# Small business loans in Palm Beach Gardens, FL

**Short answer:** The most active SBA lenders in Palm Beach Gardens, FL since FY2024 are TD Bank (10 loans) and The Huntington National Bank (6). The median loan was $280,000, and half fell between $83,300 and $635,000. For free help, see the Florida SBDC Network. Source: SBA 7(a) loan data.

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

## Lenders making SBA loans in Palm Beach Gardens

No lender made more than 18% of the loans in Palm Beach Gardens, and TD Bank made the most.

**Lenders with five or more SBA loans in Palm Beach Gardens, FL, FY2024 to June 2026**

| Lender | Loans | Share |
| --- | --- | --- |
| [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 10 | 17.5% |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/florida/) | 6 | 10.5% |

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

Palm Beach Gardens has two 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 Palm Beach Gardens

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

32% of Palm Beach Gardens 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 Palm Beach Gardens

Palm Beach Gardens ranks 50th by loans since FY2024 among the 55 Florida cities with 100 or more SBA loans since FY2020. Nationally it is the 479th busiest of the 580 cities that reach 100 loans.

The 57 loans, 0.4% of the 12,780 in Florida, were approved for $37.9 million in all. The median loan was $280,000, 86% above the national median of $150,300. Half of the loans fell between $83,300 and $635,000. The Palm Beach Gardens median is 24% above the Florida median of $226,250.

**Palm Beach Gardens, FL compared with Florida and the nation, loans from FY2024 to June 2026**

| Measure | Palm Beach Gardens | Florida | U.S. |
| --- | --- | --- | --- |
| Loans | 57 | 12,780 | 162,355 |
| Median loan | $280,000 | $226,250 | $150,300 |
| 25th percentile | $83,300 | $90,000 | $50,000 |
| 75th percentile | $635,000 | $500,000 | $500,000 |
| Via SBA Express | 29.8% | 30.0% | 35.8% |
| Lines of credit | 22.8% | 26.1% | 28.1% |
| Startups | 19.3% | 15.1% | 16.1% |
| Ownership changes | 14.0% | 10.5% | 10.4% |
| Median term | 10 years | 10 years | 10 years |
| Median spread | 2.75 | 3.0 | 2.75 |
| Charged off | n/a | 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.

29.8% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 22.8% of loans, below the national 28.1%.

SBA loans in Palm Beach Gardens, FL by size, FY2024 to June 2026

- $50,000 or less (21%): 12
- $50,001 to $150,000 (21%): 12
- $150,001 to $350,000 (18%): 10
- $350,001 to $500,000: Fewer than 5
- $500,001 to $1,000,000 (18%): 10
- $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, 54.4% of loans went to businesses more than two years old and 12.3% to businesses two years old or younger. Startups received 19.3% and changes of ownership 14.0%. The national startup share is 16.1%.

SBA loans in Palm Beach Gardens, FL by fiscal year

- FY2020: 9
- FY2021: 9
- FY2022: 8
- FY2023: 17
- FY2024: 25
- FY2025: 20
- FY2026 (through June 30): 12

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

Volume fell 20% from FY2024 (25 loans) to FY2025 (20), the two latest full years. The busiest full year in the file was FY2024, with 25 loans. FY2026 already shows 12 loans through June 30.

Only 26 Palm Beach Gardens loans date from FY2020 to FY2022, too few for a charge-off rate that means anything. Lenders reported 561 jobs supported across the 57 loans since FY2024, about 9.8 per loan. SBA does not audit these estimates.

## What businesses in Palm Beach Gardens borrow for

Offices of Lawyers was the largest borrower group in Palm Beach Gardens since FY2020, with 5 loans or 5.0% of the total.

The three largest industries made up 15% of all Palm Beach Gardens loans since FY2020.

**Industries with the most SBA loans in Palm Beach Gardens, FL, FY2020 to June 2026**

| Industry | Loans | Share | U.S. share |
| --- | --- | --- | --- |
| [Offices of Lawyers](https://www.sbaexpress.loans/industries/offices-of-lawyers/florida/) | 5 | 5.0% | 0.9% |
| [Other Personal Care Services](https://www.sbaexpress.loans/industries/other-personal-care-services/) | 5 | 5.0% | 1.2% |
| [Pet Care (except Veterinary) Services](https://www.sbaexpress.loans/industries/pet-care-services/) | 5 | 5.0% | 0.9% |

Share is the percent of all Palm Beach Gardens 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 Palm Beach Gardens

The median Palm Beach Gardens loan was $280,000 with a median term of 10 years.

The median variable-rate loan in Palm Beach Gardens was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $280,000 over 10 years, principal and interest would come to about $3,662 a month. That is arithmetic on past loans, not a rate a lender is offering.

**Payment at today's rate on three Palm Beach Gardens loan sizes over 10 years**

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $83,300 | $1,089 |
| Median loan | $280,000 | $3,662 |
| 75th percentile loan | $635,000 | $8,304 |

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 $280,000 is Prime plus 4.5 percentage points, or 11.50% today. The median variable-rate loan here was priced 1.8 points under that ceiling. Source: 13 CFR § 120.214(d)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395).

Palm Beach Gardens loans approved since FY2024 had a median starting rate of 10.5% 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 $300,000 loan](https://www.sbaexpress.loans/loan-amounts/300000-business-loan/) and [SBA Express payment calculator](https://www.sbaexpress.loans/sba-express-payment-calculator/).

## SBA 504 loans near Palm Beach Gardens

The 504 file lists fewer than five loans in Palm Beach Gardens since FY2020.

That is too few to publish a count, a dollar total or a median for Palm Beach Gardens.

No Certified Development Company (CDC) is named on five or more 504 loans in Palm Beach Gardens, so the list below is Florida's. Florida Business Development Corporation is named on the most there, 809 loans since FY2024.

**CDCs named on five or more 504 loans in Florida, FY2024 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Florida Business Development Corporation | 809 |
| Florida First Capital Finance Corporation, Inc. | 792 |
| Sunshine State Economic Development Corporation | 90 |
| Independent Development Services Corporation | 8 |

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 Palm Beach Gardens

Palm Beach Gardens made up 0.4% of Florida's SBA loans since FY2024.

Palm Beach Gardens 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.

- [West Palm Beach: 217 loans, median $250,000](https://www.sbaexpress.loans/florida-small-business-loans/west-palm-beach/)
- [Boynton Beach: 105 loans, median $250,000](https://www.sbaexpress.loans/florida-small-business-loans/boynton-beach/)
- [Boca Raton: 245 loans, median $170,000](https://www.sbaexpress.loans/florida-small-business-loans/boca-raton/)
- [Delray Beach: 121 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/delray-beach/)
- [Jupiter: 96 loans, median $286,000](https://www.sbaexpress.loans/florida-small-business-loans/jupiter/)
- [Lake Worth: 64 loans, median $100,000](https://www.sbaexpress.loans/florida-small-business-loans/lake-worth/)
- [Deerfield Beach: 49 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/deerfield-beach/)
- [Sunrise: 77 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/sunrise/)

## Common questions about SBA loans in Palm Beach Gardens

### Which lenders make the most SBA loans in Palm Beach Gardens?

TD Bank leads with 10 loans in Palm Beach Gardens since FY2024. The Huntington National Bank (6) follows. Only lenders with five or more Palm Beach Gardens loans are counted.

### Which industries get SBA loans in Palm Beach Gardens?

Offices of Lawyers leads with 5 loans in Palm Beach Gardens since FY2020. Other Personal Care Services (5) and Pet Care (except Veterinary) Services (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)(3); SOP 50 10 8.1, App. 18, Para. A.2 (p. 395)](https://www.ecfr.gov/current/title-13/section-120.214)