# Small business loans in Brandon, FL

**Short answer:** The most active SBA lenders in Brandon, FL since FY2024 are Newtek Bank (6 loans) and Live Oak Banking Company (5). The median loan was $238,500, and half fell between $100,000 and $593,750. For free help, see the Florida SBDC Network. Source: SBA 7(a) loan data.

Canonical page: https://www.sbaexpress.loans/florida-small-business-loans/brandon/
Data as of: 2026-06-30

## Lenders making SBA loans in Brandon

No lender made more than 11% of the loans in Brandon, and Newtek Bank made the most. The three largest lenders together made 30%.

**Lenders with five or more SBA loans in Brandon, FL, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | 6 | 11.1% |
| [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 5 | 9.3% |
| [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 5 | 9.3% |

Share is the percent of all Brandon loans in that period. Each name links to that lender's page for Florida where one exists.

Brandon has three lenders with five or more loans since FY2024. Others had fewer, and the Florida page counts 272 lenders with at least one approved loan statewide.

## Local help near Brandon

Brandon borrowers can start with SBA's district offices for Florida, an SBDC or SCORE.

41% of Brandon borrowers since FY2024 were startups or businesses two years old or younger. SBDCs provide counseling and training, and SCORE mentors give advice at no cost, according to SBA.

SBA runs two district offices that cover Florida. Each page points to state and federal resources and to lenders in its area. The Florida SBDC Network gives free counseling across Florida.

- [SBA North Florida District Office (Jacksonville and Orlando): SBA district office](https://www.sba.gov/district/north-florida)
- [SBA South Florida District Office (Miami, Fort Pierce and Tampa): SBA district office](https://www.sba.gov/district/south-florida)
- [Florida SBDC Network (University of West Florida): Small Business Development Center](https://floridasbdc.org/)
- [SCORE mentors in Florida: Business mentoring](https://www.score.org/fl/)

Alongside SBA loans, Florida runs a loan program. The [Florida page](https://www.sbaexpress.loans/florida-small-business-loans/#loan-programs-in-florida) describes it, and the official page is linked here.

- [Florida SSBCI small business programs](https://floridajobs.org/business-growth/State-Small-Business-Credit-Initiative/for-businesses)

## Loan counts and sizes in Brandon

Brandon ranks 52nd by loans since FY2024 among the 55 Florida cities with 100 or more SBA loans since FY2020. Nationally it is the 499th busiest of the 580 cities that reach 100 loans.

The 54 loans, 0.4% of the 12,780 in Florida, were approved for $24.9 million in all. The median loan was $238,500, 59% above the national median of $150,300. Half of the loans fell between $100,000 and $593,750. The Brandon median is 5% above the Florida median of $226,250.

**Brandon, FL compared with Florida and the nation, loans from FY2024 to June 2026**

| Measure | Brandon | Florida | U.S. |
| --- | --- | --- | --- |
| Loans | 54 | 12,780 | 162,355 |
| Median loan | $238,500 | $226,250 | $150,300 |
| 25th percentile | $100,000 | $90,000 | $50,000 |
| 75th percentile | $593,750 | $500,000 | $500,000 |
| Via SBA Express | 27.8% | 30.0% | 35.8% |
| Lines of credit | 24.1% | 26.1% | 28.1% |
| Startups | 16.7% | 15.1% | 16.1% |
| Ownership changes | 9.3% | 10.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 3.0 | 2.75 |
| Charged off | Fewer than 5 | 6.1% | 3.6% |

A quarter of loans were smaller than the 25th percentile loan and a quarter were larger than the 75th. Median spread is in percentage points over Prime. Charged off is the share of FY2020 to FY2022 loans a lender wrote off as a loss. It is shown only for groups of 30 loans or more. Fewer than 5 marks a share that would stand for 1 to 4 loans, which we do not publish. U.S. covers every loan in the file.

72% of the loans were $500,000 or less, the size SBA Express covers. 27.8% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 24.1% of loans, below the national 28.1%.

SBA loans in Brandon, FL by size, FY2024 to June 2026

- $50,000 or less (19%): 10
- $50,001 to $150,000 (28%): 15
- $150,001 to $350,000 (15%): 8
- $350,001 to $500,000 (11%): 6
- $500,001 to $1,000,000 (15%): 8
- $1,000,001 to $2,000,000 (9%): 5
- Over $2,000,000: Fewer than 5

Labels show each size's share of all loans. The highlighted bar is the size band that contains the median.

By business age, 50.0% of loans went to businesses more than two years old and 24.1% to businesses two years old or younger. Startups received 16.7% and changes of ownership 9.3%.

SBA loans in Brandon, FL by fiscal year

- FY2020: 11
- FY2021: 17
- FY2022: 8
- FY2023: 32
- FY2024: 13
- FY2025: 28
- FY2026 (through June 30): 13

Fiscal years run October to September. The last bar covers nine of its twelve months.

Volume rose 115% from FY2024 (13 loans) to FY2025 (28), the two latest full years. The busiest full year in the file was FY2023, with 32 loans. FY2026 already shows 13 loans through June 30.

Of the 36 loans Brandon borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 314 jobs supported across the 54 loans since FY2024, about 5.8 per loan. SBA does not audit these estimates.

## What businesses in Brandon borrow for

Fitness and Recreational Sports Centers was the largest borrower group in Brandon since FY2020, with 6 loans or 4.9% of the total.

The three largest industries made up 14% of all Brandon loans since FY2020.

**Industries with the most SBA loans in Brandon, FL, FY2020 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Fitness and Recreational Sports Centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/florida/) | 6 | 4.9% | 2.1% |
| [Offices of Dentists](https://www.sbaexpress.loans/industries/offices-of-dentists/florida/) | 6 | 4.9% | 1.1% |
| [Offices of All Other Miscellaneous Health Practitioners](https://www.sbaexpress.loans/industries/offices-of-all-other-miscellaneous-health-practitioners/florida/) | 5 | 4.1% | 0.9% |

Share is the percent of all Brandon loans in that period. Industry is the NAICS code on each loan. A name links to the Florida page for that industry where one exists.

## A typical loan payment in Brandon

The median Brandon loan was $238,500 with a median term of 10 years.

The median variable-rate loan in Brandon was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $238,500 over 10 years, principal and interest would come to about $3,119 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Brandon loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $100,000 | $1,308 |
| Median loan | $238,500 | $3,119 |
| 75th percentile loan | $593,750 | $7,764 |

Principal and interest only. Fees, a different term or a fixed rate change the payment. This is an illustration from SBA's file, not an offer.

SBA's rate ceiling for this loan size

SBA's maximum for a loan of $238,500 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.2 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Brandon loans approved since FY2024 had a median starting rate of 10.12% at approval, against 10.25% nationally. Prime changed during those years, so use the spread above, not that rate, as the guide to today's cost.

Run your own numbers: [payments on a $250,000 loan](https://www.sbaexpress.loans/loan-amounts/250000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Brandon

Brandon has 10 SBA 504 loans since FY2024, with $12.0 million in SBA and CDC dollars.

The median 504 loan in Brandon was $570,500 in SBA and CDC dollars, 11% of the $5,000,000 program maximum. The bank's share of each project is separate and is not counted in these figures.

Florida Business Development Corporation is the Certified Development Company (CDC) named on the most loans since FY2020, with 13. Florida First Capital Finance Corporation, Inc. follows with 11. The two CDCs listed are named on 24 loans between them.

**CDCs named on five or more 504 loans in Brandon, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Florida Business Development Corporation | 13 |
| Florida First Capital Finance Corporation, Inc. | 11 |

How a 504 loan is split

A standard 504 project is 50% third party lender, 40% CDC debenture, 10% borrower. 504 money pays for major fixed assets such as land, buildings and long-term machinery and equipment, not working capital or inventory. Source: SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221). SBA keeps a [list of Certified Development Companies](https://www.sba.gov/loans/504-loans/list-of-certified-development-companies/).

## Florida cities near Brandon

Brandon made up 0.4% of Florida's SBA loans since FY2024.

Brandon is one of 55 Florida cities with 100 or more SBA loans since FY2020. The [Florida page](https://www.sbaexpress.loans/florida-small-business-loans/) covers all 12,780 loans in Florida. The closest come first, ranked by county and ZIP code on their loans.

- [Riverview: 44 loans, median $175,000](https://www.sbaexpress.loans/florida-small-business-loans/riverview/)
- [Tampa: 556 loans, median $300,000](https://www.sbaexpress.loans/florida-small-business-loans/tampa/)
- [Wesley Chapel: 69 loans, median $185,000](https://www.sbaexpress.loans/florida-small-business-loans/wesley-chapel/)
- [Lake Worth: 64 loans, median $100,000](https://www.sbaexpress.loans/florida-small-business-loans/lake-worth/)
- [Jupiter: 96 loans, median $286,000](https://www.sbaexpress.loans/florida-small-business-loans/jupiter/)
- [Delray Beach: 121 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/delray-beach/)
- [Deerfield Beach: 49 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/deerfield-beach/)
- [Boca Raton: 245 loans, median $170,000](https://www.sbaexpress.loans/florida-small-business-loans/boca-raton/)

## Common questions about SBA loans in Brandon

### Which lenders make the most SBA loans in Brandon?

Newtek Bank leads with 6 loans in Brandon since FY2024. Live Oak Banking Company (5) and TD Bank (5) follow. Only lenders with five or more Brandon loans are counted.

### Which industries get SBA loans in Brandon?

Fitness and Recreational Sports Centers leads with 6 loans in Brandon since FY2020. Offices of Dentists (6) and Offices of All Other Miscellaneous Health Practitioners (5) follow.

How to read this

Counts come from SBA's 7(a) loan-level data release, as of June 30, 2026. The file lists loans SBA approved. It does not list declined applications, so it cannot show approval odds. We do not publish any figure built on fewer than 5 loans. Location is the borrower's address in the file, and city names are as SBA recorded them. Recent means FY2024 through June 30, 2026. Charge-off rates use FY2020 to FY2022 loans, the only years old enough to have had time to go bad. Jobs supported are lender-reported estimates. [How we build these pages](https://www.sbaexpress.loans/method/).

## Sources

- [SBA 7(a) and 504 FOIA loan-level data, as of June 30, 2026](https://data.sba.gov/dataset/7a-504-foia)
- [SBA, 504 loans](https://www.sba.gov/loans/504-loans/)
- [SBA, resource partners: SBDCs and SCORE](https://www.sba.gov/counseling/local-assistance/resource-partners/)
- [SBA North Florida District Office (Jacksonville and Orlando)](https://www.sba.gov/district/north-florida)
- [SBA South Florida District Office (Miami, Fort Pierce and Tampa)](https://www.sba.gov/district/south-florida)
- [Florida SBDC Network (University of West Florida)](https://floridasbdc.org/)
- [SCORE, Florida](https://www.score.org/fl/)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. D.1 (p. 241); 13 CFR § 120.931](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [SOP 50 10 8.1, Sec. C, Ch. 1, Para. B (p. 221)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [sba.gov/loans/504-loans; SOP 50 10 8.1, Sec. A, Ch. 3, Para. A (p. 51)](https://www.sba.gov/loans/504-loans/)
- [SOP 50 10 8.1, Sec. B, Ch. 2, Para. B.1 (p. 126)](https://legacy.sba.gov/sites/default/files/2026-10/SOP%2050%2010%208.1%20Technical%20Policy%20Updates%20effective%20%2010.1.2026.docx)
- [13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)