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County15th of 67 in Florida by approvalsFIPS 12081
SBA loans in Manatee 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 500 loans to businesses in Manatee County, Florida, in FY2021 to FY2025, worth $381M: 417 under 7(a) and 83 under 504.
That is 44.7 approvals per 1,000 business establishments (11,176 establishments in 2023), close to the Florida figure of 41.6 and close to the national 41.0.
It ranks 15th of 67 Florida counties with approvals. In FY2025 there were 128, up 11% on FY2024.
101 lenders had approvals here; the most active were Florida Business Development Corporation (36), The Huntington National Bank (36) and Florida First Capital Finance Corporation, Inc. (35). 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 Manatee County
By number of approvals to businesses in the county, FY2021–FY2025; 101 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida Business Development CorporationTampa, FL · CDC | 36 | $35.8M | 7.2% | |
| 2 | The Huntington National BankColumbus, OH | 36 | $20.2M | 7.2% | |
| 3 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 35 | $32.4M | 7.0% | |
| 4 | BayFirst National BankSaint Petersburg, FL | 23 | $12.7M | 4.6% | |
| 5 | Live Oak Banking CompanyWilmington, NC | 21 | $37.5M | 4.2% | |
| 6 | The Bank of TampaTampa, FL | 19 | $20.7M | 3.8% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 18 | $9.2M | 3.6% | |
| 8 | Bank of America, National AssociationCharlotte, NC | 16 | $8.9M | 3.2% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 15 | $3.2M | 3.0% | |
| 10 | SouthState Bank, National AssociationWinter Haven, FL | 14 | $9.4M | 2.8% | |
| 11 | TD Bank, National AssociationWilmington, DE | 14 | $2.5M | 2.8% | |
| 12 | United Midwest Savings Bank National AssociationDe Graff, OH | 13 | $2.7M | 2.6% | |
| 13 | Newtek Bank, National AssociationMiami, FL | 11 | $2.4M | 2.2% | |
| 14 | Bank OZKLittle Rock, AR | 11 | $2.1M | 2.2% | |
| 15 | First Internet Bank of IndianaFishers, IN | 10 | $13.0M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 53 | 10.6% | |
| 2 | Building Equipment ContractorsNAICS 2382 | 25 | 5.0% | |
| 3 | Automotive Repair and MaintenanceNAICS 8111 | 23 | 4.6% | |
| 4 | Building Finishing ContractorsNAICS 2383 | 22 | 4.4% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 22 | 4.4% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 17 | 3.4% | |
| 7 | Foundation, Structure, and Building Exterior ContractorsNAICS 2381 | 13 | 2.6% | |
| 8 | Child Day Care ServicesNAICS 6244 | 12 | 2.4% | |
| 9 | Other Specialty Trade ContractorsNAICS 2389 | 12 | 2.4% | |
| 10 | Other Personal ServicesNAICS 8129 | 11 | 2.2% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 80 | 16.0% | |
| 2 | Accommodation and Food Services | 60 | 12.0% | |
| 3 | Health Care and Social Assistance | 59 | 11.8% | |
| 4 | Retail Trade | 51 | 10.2% | |
| 5 | Other Services (except Public Administration) | 50 | 10.0% | |
| 6 | Professional, Scientific, and Technical Services | 49 | 9.8% | |
| 7 | Manufacturing | 44 | 8.8% | |
| 8 | Administrative and Support and Waste Management and Remediation Services | 30 | 6.0% |
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* | 66 | $34.7M | $300K | 12 | $20.4M | 78 | 841 |
| FY2025 | 108 | $82.5M | $350K | 20 | $18.3M | 128 | 1,193 |
| FY2024 | 101 | $61.0M | $325K | 14 | $16.2M | 115 | 1,304 |
| FY2023 | 81 | $65.6M | $350K | 11 | $13.7M | 92 | 1,521 |
| FY2022 | 62 | $48.5M | $374K | 18 | $17.3M | 80 | 1,144 |
| FY2021 | 65 | $44.9M | $416K | 20 | $13.2M | 85 | 1,200 |
| FY2020 | 44 | $33.6M | $545K | 20 | $11.4M | 64 | 603 |
| FY2019 | 53 | $32.3M | $254K | 11 | $9.6M | 64 | 754 |
| FY2018 | 73 | $58.4M | $296K | 5 | $7.8M | 78 | 1,209 |
| FY2017 | 71 | $31.1M | $150K | 11 | $9.5M | 82 | 629 |
| FY2016 | 63 | $24.9M | $283K | 7 | $5.8M | 70 | 714 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 358 approvals.
Against Florida and the country
| FY2021–FY2025 | Manatee County | Florida | United States |
|---|---|---|---|
| Approvals | 500 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 44.7 | 41.6 | 41.0 |
| Median 7(a) approval | $350K | $240K | $190K |
| Median 504 approval | $656K | $624K | $657K |
| Average approval | $762K | $609K | $573K |
| 504 share of approvals | 16.6% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 12.7 | 10.4 | 10.5 |
| Share of state approvals | 1.9% | 100.0% | — |
Approval sizes
- $50,000 or less10.0%50
- $50,001 to $150,00017.2%86
- $150,001 to $350,00020.0%100
- $350,001 to $1 million31.2%156
- $1 million to $2 million11.4%57
- Over $2 million10.2%51
Age of the businesses
- Existing, more than 2 years old47.4%237
- New business, 2 years or less18.4%92
- Startup, loan funds will open the business21.0%105
- Change of ownership12.8%64
- Not answered0.4%2
Questions and answers
Which lenders make the most SBA loans in Manatee County?
By approvals in FY2021 to FY2025: Florida Business Development Corporation (36), The Huntington National Bank (36), Florida First Capital Finance Corporation, Inc. (35), BayFirst National Bank (23), Live Oak Banking Company (21). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Manatee County?
The median 7(a) approval was $350K and the median 504 approval $656K; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Manatee County?
Restaurants and Other Eating Places (53); Building Equipment Contractors (25); Automotive Repair and Maintenance (23); Building Finishing Contractors (22); Services to Buildings and Dwellings (22).
Is SBA lending in Manatee County rising?
Approvals in the three latest complete fiscal years total 335, against 229 in the three before: rising (+46%).
How does Manatee County compare with the rest of Florida?
44.7 approvals per 1,000 establishments against 41.6 statewide, and 500 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