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County18th of 67 in Florida by approvalsFIPS 12097
SBA loans in Osceola 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 Osceola County, Florida, received 398 SBA loan approvals worth $215M in FY2021 to FY2025 (350 7(a), 48 504).
That is 46.2 approvals per 1,000 business establishments (8,617 establishments in 2023), close to the Florida figure of 41.6 and close to the national 41.0.
It ranks 18th of 67 Florida counties with approvals. In FY2025 there were 114, up 14% on FY2024.
76 lenders had approvals here; the most active were TD Bank, National Association (50), Readycap Lending, LLC (37) and The Huntington National Bank (29). 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 Osceola County
By number of approvals to businesses in the county, FY2021–FY2025; 76 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | TD Bank, National AssociationWilmington, DE | 50 | $4.8M | 12.6% | |
| 2 | Readycap Lending, LLCBerkeley Heights, NJ | 37 | $5.5M | 9.3% | |
| 3 | The Huntington National BankColumbus, OH | 29 | $9.9M | 7.3% | |
| 4 | Florida Business Development CorporationTampa, FL · CDC | 28 | $35.0M | 7.0% | |
| 5 | Wells Fargo Bank National AssociationSioux Falls, SD | 26 | $3.2M | 6.5% | |
| 6 | Northeast BankLewiston, ME | 23 | $2.9M | 5.8% | |
| 7 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 20 | $25.8M | 5.0% | |
| 8 | BayFirst National BankSaint Petersburg, FL | 20 | $4.4M | 5.0% | |
| 9 | Newtek Bank, National AssociationMiami, FL | 16 | $7.9M | 4.0% | |
| 10 | JPMorgan Chase Bank, National AssociationColumbus, OH | 14 | $1.3M | 3.5% | |
| 11 | Newtek Small Business Finance, Inc.Lake Success, NY | 9 | $13.3M | 2.3% | |
| 12 | Truist BankCharlotte, NC | 8 | $7.1M | 2.0% | |
| 13 | United Midwest Savings Bank National AssociationDe Graff, OH | 7 | $1.3M | 1.8% | |
| 14 | Fifth Third BankCincinnati, OH | 6 | $3.9M | 1.5% | |
| 15 | Regions BankBirmingham, AL | 5 | $4.8M | 1.3% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 36 | 9.0% | |
| 2 | General Freight TruckingNAICS 4841 | 20 | 5.0% | |
| 3 | Residential Building ConstructionNAICS 2361 | 17 | 4.3% | |
| 4 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 14 | 3.5% | |
| 5 | Automotive Repair and MaintenanceNAICS 8111 | 13 | 3.3% | |
| 6 | Offices of Other Health PractitionersNAICS 6213 | 12 | 3.0% | |
| 7 | Services to Buildings and DwellingsNAICS 5617 | 12 | 3.0% | |
| 8 | Agencies, Brokerages, and Other Insurance Related ActivitiesNAICS 5242 | 12 | 3.0% | |
| 9 | Offices of PhysiciansNAICS 6211 | 11 | 2.8% | |
| 10 | Personal Care ServicesNAICS 8121 | 10 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Construction | 51 | 12.8% | |
| 2 | Accommodation and Food Services | 45 | 11.3% | |
| 3 | Retail Trade | 43 | 10.8% | |
| 4 | Health Care and Social Assistance | 41 | 10.3% | |
| 5 | Transportation and Warehousing | 39 | 9.8% | |
| 6 | Professional, Scientific, and Technical Services | 37 | 9.3% | |
| 7 | Other Services (except Public Administration) | 37 | 9.3% | |
| 8 | Real Estate and Rental and Leasing | 21 | 5.3% |
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* | 54 | $24.7M | $150K | 4 | $9.8M | 58 | 478 |
| FY2025 | 105 | $38.5M | $150K | 9 | $10.6M | 114 | 921 |
| FY2024 | 88 | $38.3M | $150K | 12 | $19.7M | 100 | 995 |
| FY2023 | 67 | $35.5M | $150K | 6 | $6.8M | 73 | 581 |
| FY2022 | 60 | $18.4M | $71K | 10 | $15.7M | 70 | 531 |
| FY2021 | 30 | $23.7M | $550K | 11 | $8.0M | 41 | 552 |
| FY2020 | 25 | $15.7M | $315K | 10 | $8.6M | 35 | 406 |
| FY2019 | 54 | $26.4M | $179K | 4 | $2.9M | 58 | 540 |
| FY2018 | 52 | $33.6M | $150K | 5 | $3.6M | 57 | 515 |
| FY2017 | 51 | $27.0M | $150K | 2 | — | 53 | 467 |
| FY2016 | 46 | $32.7M | $390K | 4 | $1.1M | 50 | 810 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 253 approvals.
Against Florida and the country
| FY2021–FY2025 | Osceola County | Florida | United States |
|---|---|---|---|
| Approvals | 398 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 46.2 | 41.6 | 41.0 |
| Median 7(a) approval | $150K | $240K | $190K |
| Median 504 approval | $1.1M | $624K | $657K |
| Average approval | $541K | $609K | $573K |
| 504 share of approvals | 12.1% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 9.0 | 10.4 | 10.5 |
| Share of state approvals | 1.5% | 100.0% | — |
Approval sizes
- $50,000 or less31.2%124
- $50,001 to $150,00017.8%71
- $150,001 to $350,00015.6%62
- $350,001 to $1 million19.8%79
- $1 million to $2 million9.3%37
- Over $2 million6.3%25
Age of the businesses
- Existing, more than 2 years old64.1%255
- New business, 2 years or less17.3%69
- Startup, loan funds will open the business11.6%46
- Change of ownership5.8%23
- Not answered1.3%5
Questions and answers
Which lenders make the most SBA loans in Osceola County?
By approvals in FY2021 to FY2025: TD Bank, National Association (50), Readycap Lending, LLC (37), The Huntington National Bank (29), Florida Business Development Corporation (28), Wells Fargo Bank National Association (26). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Osceola County?
The median 7(a) approval was $150K and the median 504 approval $1.1M; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Osceola County?
Restaurants and Other Eating Places (36); General Freight Trucking (20); Residential Building Construction (17); Management, Scientific, and Technical Consulting Services (14); Automotive Repair and Maintenance (13).
Is SBA lending in Osceola County rising?
Approvals in the three latest complete fiscal years total 287, against 146 in the three before: rising (+97%).
How does Osceola County compare with the rest of Florida?
46.2 approvals per 1,000 establishments against 41.6 statewide, and 398 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