SBA 7(a) lenders in Gulf, FL
Approvals in SBA fiscal years 2009–2026. Source data as of 2026-06-30.
Lenders
13 institutions have SBA 7(a) loans on record in Gulf, together $8.1M across 16 loans. Centennial Bank is the largest, with 37% of approvals.
| Rank | Lender | Loans | Approved | Share | Loss rate |
|---|---|---|---|---|---|
| 1 | Centennial Bank | 2 | $3.0M | 37.1% | 0.00% |
| 2 | Banc of California | 1 | $1.7M | 21.6% | 0.00% |
| 3 | Wells Fargo Bank National Association | 2 | $1.3M | 16.2% | 0.00% |
| 4 | The Bancorp Bank National Association | 1 | $610K | 7.6% | 0.00% |
| 5 | Community Bank of Mississippi | 1 | $465K | 5.8% | 0.00% |
| 6 | Northeast Bank | 2 | $330K | 4.1% | 0.00% |
| 7 | BayFirst National Bank | 1 | $150K | 1.9% | 0.00% |
| 8 | Colony Bank | 1 | $140K | 1.7% | 0.00% |
| 9 | The Huntington National Bank | 1 | $100K | 1.2% | 0.00% |
| 10 | Stearns Bank National Association | 1 | $90K | 1.1% | 0.00% |
| 11 | SouthState Bank, National Association | 1 | $79K | 1.0% | 0.00% |
| 12 | Celtic Bank Corporation | 1 | $37K | 0.5% | 0.00% |
| 13 | VelocitySBA, LLC | 1 | $25K | 0.3% | 0.00% |
Loss rates cover every approval year on record together. SBA 7(a) losses peak two to four years after approval, so a lender whose lending is mostly recent will show a low rate because its loans have not aged yet, not because they are performing better.
What the money went into
| Rank | Industry | Loans | Approved | Share of county |
|---|---|---|---|---|
| 1 | Retail trade | 2 | $3.0M | 37.2% |
| 2 | Accommodation & food services | 2 | $2.2M | 27.3% |
| 3 | Real estate & leasing | 2 | $1.3M | 16.2% |
| 4 | Construction | 6 | $1.2M | 14.9% |
| 5 | Administrative & waste services | 2 | $169K | 2.1% |
| 6 | Arts, entertainment & recreation | 1 | $140K | 1.7% |
| 7 | Other services | 1 | $37K | 0.5% |
Industry is the borrower’s NAICS sector as recorded by SBA at approval, grouped to the two-digit sector.
About this data
Built from the U.S. Small Business Administration’s 7(a) FOIA data release, a public record covering approvals from fiscal year 2008 onward and refreshed each quarter. SBA fiscal years end 30 September, so the most recent year is partial. Figures are approvals, not outstanding balances, and SBA attributes each loan to the institution that holds it today rather than the one that originated it — an acquisitive lender therefore shows books it did not write.