BayFirst National Bank: SBA Lending Profile
BayFirst National Bank is an FDIC-insured bank, headquartered in Saint Petersburg, FL. It is a national lender, with SBA loans on record in 52 states and territories. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes BayFirst National Bank actually approves
The median SBA approval at BayFirst National Bank is $150,000. The middle 80% of its loans fall between $73,900 and $291,640. The smallest approval on record since 2020 is $22,000 and the largest is $5,000,000. If the amount you need sits far outside that range, this is probably not the right first call, no matter what the website says.
Programs
| Program | Loans FY25-26 | Median size | Median rate | Median term |
|---|---|---|---|---|
| SBA 7(a) | 1,915 | $150K | 12.25% | 10 years |
| 504 first mortgage (third party) | 10 | $740K | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Residential Remodelers | 250 | 2.9% |
| Insurance Agencies and Brokerages | 182 | 2.1% |
| Full-Service Restaurants | 178 | 2.1% |
| General Freight Trucking, Long-Distance, Truckload | 178 | 2.1% |
| Plumbing, Heating, and Air-Conditioning Contractors | 164 | 1.9% |
| Landscaping Services | 151 | 1.7% |
| All Other Specialty Trade Contractors | 135 | 1.6% |
| General Freight Trucking, Local | 134 | 1.5% |
| General Automotive Repair | 129 | 1.5% |
| Offices of Lawyers | 121 | 1.4% |
| All Other Professional, Scientific, and Technical Services | 118 | 1.4% |
| Electrical Contractors and Other Wiring Installation Contractors | 116 | 1.3% |
Borrower profile
- only 3.2% of its recent SBA loans went to startups, this lender works almost entirely with established businesses.
- Collateral was taken on 60.4% of its recent SBA loans.
- 0.1% of its loans carry fixed rates; the rest are variable.
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Sources and limits. Figures are derived from U.S. Small Business Administration 7(a) and 504 FOIA loan-level records (data as of 2026-06-30, retrieved 2026-08-08) and FDIC public institution data. They describe past lending activity only. They are not rate quotes, not current offers, and not an indication that any business will qualify. Lender programs and criteria change. Big Brain Funding is not affiliated with or endorsed by BayFirst National Bank.