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SBA lenders in Gulf Breeze, FL

SBA 7(a) and 504 loans to businesses in Gulf Breeze (Santa Rosa County), October 2021 to June 30, 2026 · Updated October 15, 2026
34
SBA loans approved
$19.1M
Total approved
$174,000
Median loan
22
Lenders active
50%
To startups

34 SBA loans worth $19.1M went to businesses in Gulf Breeze, FL between October 2021 and June 2026, from 22 lenders. Huntington National Bank made the most, 4 loans. The median loan was $174,000, compared with $250,000 across Florida, and health care and social assistance was the most financed industry.

Most active SBA lenders in Gulf Breeze

#LenderLoansApprovedMedian loanTo startups
1Huntington National Bank
Bank · Columbus, OH
4$628K$149,000100%
2Gulf Coast Bank and Trust
Bank · New Orleans, LA
2$3.6M$1,802,500100%
3Live Oak Banking
Bank · Wilmington, NC
2$2.6M$1,300,0000%
4Florida First Capital Finance Corporation
Certified development company · Tallahassee, FL
2$2.6M$1,291,5000%
5Florida Business Development
Certified development company · Tampa, FL
2$958K$479,00050%
6First Bank of the Lake
Bank · Osage Beach, MO
2$885K$442,350100%
7Northwest Bank
Bank · Warren, PA
2$555K$277,500100%
8Northeast Bank
Bank · Portland, ME
2$250K$125,0000%
9United Midwest Savings Bank
Bank · Degraff, OH
2$250K$125,000100%
10Readycap Lending
Non-bank lender · Berkeley Heights, NJ
2$74K$37,2500%
11Fifth Third Bank
Bank · Cincinnati, OH
1$2.6M$2,592,900100%
12Newtek Bank
Bank · Miami, FL
1$1.7M$1,720,0000%
13Renasant Bank
Bank · Tupelo, MS
1$764K$764,2000%
14First Merchants Bank
Bank · Muncie, IN
1$708K$708,000100%
15Bank of America
Bank · Charlotte, NC
1$300K$300,0000%
7(a) and 504 lenders combined, ranked by number of loans to businesses in Gulf Breeze. For 504 loans the lender shown is the certified development company.

What gets financed in Gulf Breeze

IndustryLoansShareMedian loanMost active lender
Health care and social assistance5
15%
$1,000,000Florida First Capital Finance Corporation
Administrative and support services4
12%
$125,000Community Bank of Mississippi
Restaurants and hotels4
12%
$146,500Huntington National Bank
Retail4
12%
$762,100Florida Business Development
Real estate and rental3
9%
$68,200United Midwest Savings Bank
Professional and technical services3
9%
$300,000Regions Bank
Construction3
9%
$150,000Live Oak Banking
Arts, entertainment and recreation2
6%
$442,350First Bank of the Lake
Loan size mix
  • Under $150,00041%
  • $150,000 to $500,00024%
  • $500,000 to $2 million29%
  • $2 million and up6%
Compared with Florida
Median loan, Gulf Breeze
$174,000
Median loan, Florida
$250,000
Startup share, Gulf Breeze
50%
Startup share, Florida
29%
Share of state's SBA loans
0.1%

SBA loans per fiscal year in Gulf Breeze

071320FY14: 2 loansFY14FY15: 8 loansFY15FY16: 10 loansFY16FY17: 4 loansFY17FY18: 5 loansFY18FY19: 10 loansFY19FY20: 8 loansFY20FY21: 4 loansFY21FY22: 6 loansFY22FY23: 2 loansFY23FY24: 8 loansFY24FY25: 12 loansFY2512FY26 (Oct to Jun): 6 loansFY266
Fiscal year runs October to September. Fiscal 2026 covers October 2025 to June 2026 only.
Data from the U.S. Small Business Administration's public 7(a) and 504 loan records (through June 30, 2026) and FDIC call-report data (quarter ending June 30, 2026). US Lender Metrics is not affiliated with the SBA, FDIC, FFIEC, NCUA or any lender, is not a lender or loan broker, and does not make credit decisions. Information only; not financial, legal or lending advice. © 2026 US Lender Metrics.