# Small business loans in Miramar, FL

**Short answer:** The most active SBA lenders in Miramar, FL since FY2024 are TD Bank (13 loans) and Readycap Lending, LLC (9). The median loan was $150,000, and half fell between $45,700 and $332,000. For free help, see the Florida SBDC Network. Source: SBA 7(a) loan data.

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

## Lenders making SBA loans in Miramar

No lender made more than 16% of the loans in Miramar, and TD Bank made the most. The five largest lenders together made 48%.

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

| Lender | Loans | Share |
| --- | --- | --- |
| [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 13 | 16.5% |
| [Readycap Lending, LLC](https://www.sbaexpress.loans/sba-express-lenders/readycap-lending-llc/): Non-bank lender | 9 | 11.4% |
| [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/florida/) | 6 | 7.6% |
| [Northeast Bank](https://www.sbaexpress.loans/sba-express-lenders/northeast-bank/) | 5 | 6.3% |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/florida/) | 5 | 6.3% |

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

## Local help near Miramar

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

30% of Miramar 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 Miramar

Miramar ranks 35th by loans since FY2024 among the 55 Florida cities with 100 or more SBA loans since FY2020. Nationally it is the 294th busiest of the 580 cities that reach 100 loans.

The 79 loans, 0.6% of the 12,780 in Florida, were approved for $25.1 million in all. The median loan was $150,000, close to the national median of $150,300. Half of the loans fell between $45,700 and $332,000. The Miramar median is 34% below the Florida median of $226,250.

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

| Measure | Miramar | Florida | U.S. |
| --- | --- | --- | --- |
| Loans | 79 | 12,780 | 162,355 |
| Median loan | $150,000 | $226,250 | $150,300 |
| 25th percentile | $45,700 | $90,000 | $50,000 |
| 75th percentile | $332,000 | $500,000 | $500,000 |
| Via SBA Express | 36.7% | 30.0% | 35.8% |
| Lines of credit | 34.2% | 26.1% | 28.1% |
| Startups | 12.7% | 15.1% | 16.1% |
| Ownership changes | n/a | 10.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 3.0 | 3.0 | 2.75 |
| Charged off | 12.8% | 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.

87% of the loans were $500,000 or less, the size SBA Express covers. 36.7% of all loans went through SBA Express, close to the national 35.8%. Lines of credit were 34.2% of loans, above the national 28.1%.

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

- $50,000 or less (33%): 26
- $50,001 to $150,000 (28%): 22
- $150,001 to $350,000 (18%): 14
- $350,001 to $500,000 (9%): 7
- $500,001 to $1,000,000: Fewer than 5
- $1,000,001 to $2,000,000: Fewer than 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.

SBA loans in Miramar, FL by fiscal year

- FY2020: 12
- FY2021: 12
- FY2022: 15
- FY2023: 25
- FY2024: 36
- FY2025: 31
- FY2026 (through June 30): 12

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

Volume fell 14% from FY2024 (36 loans) to FY2025 (31), the two latest full years. The busiest full year in the file was FY2024, with 36 loans. FY2026 already shows 12 loans through June 30.

Of the 39 loans Miramar borrowers received in FY2020 to FY2022, 12.8% were charged off by June 30, 2026, against 3.6% nationally. That group is small, so treat the rate as rough. Lenders reported 631 jobs supported across the 79 loans since FY2024, about 8.0 per loan. SBA does not audit these estimates.

## What businesses in Miramar borrow for

Home Health Care Services was the largest borrower group in Miramar, with 5 loans or 6.3% of the total.

**Industries with the most SBA loans in Miramar, FL, FY2024 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Home Health Care Services](https://www.sbaexpress.loans/industries/home-health-care-services/florida/) | 5 | 6.3% | 1.0% |

Share is the percent of all Miramar 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 Miramar

The median Miramar loan was $150,000 with a median term of 10 years.

The median variable-rate loan in Miramar was priced at Prime plus 3.0 percentage points at approval. At today's Prime that spread works out to 10.00%. On $150,000 over 10 years, principal and interest would come to about $1,982 a month. That is arithmetic on past loans, not a rate a lender is offering.

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

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $45,700 | $604 |
| Median loan | $150,000 | $1,982 |
| 75th percentile loan | $332,000 | $4,387 |

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 $150,000 is Prime plus 6.0 percentage points, or 13.00% today. The median variable-rate loan here was priced 3.0 points under that ceiling. Source: 13 CFR § 120.214(d)(2); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Miramar loans approved since FY2024 had a median starting rate of 11.25% 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 $150,000 loan](https://www.sbaexpress.loans/loan-amounts/150000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Miramar

Miramar has 9 SBA 504 loans since FY2020, with $9.5 million in SBA and CDC dollars.

Fewer than five of them came in FY2024 or later, so no recent median is published. The bank's share of each project is separate and is not counted in these figures.

Florida Business Development Corporation is the one Certified Development Company (CDC) named on five or more loans, 6 since FY2020.

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

| Certified Development Company | 504 loans |
| --- | --- |
| Florida Business Development Corporation | 6 |

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 Miramar

Miramar made up 0.6% of Florida's SBA loans since FY2024.

Miramar 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.

- [Pembroke Pines: 93 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/pembroke-pines/)
- [Hollywood: 136 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/hollywood/)
- [Coral Springs: 109 loans, median $220,000](https://www.sbaexpress.loans/florida-small-business-loans/coral-springs/)
- [Pompano Beach: 156 loans, median $300,000](https://www.sbaexpress.loans/florida-small-business-loans/pompano-beach/)
- [Fort Lauderdale: 272 loans, median $242,500](https://www.sbaexpress.loans/florida-small-business-loans/fort-lauderdale/)
- [Davie: 95 loans, median $192,500](https://www.sbaexpress.loans/florida-small-business-loans/davie/)
- [Plantation: 85 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/plantation/)
- [Weston: 54 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/weston/)

## Common questions about SBA loans in Miramar

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

TD Bank leads with 13 loans in Miramar since FY2024. Readycap Lending, LLC (9) and Wells Fargo Bank (6) follow. Only lenders with five or more Miramar loans are counted.

### Which industries get SBA loans in Miramar?

Home Health Care Services leads with 5 loans in Miramar since FY2024.

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)