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SBA lenders in Winter Haven, FL

SBA 7(a) and 504 loans to businesses in Winter Haven (Polk County), October 2021 to June 30, 2026 · Updated October 15, 2026
64
SBA loans approved
$28.0M
Total approved
$183,350
Median loan
30
Lenders active
41%
To startups

64 SBA loans worth $28.0M went to businesses in Winter Haven, FL between October 2021 and June 2026, from 30 lenders. Huntington National Bank made the most, 10 loans. The median loan was $183,350, compared with $250,000 across Florida, and health care and social assistance was the most financed industry.

Most active SBA lenders in Winter Haven

#LenderLoansApprovedMedian loanTo startups
1Huntington National Bank
Bank · Columbus, OH
10$3.2M$222,35070%
2TD Bank
Bank · Wilmington, DE
6$2.0M$55,00050%
3Wells Fargo Bank
Bank · Sioux Falls, SD
5$77K$15,000100%
4Florida First Capital Finance Corporation
Certified development company · Tallahassee, FL
4$1.6M$368,5000%
5Northeast Bank
Bank · Portland, ME
4$314K$61,25025%
6Celtic Bank
Bank · Salt Lake City, UT
3$993K$149,60033%
7Readycap Lending
Non-bank lender · Berkeley Heights, NJ
3$400K$79,5000%
8First Internet Bank of Indiana
Bank · Fishers, IN
2$2.9M$1,439,5000%
9Florida Business Development
Certified development company · Tampa, FL
2$1.4M$719,0000%
10Climate First Bank
Bank · St. Petersburg, FL
2$1.3M$650,0000%
11United Midwest Savings Bank
Bank · Degraff, OH
2$300K$150,00050%
12BayFirst National Bank
Bank · St. Petersburg, FL
2$275K$137,5000%
13Newtek Bank
Bank · Miami, FL
2$195K$97,5000%
14Byline Bank
Bank · Chicago, IL
1$4.0M$4,000,000100%
15PromiseOne Bank
Bank · Duluth, GA
1$1.8M$1,800,000100%
7(a) and 504 lenders combined, ranked by number of loans to businesses in Winter Haven. For 504 loans the lender shown is the certified development company.

What gets financed in Winter Haven

IndustryLoansShareMedian loanMost active lender
Health care and social assistance10
16%
$411,500Florida First Capital Finance Corporation
Retail10
16%
$644,250TD Bank
Administrative and support services9
14%
$80,500Northeast Bank
Professional and technical services8
12%
$114,750Huntington National Bank
Other services (repair, personal care)6
9%
$319,500Citizens Bank
Construction4
6%
$626,000Climate First Bank
Real estate and rental3
5%
$55,000Byline Bank
Transportation and warehousing3
5%
$25,000Huntington National Bank
Loan size mix
  • Under $150,00036%
  • $150,000 to $500,00036%
  • $500,000 to $2 million25%
  • $2 million and up3%
Compared with Florida
Median loan, Winter Haven
$183,350
Median loan, Florida
$250,000
Startup share, Winter Haven
41%
Startup share, Florida
29%
Share of state's SBA loans
0.2%

SBA loans per fiscal year in Winter Haven

0102030FY14: 2 loansFY14FY15: 7 loansFY15FY16: 10 loansFY16FY17: 10 loansFY17FY18: 18 loansFY18FY19: 8 loansFY19FY20: 9 loansFY20FY21: 10 loansFY21FY22: 9 loansFY22FY23: 11 loansFY23FY24: 13 loansFY24FY25: 22 loansFY2522FY26 (Oct to Jun): 9 loansFY269
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.