# CDC Small Business Finance SBA loans in Florida **Short answer:** SBA's loan file shows CDC Small Business Finance made 72 SBA loans in Florida since October 2019. 70.8% went to startups, against 47.7% of its loans nationally. The lender made 0.29% of Florida's SBA loans, against 0.47% of loans nationwide. Canonical page: https://www.sbaexpress.loans/sba-express-lenders/cdc-small-business-finance/florida/ Data as of: 2026-06-30 This site is not CDC Small Business Finance sbaexpress.loans is not CDC Small Business Finance, and CDC Small Business Finance 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 CDC Small Business Finance. These are the 72 SBA 7(a) loans [CDC Small Business Finance](https://www.sbaexpress.loans/sba-express-lenders/cdc-small-business-finance/) 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 CDC Small Business Finance differs in Florida **What this means for you.** If yours is a new business, CDC Small Business Finance funded startups more often here than it did elsewhere. ### Startups 70.8% of the loans in Florida went to startups, where the loan opens the business, against 47.7% of its loans nationally. Startups (the loan opens the business), share of loans, Oct 2019 to Jun 2026 - Florida: 70.8% - All its U.S. loans: 47.7% ### Share of the state's loans CDC Small Business Finance made 0.29% of the SBA loans approved in Florida since October 2019, against 0.47% of loans nationwide. Its share here is 63% of its national share. Share of all SBA loans, Oct 2019 to Jun 2026 - Florida: 0.29% - All its U.S. loans: 0.47% We compared 6 measures with the national figure for the same period, and these are the 2 that differ clearly. The table compares every measure. ## Florida next to the U.S. **Florida compared with all of CDC Small Business Finance's U.S. loans, October 2019 to June 2026** | Measure | Florida | All its U.S. loans | Reading | | --- | --- | --- | --- | | Lender's share of all SBA loans | 0.29% | 0.47% | Clearly lower | | Median loan | $112,500 | $146,600 | No clear gap | | Middle half of loans | $50,000 to $210,250 | $81,000 to $220,000 | – | | Startups (the loan opens the business) | 70.8% | 47.7% | Clearly higher | | In business 2 years or less | 6.9% | 8.0% | No clear gap | | In business more than 2 years | 20.8% | 36.5% | No clear gap | | Change of ownership | Fewer than 5 | 7.5% | n/a | | SBA Express | 0.0% | 0.0% | n/a | | Lines of credit | 0.0% | 0.0% | n/a | | Median term | 10 years | 10 years | – | | Median spread over Prime at approval | 3.25 points over Prime | 4 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 CDC Small Business Finance lends to in Florida The 2 industries below account for 12 of the 72 loans approved October 2019 to June 2026, or 16.7%. 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 | | --- | --- | --- | --- | | [Home Health Care Services](https://www.sbaexpress.loans/industries/home-health-care-services/) | 7 | 9.7% | 3.7% | | [Insurance Agencies and Brokerages](https://www.sbaexpress.loans/industries/insurance-agencies-brokerages/) | 5 | 6.9% | 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. ## CDC Small Business Finance in other states Other states where these loans differ clearly from the national pattern, most loans first. **CDC Small Business Finance by state** | State | Loans since October 2019 | | --- | --- | | [Texas](https://www.sbaexpress.loans/sba-express-lenders/cdc-small-business-finance/texas/) | 99 | | [Michigan](https://www.sbaexpress.loans/sba-express-lenders/cdc-small-business-finance/michigan/) | 58 | ## 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)