Local lending data
Who lends to businesses in Osceola County?
264 SBA 7(a) loans went to businesses in Osceola County recently, at a median of $150,000. The lenders that made them, ranked, with local rates and startup share.
264 SBA 7(a) loans went to businesses in Osceola County in the most recent fiscal years, at a median of $150,000. The most active lender was Readycap Lending, LLC, with 31 loans.
SBA lending in Osceola County, by the numbers
Every figure here is computed from SBA 7(a) loan-level FOIA data released 2026-06-30 — loans that were actually approved to businesses in this county, not advertised ranges.
| Measure | Osceola County | Florida | National |
|---|---|---|---|
| Loans approved | 264 | 16,898 | 214,102 |
| Median loan | $150,000 | $215,000 | $150,000 |
| 25th - 75th percentile | $50,000 - $403,750 | $80,000 - $500,000 | $50,000 - $500,000 |
| Median term | 10 years | 10 years | 10 years |
| Median initial rate | 10.84% | 10.50% | 10.25% |
| Share to startups | 26.5% | 30.7% | 33.6% |
| Charge-off rate, FY2010-19 | 13.8% | 10.6% | 7.1% |
| Jobs supported | 2,346 | 170,625 | 2,142,602 |
Which lenders actually funded them
Ranked by loans approved to businesses in Osceola County. The median, startup share and rate columns describe each lender's own loans in this county, not its national averages.
| Lender | Loans | Median loan | Startup share | Median rate |
|---|---|---|---|---|
| Readycap Lending, LLC | 31 | $50,000 | 10% | 14.25% |
| TD Bank | 29 | $50,000 | 24% | 11.00% |
| The Huntington National Bank | 26 | $212,500 | 31% | 10.25% |
| Newtek Bank | 21 | $200,000 | 24% | 11.25% |
| BayFirst National Bank | 15 | $150,000 | 0% | 12.75% |
| Wells Fargo Bank | 14 | $20,000 | 93% | 13.25% |
| JPMorgan Chase Bank | 14 | $35,000 | 0% | 14.10% |
| Northeast Bank | 13 | $80,000 | 15% | 11.00% |
| United Midwest Savings Bank | 6 | $175,000 | 83% | 10.50% |
| CenTrust Bank | 6 | $150,000 | 0% | 11.50% |
What stands out here
Reading these figures against the national picture:
- Loan sizes are typical. The median of $150,000 is within a few percent of the $150,000 national median across all 7(a) borrowers, so nothing about this market is unusual on size.
- Startup share is about average, at 26% against 34% nationally.
- No single lender dominates, but the top three made 33% of these loans, so the shortlist below covers most of the active market.
- Rates run higher here. The median initial rate of 10.84% is 0.59 points above the 10.25% national median, which usually tracks loan size and perceived sector risk rather than geography.
- Lenders have been burned here before. 13.8% of loans to this market from the FY2010-2019 cohorts were charged off, against 7.1% overall. That history is why underwriting in this sector is tighter than the numbers alone would suggest — it is not personal.
Who borrows in Osceola County
The mix of industries taking SBA loans here, led by construction.
| Sector | Loans | Share |
|---|---|---|
| Construction | 40 | 15.2% |
| Restaurants and Hotels | 32 | 12.1% |
| Retail | 28 | 10.6% |
| Healthcare | 27 | 10.2% |
| Personal Services | 23 | 8.7% |
| Professional Services | 23 | 8.7% |
| Admin Services | 20 | 7.6% |
| Trucking | 17 | 6.4% |
How to use this
- Shortlist three lenders from the table whose median loan in this county is close to what you need. Size match matters more than brand.
- Ask each whether they are a Preferred Lender and how many 7(a) loans they closed last year — see choosing an SBA lender.
- Check your coverage first with the affordability calculator, so you ask for a number your cash flow supports.
- Follow your sector link in the table above for lender data specific to your industry across Florida.
Other counties in Florida
- Nearby markets with published data: Miami-dade County, Broward County, Palm Beach County, Orange County, Hillsborough County, Pinellas County, Duval County, Lee County