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SBA lender · 7(a) program
Bank of Central Florida
Bank of Central Florida has approved 38 SBA loans worth $31.3M since FY2010. Everything below comes from the SBA’s own loan-level records.
National rank
#926
<0.01% of all SBA dollars
Total approved
$31.3M
FY2010 onward
Loans
38
Median loan
$581,000
+223% vs national
Median rate
6.75%
+0.00 pts vs national
Charge-off rate
-
Cohort too small
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
Reading the record
What Bank of Central Florida’s numbers say
Bank of Central Florida sits in the long tail of the SBA lending field, having approved 38 loans for a gross total of $31.3M since fiscal 2010. Its median loan of $581,000 is substantially larger than the $180,000 national median, a pattern that usually signals a focus on real-estate-backed or acquisition deals rather than small working-capital notes.
The median initial note rate across its 7(a) approvals is 6.75%, essentially the national median. Rate medians drawn across fifteen years reflect the mix of loan sizes and vintages a lender wrote as much as its pricing posture - a lender that grew fastest during a high-rate stretch will look expensive here even if its spread was ordinary.
Roughly 40% of its approvals with a recorded business age went to startups or businesses two years old or less, against 27% nationally - a meaningfully greater appetite for startups than the average SBA lender.
Where Bank of Central Florida lends
| State | Loans | Share |
|---|---|---|
| Florida | 38 |
What it lends against
Franchise brands Bank of Central Florida financed
| Franchise brand | Loans | Approved | Share |
|---|---|---|---|
| Monkee's | 2 | $700K | |
| easyvetclinic | 2 | $626K | |
| Ace Hardware | 1 | $1.5M | |
| The Junkluggers | 1 | $332K | |
| HTeaO | 1 | $530K | |
| Crispy Cones | 1 | $286K |
Brands with the most Bank of Central Florida SBA loans, among brands with at least 10 loans in the file. Compare lenders across all franchise lending on SBA lenders for franchises.
Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.
A different SBA 7(a) lender
SmartBiz is a separate company from Bank of Central Florida. An SBA 7(a) lender and marketplace for loans up to $500,000, plus bank term loans and custom financing. You apply on their site - we do not take applications and never see your information.
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Questions about Bank of Central Florida
- How many SBA loans has Bank of Central Florida approved?
- Bank of Central Florida has approved 38 SBA loans totalling $31,301,100 in gross approvals from fiscal year 2010 through the most recent SBA data release. That places it outside the top 500 among all SBA lenders by dollars approved.
- What is the typical Bank of Central Florida SBA loan size?
- The median gross approval is $581,000, with the middle 80% of loans falling between $286,000 and $1,480,000. The national median across all SBA lenders is $180,000.
- What interest rate does Bank of Central Florida charge on SBA 7(a) loans?
- The median initial note rate on Bank of Central Florida's 7(a) approvals is 6.75%, compared with a national median of 6.75%. This is a historical median across all approvals since FY2010, not a quote - SBA 7(a) rates are pegged to a base rate that moves, and your rate depends on loan size, term, and credit profile.
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