States › Florida › Flagler County
County37th of 67 in Florida by approvalsFIPS 12035
SBA loans in Flagler 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.
SBA approved 82 loans to businesses in Flagler County, Florida, in FY2021 to FY2025, worth $44.4M: 62 under 7(a) and 20 under 504.
That is 30.4 approvals per 1,000 business establishments (2,698 establishments in 2023), below the Florida figure of 41.6 and below the national 41.0.
It ranks 37th of 67 Florida counties with approvals. In FY2025 there were 24, up 60% on FY2024.
34 lenders had approvals here; the most active were Florida First Capital Finance Corporation, Inc. (16), Wells Fargo Bank National Association (7) and TD Bank, National Association (5). 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 Flagler County
By number of approvals to businesses in the county, FY2021–FY2025; 34 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 16 | $11.0M | 19.5% | |
| 2 | Wells Fargo Bank National AssociationSioux Falls, SD | 7 | $492K | 8.5% | |
| 3 | TD Bank, National AssociationWilmington, DE | 5 | $175K | 6.1% | |
| 4 | Florida Business Development CorporationTampa, FL · CDC | 4 | $3.1M | 4.9% | |
| 5 | The Huntington National BankColumbus, OH | 4 | $835K | 4.9% | |
| 6 | Bank of America, National AssociationCharlotte, NC | 3 | $1.0M | 3.7% | |
| 7 | SouthState Bank, National AssociationWinter Haven, FL | 3 | $985K | 3.7% | |
| 8 | United Midwest Savings Bank National AssociationDe Graff, OH | 3 | $550K | 3.7% | |
| 9 | PNC Bank, National AssociationWilmington, DE | 3 | $372K | 3.7% | |
| 10 | First National Bank of PennsylvaniaGreenville, PA | 2 | — | 2.4% | |
| 11 | iTHINK Financial Credit UnionDelray Beach, FL | 2 | — | 2.4% | |
| 12 | Ameris BankAtlanta, GA | 2 | — | 2.4% | |
| 13 | Live Oak Banking CompanyWilmington, NC | 2 | — | 2.4% | |
| 14 | Newtek Bank, National AssociationMiami, FL | 2 | — | 2.4% | |
| 15 | BayFirst National BankSaint Petersburg, FL | 2 | — | 2.4% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 8 | 9.8% | |
| 2 | Other Specialty Trade ContractorsNAICS 2389 | 5 | 6.1% | |
| 3 | Traveler AccommodationNAICS 7211 | 4 | 4.9% | |
| 4 | Computer Systems Design and Related ServicesNAICS 5415 | 4 | 4.9% | |
| 5 | Personal Care ServicesNAICS 8121 | 4 | 4.9% | |
| 6 | Child Day Care ServicesNAICS 6244 | 3 | 3.7% | |
| 7 | Offices of PhysiciansNAICS 6211 | 3 | 3.7% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 3 | 3.7% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 3 | 3.7% | |
| 10 | Services to Buildings and DwellingsNAICS 5617 | 3 | 3.7% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Accommodation and Food Services | 14 | 17.1% | |
| 2 | Construction | 11 | 13.4% | |
| 3 | Health Care and Social Assistance | 10 | 12.2% | |
| 4 | Other Services (except Public Administration) | 10 | 12.2% | |
| 5 | Professional, Scientific, and Technical Services | 9 | 11.0% | |
| 6 | Retail Trade | 9 | 11.0% | |
| 7 | Real Estate and Rental and Leasing | 4 | 4.9% | |
| 8 | Transportation and Warehousing | 3 | 3.7% |
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* | 7 | $2.1M | $286K | 4 | $3.5M | 11 | 86 |
| FY2025 | 20 | $10.6M | $150K | 4 | $3.4M | 24 | 300 |
| FY2024 | 13 | $4.8M | $350K | 2 | — | 15 | 69 |
| FY2023 | 11 | $3.6M | $150K | 6 | $5.0M | 17 | 125 |
| FY2022 | 7 | $2.8M | $294K | 2 | — | 9 | 103 |
| FY2021 | 11 | $8.3M | $514K | 6 | $3.4M | 17 | 157 |
| FY2020 | 7 | $2.0M | $346K | 3 | $1.7M | 10 | 102 |
| FY2019 | 8 | $1.4M | $148K | 5 | $2.6M | 13 | 151 |
| FY2018 | 10 | $6.9M | $194K | 4 | $2.0M | 14 | 121 |
| FY2017 | 10 | $2.6M | $160K | 1 | — | 11 | 89 |
| FY2016 | 8 | $4.3M | $132K | 7 | $1.9M | 15 | 49 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 63 approvals.
Against Florida and the country
| FY2021–FY2025 | Flagler County | Florida | United States |
|---|---|---|---|
| Approvals | 82 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 30.4 | 41.6 | 41.0 |
| Median 7(a) approval | $282K | $240K | $190K |
| Median 504 approval | $657K | $624K | $657K |
| Average approval | $541K | $609K | $573K |
| 504 share of approvals | 24.4% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 9.2 | 10.4 | 10.5 |
| Share of state approvals | 0.3% | 100.0% | — |
Approval sizes
- $50,000 or less22.0%18
- $50,001 to $150,00018.3%15
- $150,001 to $350,00012.2%10
- $350,001 to $1 million32.9%27
- $1 million to $2 million9.8%8
- Over $2 million4.9%4
Age of the businesses
- Existing, more than 2 years old56.1%46
- New business, 2 years or less17.1%14
- Startup, loan funds will open the business18.3%15
- Change of ownership8.5%7
Questions and answers
Which lenders make the most SBA loans in Flagler County?
By approvals in FY2021 to FY2025: Florida First Capital Finance Corporation, Inc. (16), Wells Fargo Bank National Association (7), TD Bank, National Association (5), Florida Business Development Corporation (4), The Huntington National Bank (4). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Flagler County?
The median 7(a) approval was $282K and the median 504 approval $657K; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Flagler County?
Restaurants and Other Eating Places (8); Other Specialty Trade Contractors (5); Traveler Accommodation (4); Computer Systems Design and Related Services (4); Personal Care Services (4).
Is SBA lending in Flagler County rising?
Approvals in the three latest complete fiscal years total 56, against 36 in the three before: rising (+56%).
How does Flagler County compare with the rest of Florida?
30.4 approvals per 1,000 establishments against 41.6 statewide, and 82 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