Climate First Bank SBA loans in Florida
Short answer
SBA's loan file shows Climate First Bank made 77 SBA loans in Florida since October 2023. 24.7% went to startups, against 43.3% of its loans nationally. The lender made 0.60% of Florida's SBA loans, against 0.13% of loans nationwide.
- SBA loans, Oct 2023 to Jun 2026
- 77
- median loan
- $650,000
- dollars approved
- $80.02M
- went to startups
- 24.7%
This site is not Climate First Bank
sbaexpress.loans is not Climate First Bank, and Climate First Bank 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 Climate First Bank.
These are the 77 SBA 7(a) loans Climate First Bank made in Florida approved October 2023 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.
How Climate First Bank differs in Florida
What this means for you. If yours is a new business, Climate First Bank funded startups less often here than it did elsewhere, so ask early whether a lender funds new businesses.
Startups
24.7% of the loans in Florida went to startups, where the loan opens the business, against 43.3% of its loans nationally.
Share of the state's loans
Climate First Bank made 0.60% of the SBA loans approved in Florida since October 2023, against 0.13% of loans nationwide. Its share here is 4.5 times its national share.
We compared 9 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.
| Measure | Florida | All its U.S. loans | Reading |
|---|---|---|---|
| Lender's share of all SBA loans | 0.60% | 0.13% | Clearly higher |
| Median loan | $650,000 | $725,000 | No clear gap |
| Middle half of loans | $377,500 to $1,245,000 | $503,000 to $1,418,000 | – |
| Startups (the loan opens the business) | 24.7% | 43.3% | Clearly lower |
| In business 2 years or less | 28.6% | 23.0% | No clear gap |
| In business more than 2 years | 33.8% | 22.1% | No clear gap |
| Change of ownership | 11.7% | 11.1% | No clear gap |
| SBA Express | 14.3% | 9.7% | No clear gap |
| Lines of credit | 14.3% | 9.2% | No clear gap |
| Median term | 10 years | 10.2 years | – |
| Median spread over Prime at approval | 2.75 points over Prime | 2.75 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 Climate First Bank lends to in Florida
The industry below accounts for 5 of the 77 loans approved October 2023 to June 2026, or 6.5%. An industry is listed when it has 5 or more of them, five at most.
| Industry | Loans | Share here | U.S. share |
|---|---|---|---|
| Plumbing, Heating, and Air-Conditioning Contractors | 5 | 6.5% | 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.
Other lenders in Florida
Other lenders in Florida with a clear difference from the national pattern, most loans first.
| Lender | Loans since October 2019 |
|---|---|
| The Huntington National Bank | 1,716 |
| Wells Fargo Bank | 1,321 |
| BayFirst National Bank | 1,106 |
| SouthState Bank | 593 |
| Celtic Bank | 420 |
| Fifth Third Bank | 247 |
| First Bank of the Lake | 241 |
| Beacon Bank and Trust | 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, 2023 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.
Download this page's data: JSON · CSV
Cite this page: Climate First Bank SBA loans in Florida. SBA Express Loans, Janover Capital LLC (data as of June 30, 2026). https://www.sbaexpress.loans/sba-express-lenders/climate-first-bank/florida/
Ask lending partners about your loan in Florida
Tell us your state, loan amount and purpose, and we route your inquiry to lending partners. We are not Climate First Bank and cannot say whether it would lend to you.
Janover Capital LLC is not a lender and is not the SBA. The lender makes the credit decision. A lender or marketplace may pay us a referral fee if we connect you, at no cost to you. Advertiser disclosure.