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County4th of 67 in Florida by approvalsFIPS 12095
SBA loans in Orange 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 Orange County, Florida, received 1,946 SBA loan approvals worth $1.19bn in FY2021 to FY2025 (1,695 7(a), 251 504).
That is 42.7 approvals per 1,000 business establishments (45,588 establishments in 2023), close to the Florida figure of 41.6 and close to the national 41.0.
It ranks 4th of 67 Florida counties with approvals. In FY2025 there were 507, about level with FY2024.
142 lenders had approvals here; the most active were TD Bank, National Association (157), Florida Business Development Corporation (139) and Newtek Bank, National Association (125). 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 Orange County
By number of approvals to businesses in the county, FY2021–FY2025; 142 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 157 | $27.2M | 8.1% | |
| 2 | Florida Business Development CorporationTampa, FL · CDC | 139 | $137M | 7.1% | |
| 3 | Newtek Bank, National AssociationMiami, FL | 125 | $50.1M | 6.4% | |
| 4 | Readycap Lending, LLCBerkeley Heights, NJ | 114 | $30.1M | 5.9% | |
| 5 | The Huntington National BankColumbus, OH | 113 | $44.2M | 5.8% | |
| 6 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 98 | $103M | 5.0% | |
| 7 | Wells Fargo Bank National AssociationSioux Falls, SD | 90 | $7.4M | 4.6% | |
| 8 | Northeast BankLewiston, ME | 87 | $11.4M | 4.5% | |
| 9 | JPMorgan Chase Bank, National AssociationColumbus, OH | 70 | $16.3M | 3.6% | |
| 10 | BayFirst National BankSaint Petersburg, FL | 63 | $17.9M | 3.2% | |
| 11 | Bank of America, National AssociationCharlotte, NC | 57 | $30.2M | 2.9% | |
| 12 | United Midwest Savings Bank National AssociationDe Graff, OH | 44 | $11.2M | 2.3% | |
| 13 | SouthState Bank, National AssociationWinter Haven, FL | 43 | $21.3M | 2.2% | |
| 14 | Newtek Small Business Finance, Inc.Lake Success, NY | 42 | $32.2M | 2.2% | |
| 15 | Live Oak Banking CompanyWilmington, NC | 39 | $65.3M | 2.0% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 181 | 9.3% | |
| 2 | Offices of Other Health PractitionersNAICS 6213 | 82 | 4.2% | |
| 3 | Personal Care ServicesNAICS 8121 | 79 | 4.1% | |
| 4 | Services to Buildings and DwellingsNAICS 5617 | 69 | 3.5% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 54 | 2.8% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 52 | 2.7% | |
| 7 | General Freight TruckingNAICS 4841 | 48 | 2.5% | |
| 8 | Other Specialty Trade ContractorsNAICS 2389 | 46 | 2.4% | |
| 9 | Building Finishing ContractorsNAICS 2383 | 46 | 2.4% | |
| 10 | Accounting, Tax Preparation, Bookkeeping, and Payroll ServicesNAICS 5412 | 45 | 2.3% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Professional, Scientific, and Technical Services | 241 | 12.4% | |
| 2 | Construction | 236 | 12.1% | |
| 3 | Health Care and Social Assistance | 225 | 11.6% | |
| 4 | Accommodation and Food Services | 214 | 11.0% | |
| 5 | Other Services (except Public Administration) | 199 | 10.2% | |
| 6 | Retail Trade | 176 | 9.0% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 130 | 6.7% | |
| 8 | Wholesale Trade | 125 | 6.4% |
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* | 220 | $153M | $290K | 21 | $31.5M | 241 | 2,878 |
| FY2025 | 462 | $233M | $200K | 45 | $46.3M | 507 | 5,243 |
| FY2024 | 433 | $205M | $200K | 47 | $52.3M | 480 | 5,023 |
| FY2023 | 348 | $196M | $218K | 48 | $47.0M | 396 | 5,374 |
| FY2022 | 234 | $142M | $242K | 49 | $54.0M | 283 | 3,336 |
| FY2021 | 218 | $158M | $355K | 62 | $52.7M | 280 | 3,700 |
| FY2020 | 153 | $90.5M | $290K | 61 | $52.8M | 214 | 2,637 |
| FY2019 | 229 | $129M | $202K | 37 | $43.2M | 266 | 2,686 |
| FY2018 | 228 | $128M | $250K | 39 | $43.9M | 267 | 2,922 |
| FY2017 | 229 | $96.3M | $150K | 28 | $26.8M | 257 | 2,764 |
| FY2016 | 242 | $103M | $150K | 33 | $31.4M | 275 | 3,472 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 1,279 approvals.
Against Florida and the country
| FY2021–FY2025 | Orange County | Florida | United States |
|---|---|---|---|
| Approvals | 1,946 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 42.7 | 41.6 | 41.0 |
| Median 7(a) approval | $238K | $240K | $190K |
| Median 504 approval | $753K | $624K | $657K |
| Average approval | $610K | $609K | $573K |
| 504 share of approvals | 12.9% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 11.7 | 10.4 | 10.5 |
| Share of state approvals | 7.2% | 100.0% | — |
Approval sizes
- $50,000 or less18.7%363
- $50,001 to $150,00019.1%371
- $150,001 to $350,00020.6%400
- $350,001 to $1 million24.8%482
- $1 million to $2 million10.1%196
- Over $2 million6.9%134
Age of the businesses
- Existing, more than 2 years old58.6%1,141
- New business, 2 years or less15.4%300
- Startup, loan funds will open the business17.7%344
- Change of ownership7.9%153
- Not answered0.4%8
Questions and answers
Which lenders make the most SBA loans in Orange County?
By approvals in FY2021 to FY2025: TD Bank, National Association (157), Florida Business Development Corporation (139), Newtek Bank, National Association (125), Readycap Lending, LLC (114), The Huntington National Bank (113). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Orange County?
The median 7(a) approval was $238K and the median 504 approval $753K; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Orange County?
Restaurants and Other Eating Places (181); Offices of Other Health Practitioners (82); Personal Care Services (79); Services to Buildings and Dwellings (69); Automotive Repair and Maintenance (54).
Is SBA lending in Orange County rising?
Approvals in the three latest complete fiscal years total 1,383, against 777 in the three before: rising (+78%).
How does Orange County compare with the rest of Florida?
42.7 approvals per 1,000 establishments against 41.6 statewide, and 1,946 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