58 SBA loans worth $36.4M went to businesses in Fernandina Beach, FL between October 2021 and June 2026, from 21 lenders. First Port City Bank made the most, 7 loans. The median loan was $345,500, compared with $250,000 across Florida, and restaurants and hotels was the most financed industry.
| # | Lender | Loans | Approved | Median loan | To startups |
|---|---|---|---|---|---|
| 1 | First Port City Bank Bank · Bainbridge, GA | 7 | $7.5M | $1,017,600 | 86% |
| 2 | Florida First Capital Finance Corporation Certified development company · Tallahassee, FL | 6 | $4.7M | $723,000 | 0% |
| 3 | Pineland Bank Bank · Alma, GA | 6 | $3.2M | $520,000 | 100% |
| 4 | Huntington National Bank Bank · Columbus, OH | 6 | $1.2M | $249,500 | 83% |
| 5 | Newtek Bank Bank · Miami, FL | 5 | $558K | $54,000 | 80% |
| 6 | Florida Business Development Certified development company · Tampa, FL | 3 | $2.8M | $414,000 | 33% |
| 7 | United Community Bank Bank · Greenville, SC | 3 | $1.7M | $400,000 | 33% |
| 8 | BayFirst National Bank Bank · St. Petersburg, FL | 3 | $380K | $150,000 | 0% |
| 9 | Northeast Bank Bank · Portland, ME | 3 | $363K | $133,200 | 0% |
| 10 | Live Oak Banking Bank · Wilmington, NC | 2 | $6.1M | $3,070,000 | 50% |
| 11 | Primesouth Bank Bank · Blackshear, GA | 2 | $1.8M | $918,500 | 50% |
| 12 | Celtic Bank Bank · Salt Lake City, UT | 2 | $271K | $135,400 | 0% |
| 13 | Wells Fargo Bank Bank · Sioux Falls, SD | 2 | $20K | $10,000 | 100% |
| 14 | Seacoast National Bank Bank · Stuart, FL | 1 | $1.9M | $1,900,000 | 0% |
| 15 | North State Bank Bank · Raleigh, NC | 1 | $1.3M | $1,344,000 | 100% |
| Industry | Loans | Share | Median loan | Most active lender |
|---|---|---|---|---|
| Restaurants and hotels | 13 | $645,000 | Pineland Bank | |
| Health care and social assistance | 11 | $339,800 | First Port City Bank | |
| Construction | 7 | $180,000 | Wells Fargo Bank | |
| Retail | 5 | $651,000 | Florida First Capital Finance Corporation | |
| Professional and technical services | 5 | $250,000 | BayFirst National Bank | |
| Arts, entertainment and recreation | 4 | $354,500 | Newtek Bank | |
| Other services (repair, personal care) | 3 | $400,000 | United Community Bank | |
| Administrative and support services | 3 | $135,400 | Celtic Bank |