# SBA loans to fast-food, pizza and counter-service restaurants in Florida **Short answer:** SBA's loan file shows 719 loans to fast-food, pizza and counter-service restaurants in Florida since October 2019. 52.3% went to startups, against 39.5% nationally. Canonical page: https://www.sbaexpress.loans/industries/limited-service-restaurants/florida/ Data as of: 2026-06-30 These are the 719 SBA 7(a) loans to [fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) 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.** If yours is a new business, lenders in Florida funded startups more often here than lenders did nationally. ### Startups 52.3% of the loans in Florida went to startups, where the loan opens the business, against 39.5% nationally. Startups (the loan opens the business), share of loans, Oct 2019 to Jun 2026 - Florida: 52.3% - United States: 39.5% We compared 9 measures with the national figure for the same period, and this is the one that differs clearly. The table compares every measure. ## Florida next to the U.S. **Florida compared with all loans to fast-food, pizza and counter-service restaurants in the U.S., October 2019 to June 2026** | Measure | Florida | United States | Reading | | --- | --- | --- | --- | | Industry's share of all SBA loans | 2.9% | 3.3% | No clear gap | | Median loan | $391,700 | $329,000 | No clear gap | | Middle half of loans | $200,000 to $630,000 | $113,250 to $575,000 | – | | Startups (the loan opens the business) | 52.3% | 39.5% | Clearly higher | | In business 2 years or less | 12.5% | 15.4% | No clear gap | | In business more than 2 years | 26.1% | 30.3% | No clear gap | | Change of ownership | 8.2% | 14.0% | No clear gap | | SBA Express | 15.6% | 23.3% | No clear gap | | Lines of credit | 11.7% | 13.6% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.5 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 204 of the 719 loans approved October 2019 to June 2026, or 28.4%. 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 | | --- | --- | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/) | 92 | 12.8% | 13.7% | | [Live Oak Banking Company](https://www.sbaexpress.loans/sba-express-lenders/live-oak-banking-company/) | 36 | 5.0% | 3.5% | | [Newtek Bank](https://www.sbaexpress.loans/sba-express-lenders/newtek-bank/) | 28 | 3.9% | Not in top 5 | | [SouthState Bank](https://www.sbaexpress.loans/sba-express-lenders/southstate-bank/) | 25 | 3.5% | Not in top 5 | | [TD Bank](https://www.sbaexpress.loans/sba-express-lenders/td-bank/) | 23 | 3.2% | Not in top 5 | 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. ## Fast-food, pizza and counter-service restaurants in other states Other states where these loans differ clearly from the national pattern, most loans first. **Fast-food, pizza and counter-service restaurants by state** | State | Loans since October 2019 | | --- | --- | | [California](https://www.sbaexpress.loans/industries/limited-service-restaurants/california/) | 1,330 | | [Texas](https://www.sbaexpress.loans/industries/limited-service-restaurants/texas/) | 943 | | [Ohio](https://www.sbaexpress.loans/industries/limited-service-restaurants/ohio/) | 559 | | [New York](https://www.sbaexpress.loans/industries/limited-service-restaurants/new-york/) | 549 | | [Georgia](https://www.sbaexpress.loans/industries/limited-service-restaurants/georgia/) | 497 | | [Pennsylvania](https://www.sbaexpress.loans/industries/limited-service-restaurants/pennsylvania/) | 424 | | [Washington](https://www.sbaexpress.loans/industries/limited-service-restaurants/washington/) | 395 | | [Massachusetts](https://www.sbaexpress.loans/industries/limited-service-restaurants/massachusetts/) | 287 | ## 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 | | [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 | | [Physician practices](https://www.sbaexpress.loans/industries/offices-of-physicians/florida/) | 388 | 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)