# SBA loans to long-haul truckload carriers in Florida **Short answer:** SBA's loan file shows 283 loans to long-haul truckload carriers in Florida since October 2019. TD Bank made 35.0% of them, against 4.3% nationally and 13.2% of all loans in Florida. 54.4% were lines of credit, against 28.2% nationally. Canonical page: https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/florida/ Data as of: 2026-06-30 These are the 283 SBA 7(a) loans to [long-haul truckload carriers](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/) in [Florida](https://www.sbaexpress.loans/florida-small-business-loans/) approved October 2019 to June 2026. Each figure is set against the national figure for the same industry and period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what lenders have done and not what any lender will do for you. Every state page for this industry uses this same period, so the pages can be compared with each other. ## How Florida differs from the U.S. **What this means for you.** One lender made a large share of these loans in Florida, so compare more than one lender before you apply. ### Lender concentration [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) made 35.0% of these loans (99 of 283). Nationally it made 4.3% of loans to long-haul truckload carriers. It made 13.2% of all SBA loans in Florida. ### Lines of credit 54.4% of the loans in Florida were lines of credit, against 28.2% nationally. Lines of credit, share of loans, Oct 2019 to Jun 2026 - Florida: 54.4% - United States: 28.2% ### Businesses two years old or younger 30.7% of the loans in Florida went to businesses two years old or younger, against 18.9% nationally. In business 2 years or less, share of loans, Oct 2019 to Jun 2026 - Florida: 30.7% - United States: 18.9% We compared 9 measures with the national figure for the same period, and these are the 3 that differ clearly. 2 more differences are in the table. ## Florida next to the U.S. **Florida compared with all loans to long-haul truckload carriers in the U.S., October 2019 to June 2026** | Measure | Florida | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 1.1% | 1.8% | Clearly lower | | Median loan | $75,000 | $67,700 | No clear gap | | Middle half of loans | $20,250 to $150,000 | $29,925 to $150,000 | – | | Startups (the loan opens the business) | 2.5% | 4.7% | No clear gap | | In business 2 years or less | 30.7% | 18.9% | Clearly higher | | In business more than 2 years | 63.3% | 73.9% | Clearly lower | | Change of ownership | 2.5% | 1.3% | No clear gap | | SBA Express | 65.4% | 60.1% | No clear gap | | Lines of credit | 54.4% | 28.2% | Clearly higher | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 4.5 points over Prime | 2.5 points over Prime | – | Clearly higher and clearly lower mark a gap large enough to matter and unlikely to be chance for this many loans. Spread over Prime is the rate at approval minus Prime that day, so it is not today's rate. Rows with a dash are shown for reference. ## Who lends in Florida The 5 lenders below made 203 of the 283 loans approved October 2019 to June 2026, or 71.7%. A lender is listed when it has 5 or more of them, five at most. **Top lenders in Florida** | Lender | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 99 | 35.0% | 4.3% | | [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/) | 59 | 20.8% | 6.2% | | [BayFirst National Bank](https://www.sbaexpress.loans/sba-express-lenders/bayfirst-national-bank/) | 19 | 6.7% | Not in top 5 | | [JPMorgan Chase Bank](https://www.sbaexpress.loans/sba-express-lenders/jpmorgan-chase-bank/) | 13 | 4.6% | Not in top 5 | | [Lendistry SBLC, LLC](https://www.sbaexpress.loans/sba-express-lenders/lendistry-sblc-llc/) | 13 | 4.6% | 4.2% | Share here is the lender's share of the loans in this state. U.S. share is its share of all loans to this industry nationally. Not in top 5 means it is not one of the five lenders with the most loans to the industry. ## Long-haul truckload carriers in other states Other states where these loans differ clearly from the national pattern, most loans first. **Long-haul truckload carriers by state** | State | Loans since October 2019 | | --- | --- | | [Ohio](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/ohio/) | 1,160 | | [Michigan](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/michigan/) | 848 | | [Illinois](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/illinois/) | 709 | | [California](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/california/) | 475 | | [Indiana](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/indiana/) | 392 | | [Texas](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/texas/) | 297 | | [Washington](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/washington/) | 155 | | [New Jersey](https://www.sbaexpress.loans/industries/general-freight-trucking-long-distance-truckload/new-jersey/) | 149 | ## More industries in Florida Other industries in Florida with a clear difference from the national pattern, most loans first. **Other industries in Florida** | Industry | Loans since October 2019 | | --- | --- | | [Sit-down restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/florida/) | 897 | | [Fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/florida/) | 719 | | [Plumbing and HVAC companies](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/florida/) | 521 | | [Paving, fencing, pool and other specialty contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/florida/) | 490 | | [Gyms, fitness studios and recreational sports centers](https://www.sbaexpress.loans/industries/fitness-recreational-sports-centers/florida/) | 485 | | [Home remodeling contractors](https://www.sbaexpress.loans/industries/residential-remodelers/florida/) | 455 | | [Landscaping and lawn care companies](https://www.sbaexpress.loans/industries/landscaping-services/florida/) | 413 | | [Child care centers and preschools](https://www.sbaexpress.loans/industries/child-care-services/florida/) | 411 | 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. Industry is the NAICS code recorded on each loan. Location is the borrower's address in the file. Loans are those approved October 1, 2019 to June 30, 2026. SBA's fiscal year runs October 1 to September 30. Each figure is set against the national figure for the same period. A gap is called clear when it is large enough to matter and unlikely to be chance for this many loans. A comparison with no clear gap in the loans is not published. Express counts SBA Express and Export Express loans. Lines of credit are loans SBA's file flags as revolving. [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)