K and the median 504 approval $554K; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Brevard County?
Restaurants and Other Eating Places (47); Offices of Other Health Practitioners (31); Services to Buildings and Dwellings (30); Personal Care Services (24); Other Specialty Trade Contractors (23).
Is SBA lending in Brevard County rising?
Approvals in the three latest complete fiscal years total 404, against 267 in the three before: rising (+51%).
How does Brevard County compare with the rest of Florida?
38.9 approvals per 1,000 establishments against 41.6 statewide, and 603 of the state's 26,882 approvals.
About these figures
Figures are totals of the Small Business Administration's 7(a) and 504 FOIA loan files, data through 30 Jun 2026. SBA updates the files quarterly. Counts are loan approvals, including approvals later cancelled; the five-year window is FY2021–FY2025, the five latest complete fiscal years. Charge-off rates use only loans approved in FY2010–FY2021, at least five fiscal years ago, and count disbursed loans SBA records as charged off. Loans are listed under the lender they are assigned to today. Establishment counts are from the Census Bureau's County Business Patterns 2023, which leaves out most farms, government and businesses without employees. Dollar figures behind fewer than three approvals are not shown, and no borrower is named anywhere on this site.Methodology · Report an error