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County12th of 67 in Florida by approvalsFIPS 12101
SBA loans in Pasco 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 Pasco County, Florida, received 595 SBA loan approvals worth $387M in FY2021 to FY2025 (497 7(a), 98 504).
That is 49.7 approvals per 1,000 business establishments (11,975 establishments in 2023), above the Florida figure of 41.6 and above the national 41.0.
It ranks 12th of 67 Florida counties with approvals. In FY2025 there were 145, about level with FY2024.
103 lenders had approvals here; the most active were Florida Business Development Corporation (56), TD Bank, National Association (54) and Wells Fargo Bank National Association (36). 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 Pasco County
By number of approvals to businesses in the county, FY2021–FY2025; 103 lenders had at least one.
| # | Lender | Approvals | Dollars | Share | |
|---|---|---|---|---|---|
| 1 | Florida Business Development CorporationTampa, FL · CDC | 56 | $53.2M | 9.4% | |
| 2 | TD Bank, National AssociationWilmington, DE | 54 | $6.7M | 9.1% | |
| 3 | Wells Fargo Bank National AssociationSioux Falls, SD | 36 | $4.5M | 6.1% | |
| 4 | Newtek Bank, National AssociationMiami, FL | 32 | $17.9M | 5.4% | |
| 5 | The Huntington National BankColumbus, OH | 31 | $12.2M | 5.2% | |
| 6 | Florida First Capital Finance Corporation, Inc.Tallahassee, FL · CDC | 27 | $32.1M | 4.5% | |
| 7 | BayFirst National BankSaint Petersburg, FL | 26 | $13.6M | 4.4% | |
| 8 | SouthState Bank, National AssociationWinter Haven, FL | 16 | $8.3M | 2.7% | |
| 9 | United Midwest Savings Bank National AssociationDe Graff, OH | 16 | $2.5M | 2.7% | |
| 10 | DFCU FinancialDearborn, MI | 14 | $7.6M | 2.4% | |
| 11 | Sunshine State Economic Development CorporationClearwater, FL · CDC | 13 | $16.7M | 2.2% | |
| 12 | Readycap Lending, LLCBerkeley Heights, NJ | 13 | $10.1M | 2.2% | |
| 13 | JPMorgan Chase Bank, National AssociationColumbus, OH | 12 | $3.0M | 2.0% | |
| 14 | Bank of America, National AssociationCharlotte, NC | 11 | $5.8M | 1.8% | |
| 15 | Northeast BankLewiston, ME | 11 | $1.6M | 1.8% |
Industries
| # | Industry group (NAICS 4-digit) | Approvals | Share | |
|---|---|---|---|---|
| 1 | Restaurants and Other Eating PlacesNAICS 7225 | 57 | 9.6% | |
| 2 | Automotive Repair and MaintenanceNAICS 8111 | 30 | 5.0% | |
| 3 | Offices of Other Health PractitionersNAICS 6213 | 29 | 4.9% | |
| 4 | Child Day Care ServicesNAICS 6244 | 27 | 4.5% | |
| 5 | Services to Buildings and DwellingsNAICS 5617 | 27 | 4.5% | |
| 6 | Building Equipment ContractorsNAICS 2382 | 23 | 3.9% | |
| 7 | Other Specialty Trade ContractorsNAICS 2389 | 17 | 2.9% | |
| 8 | Personal Care ServicesNAICS 8121 | 17 | 2.9% | |
| 9 | Management, Scientific, and Technical Consulting ServicesNAICS 5416 | 16 | 2.7% | |
| 10 | Other Amusement and Recreation IndustriesNAICS 7139 | 15 | 2.5% |
Sectors
| # | NAICS sector | Approvals | Share | |
|---|---|---|---|---|
| 1 | Health Care and Social Assistance | 93 | 15.6% | |
| 2 | Construction | 80 | 13.4% | |
| 3 | Accommodation and Food Services | 71 | 11.9% | |
| 4 | Other Services (except Public Administration) | 62 | 10.4% | |
| 5 | Retail Trade | 62 | 10.4% | |
| 6 | Professional, Scientific, and Technical Services | 51 | 8.6% | |
| 7 | Administrative and Support and Waste Management and Remediation Services | 47 | 7.9% | |
| 8 | Manufacturing | 34 | 5.7% |
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* | 65 | $24.8M | $200K | 11 | $8.9M | 76 | 601 |
| FY2025 | 122 | $43.4M | $200K | 23 | $22.2M | 145 | 1,340 |
| FY2024 | 123 | $65.8M | $200K | 21 | $28.8M | 144 | 1,528 |
| FY2023 | 98 | $53.9M | $246K | 18 | $17.2M | 116 | 1,149 |
| FY2022 | 83 | $49.8M | $300K | 21 | $23.2M | 104 | 919 |
| FY2021 | 71 | $68.9M | $400K | 15 | $14.1M | 86 | 1,290 |
| FY2020 | 50 | $21.7M | $231K | 21 | $16.3M | 71 | 698 |
| FY2019 | 53 | $31.4M | $314K | 13 | $17.4M | 66 | 808 |
| FY2018 | 76 | $45.0M | $261K | 6 | $4.6M | 82 | 803 |
| FY2017 | 57 | $26.2M | $175K | 16 | $18.3M | 73 | 555 |
| FY2016 | 66 | $28.4M | $198K | 6 | $2.4M | 72 | 773 |
In FY2016–FY2020, the five fiscal years before the current window, the county had 364 approvals.
Against Florida and the country
| FY2021–FY2025 | Pasco County | Florida | United States |
|---|---|---|---|
| Approvals | 595 | 26,882 | 342,825 |
| Approvals per 1,000 establishments | 49.7 | 41.6 | 41.0 |
| Median 7(a) approval | $252K | $240K | $190K |
| Median 504 approval | $685K | $624K | $657K |
| Average approval | $651K | $609K | $573K |
| 504 share of approvals | 16.5% | 13.4% | 11.0% |
| Jobs supported per approval, as reported | 10.5 | 10.4 | 10.5 |
| Share of state approvals | 2.2% | 100.0% | — |
Approval sizes
- $50,000 or less17.5%104
- $50,001 to $150,00018.0%107
- $150,001 to $350,00020.3%121
- $350,001 to $1 million25.0%149
- $1 million to $2 million11.1%66
- Over $2 million8.1%48
Age of the businesses
- Existing, more than 2 years old50.4%300
- New business, 2 years or less18.0%107
- Startup, loan funds will open the business22.7%135
- Change of ownership8.9%53
Questions and answers
Which lenders make the most SBA loans in Pasco County?
By approvals in FY2021 to FY2025: Florida Business Development Corporation (56), TD Bank, National Association (54), Wells Fargo Bank National Association (36), Newtek Bank, National Association (32), The Huntington National Bank (31). Volume says how active a lender is, nothing about terms or service.
How large are typical SBA loans in Pasco County?
The median 7(a) approval was $252K and the median 504 approval $685K; the Florida 7(a) median was $240K.
Which industries get the most SBA loans in Pasco County?
Restaurants and Other Eating Places (57); Automotive Repair and Maintenance (30); Offices of Other Health Practitioners (29); Child Day Care Services (27); Services to Buildings and Dwellings (27).
Is SBA lending in Pasco County rising?
Approvals in the three latest complete fiscal years total 405, against 261 in the three before: rising (+55%).
How does Pasco County compare with the rest of Florida?
49.7 approvals per 1,000 establishments against 41.6 statewide, and 595 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