States › Florida › Columbia County
County39th of 67 in Florida by approvalsFIPS 12023
SBA loans in Columbia 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 Columbia County, Florida, received 50 SBA loan approvals worth $27.2M in FY2021 to FY2025 (39 7(a), 11 504).
That is 33.5 approvals per 1,000 business establishments (1,492 establishments in 2023), below the Florida figure of 41.6 and below the national 41.0.
It ranks 39th of 67 Florida counties with approvals. In FY2025 there were 8, down 43% on FY2024.
23 lenders had approvals here; the most active were Florida First Capital Finance Corporation, Inc. (9), TD Bank, National Association (8) and Seacoast National Bank (5). The most common industry was traveler accommodation.
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 Columbia County
By number of approvals to businesses in the county, FY2021–FY2025; 23 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 9 | $3.8M | 18.0% | |
| 2 | TD Bank, National AssociationWilmington, DE | 8 | $335K | 16.0% | |
| 3 | Seacoast National BankStuart, FL | 5 | $1.2M | 10.0% | |
| 4 | First Federal BankLake City, FL | 4 | $1.6M | 8.0% | |
| 5 | The Huntington National BankColumbus, OH | 3 | $2.7M | 6.0% | |
| 6 | Celtic Bank CorporationSalt Lake City, UT | 2 | — | 4.0% | |
| 7 | TowneBankPortsmouth, VA | 2 | — | 4.0% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 2 | — | 4.0% | |
| 9 | GBankLas Vegas, NV | 1 | — | 2.0% | |
| 10 | Integro BankPhoenix, AZ | 1 | — | 2.0% | |
| 11 | Renasant BankTupelo, MS | 1 | — | 2.0% | |
| 12 | State Bank of TexasIrving, TX | 1 | — | 2.0% | |
| 13 | Gulf Coast Bank and Trust CompanyNew Orleans, LA | 1 | — | 2.0% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 1 | — | 2.0% | |
| 15 | United Community BankGreenville, SC | 1 | — | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Traveler AccommodationNAICS 7211 | 5 | 10.0% | |
| 2 | Services to Buildings and DwellingsNAICS 5617 | 4 | 8.0% | |
| 3 | Offices of PhysiciansNAICS 6211 | 3 | 6.0% | |
| 4 | Personal Care ServicesNAICS 8121 | 3 | 6.0% | |
| 5 | Offices of Other Health PractitionersNAICS 6213 | 3 | 6.0% | |
| 6 | Restaurants and Other Eating PlacesNAICS 7225 | 2 | 4.0% | |
| 7 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 2 | 4.0% | |
| 8 | RV (Recreational Vehicle) Parks and Recreational CampsNAICS 7212 | 2 | 4.0% | |
| 9 | Legal ServicesNAICS 5411 | 2 | 4.0% | |
| 10 | Cattle Ranching and FarmingNAICS 1121 | 2 | 4.0% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 9 | 18.0% | |
| 2 | Health Care and Social Assistance | 9 | 18.0% | |
| 3 | Retail Trade | 7 | 14.0% | |
| 4 | Other Services (except Public Administration) | 6 | 12.0% | |
| 5 | Professional, Scientific, and Technical Services | 6 | 12.0% | |
| 6 | Administrative and Support and Waste Management and Remediation Services | 5 | 10.0% | |
| 7 | Construction | 2 | 4.0% | |
| 8 | Agriculture, Forestry, Fishing and Hunting | 2 | 4.0% |
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* | 4 | $4.9M | $300K | 1 | — | 5 | 63 |
| FY2025 | 7 | $4.7M | $150K | 1 | — | 8 | 28 |
| FY2024 | 12 | $7.3M | $182K | 2 | — | 14 | 120 |
| FY2023 | 9 | $2.6M | $75K | 1 | — | 10 | 51 |
| FY2022 | 5 | $699K | $90K | 5 | $1.7M | 10 | 35 |
| FY2021 | 6 | $7.6M | $643K | 2 | — | 8 | 57 |
| FY2020 | 4 | $1.2M | $312K | 4 | $1.0M | 8 | 34 |
| FY2019 | 5 | $1.8M | $289K | 0 | — | 5 | 20 |
| FY2018 | 13 | $6.0M | $115K | 0 | — | 13 | 122 |
| FY2017 | 9 | $4.7M | $100K | 1 | — | 10 | 21 |
| FY2016 | 5 | $780K | $140K | 1 | — | 6 | 40 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 42 approvals.
Against Florida and the country
| FY2021–FY2025 | Columbia County | Florida | United States |
|---|---|---|---|
| Approvals | 50 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 33.5 | 41.6 | 41.0 |
| Median 7(a) approval | $150K | $240K | $190K |
| Median 504 approval | $240K | $624K | $657K |
| Average approval | $545K | $609K | $573K |
| 504 share of approvals | 22.0% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 5.8 | 10.4 | 10.5 |
| Share of state approvals | 0.2% | 100.0% | — |
Approval sizes
- $50,000 or less18.0%9
- $50,001 to $150,00026.0%13
- $150,001 to $350,00024.0%12
- $350,001 to $1 million16.0%8
- $1 million to $2 million6.0%3
- Over $2 million10.0%5
Age of the businesses
- Existing, more than 2 years old60.0%30
- New business, 2 years or less10.0%5
- Startup, loan funds will open the business20.0%10
- Change of ownership10.0%5
Questions and answers
Which lenders make the most SBA loans in Columbia County?
By approvals in FY2021 to FY2025: Florida First Capital Finance Corporation, Inc. (9), TD Bank, National Association (8), Seacoast National Bank (5), First Federal Bank (4), The Huntington National Bank (3). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Columbia County?
The median 7(a) approval was $150K and the median 504 approval $240K; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Columbia County?
Traveler Accommodation (5); Services to Buildings and Dwellings (4); Offices of Physicians (3); Personal Care Services (3); Offices of Other Health Practitioners (3).
Is SBA lending in Columbia County rising?
Approvals in the three latest complete fiscal years total 32, against 26 in the three before: rising (+23%).
How does Columbia County compare with the rest of Florida?
33.5 approvals per 1,000 establishments against 41.6 statewide, and 50 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