# Bank Five Nine SBA loans in Florida **Short answer:** SBA's loan file shows Bank Five Nine made 52 SBA loans in Florida since October 2019. Loans to fast-food, pizza and counter-service restaurants were 30.8% of its loans here, against 9.6% nationally and 2.9% of all loans in Florida. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/bank-five-nine/florida/ Data as of: 2026-06-30 This site is not Bank Five Nine sbaexpress.loans is not Bank Five Nine, and Bank Five Nine did not provide, review or pay for this page. Janover Capital LLC runs this site. Every figure on this page comes from SBA's public 7(a) loan file, not from Bank Five Nine. These are the 52 SBA 7(a) loans [Bank Five Nine](https://www.sbaexpress.loans/sba-express-lenders/bank-five-nine/) made in [Florida](https://www.sbaexpress.loans/florida-small-business-loans/) approved October 2019 to June 2026. Each figure is set against all of its loans in the U.S. over the same period. State is where the business is, not where the lender is based. The file lists loans SBA approved, so it shows what the lender has done and not what it will do for you. Every state page for this lender uses this same period, so the pages can be compared with each other. ## How Bank Five Nine differs in Florida **What this means for you.** One industry took a large share of Bank Five Nine's loans in Florida, so its local lending leans on that trade. ### Industry concentration Loans to [fast-food, pizza and counter-service restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) made up 30.8% of its loans in Florida (16 of 52). Nationally they are 9.6% of its loans. They are 2.9% of all SBA loans in Florida. We compared 8 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 of Bank Five Nine's U.S. loans, October 2019 to June 2026** | Measure | Florida | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 0.21% | 0.20% | No clear gap | | Median loan | $433,000 | $416,250 | No clear gap | | Middle half of loans | $230,850 to $769,500 | $239,250 to $967,300 | – | | Startups (the loan opens the business) | 69.2% | 57.4% | No clear gap | | In business 2 years or less | Fewer than 5 | 6.8% | n/a | | In business more than 2 years | 13.5% | 21.4% | No clear gap | | Change of ownership | 9.6% | 14.2% | No clear gap | | SBA Express | 0.0% | Fewer than 5 | No clear gap | | Lines of credit | 0.0% | 1.2% | No clear gap | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 1.88 points over Prime | 1.5 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. ## What Bank Five Nine lends to in Florida The 4 industries below account for 31 of the 52 loans approved October 2019 to June 2026, or 59.6%. An industry is listed when it has 5 or more of them, five at most. **Top industries in Florida** | Industry | Loans | Share here | U.S. share | | --- | --- | --- | --- | | [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 16 | 30.8% | 9.6% | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 5 | 9.6% | Not in top 5 | | [Lessors of Miniwarehouses and Self-Storage Units](https://www.sbaexpress.loans/industries/lessors-of-miniwarehouses-self-storage-units/) | 5 | 9.6% | 23.2% | | [Offices of Mental Health Practitioners (except Physicians)](https://www.sbaexpress.loans/industries/offices-of-mental-health-practitioners/) | 5 | 9.6% | Not in top 5 | Share here is the industry's share of the lender's loans in this state. U.S. share is its share of all the lender's loans nationally. Not in top 5 means it is not one of the lender's five most common industries. ## Bank Five Nine in other states Other states where these loans differ clearly from the national pattern, most loans first. **Bank Five Nine by state** | State | Loans since October 2019 | | --- | --- | | [Wisconsin](https://www.sbaexpress.loans/sba-express-lenders/bank-five-nine/wisconsin/) | 120 | ## Other lenders in Florida Other lenders in Florida with a clear difference from the national pattern, most loans first. **Other lenders in Florida** | Lender | Loans since October 2019 | | --- | --- | | [The Huntington National Bank](https://www.sbaexpress.loans/sba-express-lenders/the-huntington-national-bank/florida/) | 1,716 | | [Wells Fargo Bank](https://www.sbaexpress.loans/sba-express-lenders/wells-fargo-bank/florida/) | 1,321 | | [BayFirst National Bank](https://www.sbaexpress.loans/sba-express-lenders/bayfirst-national-bank/florida/) | 1,106 | | [SouthState Bank](https://www.sbaexpress.loans/sba-express-lenders/southstate-bank/florida/) | 593 | | [Celtic Bank](https://www.sbaexpress.loans/sba-express-lenders/celtic-bank/florida/) | 420 | | [Fifth Third Bank](https://www.sbaexpress.loans/sba-express-lenders/fifth-third-bank/florida/) | 247 | | [First Bank of the Lake](https://www.sbaexpress.loans/sba-express-lenders/first-bank-of-the-lake/florida/) | 241 | | [Beacon Bank and Trust](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/florida/) | 170 | 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. A lender's past loans do not describe its current credit policy. 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)