Climate First Bank: SBA Lending Profile
Climate First Bank is an FDIC-insured bank, headquartered in Saint Petersburg, FL. It is active in 35 states, concentrated around FL, TX, CA. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Climate First Bank actually approves
The median SBA approval at Climate First Bank is $715,000. The middle 80% of its loans fall between $250,000 and $3,199,500. The smallest funded approval in the available source window is $50,000 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) | 228 | $715K | 9.75% | 10.3 years |
| 504 first mortgage (third party) | 4 | $801K | n/a | 25 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Fitness and Recreational Sports Centers | 18 | 8.1% |
| All Other Amusement and Recreation Industries | 18 | 8.1% |
| Limited-Service Restaurants | 16 | 7.2% |
| Other Personal Care Services | 13 | 5.8% |
| Snack and Nonalcoholic Beverage Bars | 7 | 3.1% |
| Landscaping Services | 7 | 3.1% |
| Plumbing, Heating, and Air-Conditioning Contractors | 7 | 3.1% |
| Hotels (except Casino Hotels) and Motels | 7 | 3.1% |
| Full-Service Restaurants | 6 | 2.7% |
| Janitorial Services | 4 | 1.8% |
| Exterminating and Pest Control Services | 4 | 1.8% |
| All Other Specialty Trade Contractors | 3 | 1.3% |
How fast Climate First Bank actually funds
Approval is not money in the bank. Across 98 loans where both dates are on record, the typical gap between SBA approval and first disbursement at Climate First Bank is 36 days. Half its loans fund between 24 and 74 days. The typical SBA lender takes about 20 days, so this is roughly in line with the market.
Lending momentum
SBA approvals at Climate First Bank by fiscal year.
Funded approvals by SBA fiscal year (October to September). FY2026 is excluded because it is still in progress.
Borrower profile
- 65.3% of its funded SBA records with known business age went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 98.7% of its recent SBA loans.
- 0% 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 Climate First Bank.