# Beacon Bank and Trust SBA loans in Florida **Short answer:** SBA's loan file shows Beacon Bank and Trust made 170 SBA loans in Florida since October 2019. 12.4% went through SBA Express, against 35.5% of its loans nationally. 24.1% went to businesses more than two years old, against 40.9% of its loans nationally. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/florida/ Data as of: 2026-06-30 This site is not Beacon Bank and Trust sbaexpress.loans is not Beacon Bank and Trust, and Beacon Bank and Trust 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 Beacon Bank and Trust. These are the 170 SBA 7(a) loans [Beacon Bank and Trust](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/) 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 Beacon Bank and Trust differs in Florida **What this means for you.** SBA Express was a less common route here, so most of these loans went through other 7(a) loan types. ### SBA Express 12.4% of the loans in Florida went through SBA Express, against 35.5% of its loans nationally. SBA Express, share of loans, Oct 2019 to Jun 2026 - Florida: 12.4% - All its U.S. loans: 35.5% ### Established businesses 24.1% of the loans in Florida went to businesses more than two years old, against 40.9% of its loans nationally. In business more than 2 years, share of loans, Oct 2019 to Jun 2026 - Florida: 24.1% - All its U.S. loans: 40.9% ### Share of the state's loans Beacon Bank and Trust made 0.69% of the SBA loans approved in Florida since October 2019, against 0.45% of loans nationwide. Its share here is 1.5 times its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - Florida: 0.69% - All its U.S. loans: 0.45% 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 of Beacon Bank and Trust's U.S. loans, October 2019 to June 2026** | Measure | Florida | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 0.69% | 0.45% | Clearly higher | | Median loan | $993,500 | $645,000 | No clear gap | | Middle half of loans | $651,000 to $1,692,050 | $200,000 to $1,395,000 | – | | Startups (the loan opens the business) | 12.4% | 11.8% | No clear gap | | In business 2 years or less | 18.2% | 16.3% | No clear gap | | In business more than 2 years | 24.1% | 40.9% | Clearly lower | | Change of ownership | 45.3% | 30.6% | Clearly higher | | SBA Express | 12.4% | 35.5% | Clearly lower | | Lines of credit | 11.8% | 27.6% | Clearly lower | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 2.25 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. ## What Beacon Bank and Trust lends to in Florida The 5 industries below account for 46 of the 170 loans approved October 2019 to June 2026, or 27.1%. 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 | | --- | --- | --- | --- | | [Full-Service Restaurants](https://www.sbaexpress.loans/industries/full-service-restaurants/) | 15 | 8.8% | 7.6% | | [All Other Specialty Trade Contractors](https://www.sbaexpress.loans/industries/all-other-specialty-trade-contractors/) | 9 | 5.3% | 2.0% | | [Landscaping Services](https://www.sbaexpress.loans/industries/landscaping-services/) | 8 | 4.7% | 4.6% | | [Limited-Service Restaurants](https://www.sbaexpress.loans/industries/limited-service-restaurants/) | 7 | 4.1% | 4.2% | | [Plumbing, Heating, and Air-Conditioning Contractors](https://www.sbaexpress.loans/industries/plumbing-heating-air-conditioning-contractors/) | 7 | 4.1% | 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. ## Beacon Bank and Trust in other states Other states where these loans differ clearly from the national pattern, most loans first. **Beacon Bank and Trust by state** | State | Loans since October 2019 | | --- | --- | | [Massachusetts](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/massachusetts/) | 222 | | [New Jersey](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/new-jersey/) | 131 | | [Rhode Island](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/rhode-island/) | 117 | | [New York](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/new-york/) | 116 | | [Texas](https://www.sbaexpress.loans/sba-express-lenders/beacon-bank-and-trust/texas/) | 53 | ## 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 | | [Banesco USA](https://www.sbaexpress.loans/sba-express-lenders/banesco-usa/florida/) | 164 | 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)