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 funded approval in the available source window 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 | Funded loans in source data | 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% |
How fast BayFirst National Bank actually funds
Approval is not money in the bank. Across 8,659 loans where both dates are on record, the typical gap between SBA approval and first disbursement at BayFirst National Bank is 5 days. Half its loans fund between 2 and 10 days. That is fast. The typical SBA lender takes about 20 days, and many take far longer.
Lending momentum
BayFirst National Bank has been pulling back. Approvals are down 26.4% from FY2023 to FY2025, which can mean tightened credit or a shift in strategy. Worth asking about before you invest time in an application.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- only 3.2% of its funded SBA records with known business age 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. Funding speed is the median gap between approval date and first disbursement date in SBA records. Some lenders report disbursement at month end, which can round the figure upward. 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.