# Small business loans in Winter Garden, FL

**Short answer:** The most active SBA lenders in Winter Garden, FL since FY2024 are The Huntington National Bank (12 loans) and Newtek Bank (9). The median loan was $250,000, and half fell between $97,575 and $618,375. For free help, see the Florida SBDC Network. Source: SBA 7(a) loan data.

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

## Lenders making SBA loans in Winter Garden

No lender made more than 18% of the loans in Winter Garden, and The Huntington National Bank made the most. The four largest lenders together made 49%.

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

| Lender | Loans | Share |
| --- | --- | --- |
| [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/florida/) | 12 | 17.6% |
| [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | 9 | 13.2% |
| [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 7 | 10.3% |
| [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 5 | 7.4% |

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

Winter Garden has four 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 Winter Garden

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

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 Winter Garden

Winter Garden ranks 41st by loans since FY2024 among the 55 Florida cities with 100 or more SBA loans since FY2020. Nationally it is the 375th busiest of the 580 cities that reach 100 loans.

The 68 loans, 0.5% of the 12,780 in Florida, were approved for $41.2 million in all. The median loan was $250,000, 66% above the national median of $150,300. Half of the loans fell between $97,575 and $618,375. The Winter Garden median is 10% above the Florida median of $226,250.

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

| Measure | Winter Garden | Florida | U.S. |
| --- | --- | --- | --- |
| Loans | 68 | 12,780 | 162,355 |
| Median loan | $250,000 | $226,250 | $150,300 |
| 25th percentile | $97,575 | $90,000 | $50,000 |
| 75th percentile | $618,375 | $500,000 | $500,000 |
| Via SBA Express | 27.9% | 30.0% | 35.8% |
| Lines of credit | 26.5% | 26.1% | 28.1% |
| Startups | 33.8% | 15.1% | 16.1% |
| Ownership changes | 10.3% | 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.

68% of the loans were $500,000 or less, the size SBA Express covers. 27.9% of all loans went through SBA Express, below the national 35.8%. Lines of credit were 26.5% of loans, close to the national 28.1%.

SBA loans in Winter Garden, FL by size, FY2024 to June 2026

- $50,000 or less (18%): 12
- $50,001 to $150,000 (19%): 13
- $150,001 to $350,000 (19%): 13
- $350,001 to $500,000 (12%): 8
- $500,001 to $1,000,000 (13%): 9
- $1,000,001 to $2,000,000 (13%): 9
- 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 Winter Garden, FL by fiscal year

- FY2020: 14
- FY2021: 28
- FY2022: 15
- FY2023: 27
- FY2024: 27
- FY2025: 20
- FY2026 (through June 30): 21

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

Volume fell 26% from FY2024 (27 loans) to FY2025 (20), the two latest full years. The busiest full year in the file was FY2021, with 28 loans. FY2026 already shows 21 loans through June 30.

Of the 57 loans Winter Garden borrowers received in FY2020 to FY2022, fewer than 5 were charged off by June 30, 2026, against 3.6% nationally. Lenders reported 534 jobs supported across the 68 loans since FY2024, about 7.9 per loan. SBA does not audit these estimates.

## What businesses in Winter Garden borrow for

Fitness and Recreational Sports Centers was the largest borrower group in Winter Garden, with 6 loans or 8.8% of the total.

**Industries with the most SBA loans in Winter Garden, FL, FY2024 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 | 8.8% | 2.1% |
| [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/florida/) | 5 | 7.4% | 3.3% |

Share is the percent of all Winter Garden 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 Winter Garden

The median Winter Garden loan was $250,000 with a median term of 10 years.

The median variable-rate loan in Winter Garden was priced at Prime plus 2.75 percentage points at approval. At today's Prime that spread works out to 9.75%. On $250,000 over 10 years, principal and interest would come to about $3,269 a month. That is arithmetic on past loans, not a rate a lender is offering.

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

| Loan | Amount | Monthly payment |
| --- | --- | --- |
| 25th percentile loan | $97,575 | $1,276 |
| Median loan | $250,000 | $3,269 |
| 75th percentile loan | $618,375 | $8,087 |

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 $250,000 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).

Winter Garden loans approved since FY2024 had a median starting rate of 10.25% at approval, matching the national median. 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 Winter Garden

Winter Garden has 12 SBA 504 loans since FY2020, with $12.6 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 First Capital Finance Corporation, Inc. 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 Winter Garden, FY2020 to June 2026**

| Certified Development Company | 504 loans |
| --- | --- |
| Florida First Capital Finance Corporation, Inc. | 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 Winter Garden

Winter Garden made up 0.5% of Florida's SBA loans since FY2024.

Winter Garden 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.

- [Orlando: 648 loans, median $204,500](https://www.sbaexpress.loans/florida-small-business-loans/orlando/)
- [Winter Park: 58 loans, median $328,250](https://www.sbaexpress.loans/florida-small-business-loans/winter-park/)
- [Kissimmee: 152 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/kissimmee/)
- [Clermont: 66 loans, median $290,000](https://www.sbaexpress.loans/florida-small-business-loans/clermont/)
- [Fort Pierce: 55 loans, median $250,000](https://www.sbaexpress.loans/florida-small-business-loans/fort-pierce/)
- [Port St. Lucie: 121 loans, median $150,000](https://www.sbaexpress.loans/florida-small-business-loans/port-st-lucie/)
- [Stuart: 81 loans, median $264,000](https://www.sbaexpress.loans/florida-small-business-loans/stuart/)
- [Ocala: 109 loans, median $300,000](https://www.sbaexpress.loans/florida-small-business-loans/ocala/)

## Common questions about SBA loans in Winter Garden

### Which lenders make the most SBA loans in Winter Garden?

The Huntington National Bank leads with 12 loans in Winter Garden since FY2024. Newtek Bank (9) and TD Bank (7) follow. Only lenders with five or more Winter Garden loans are counted.

### Which industries get SBA loans in Winter Garden?

Fitness and Recreational Sports Centers leads with 6 loans in Winter Garden since FY2024. Limited-Service Restaurants (5) follows.

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)