Cogent Bank: SBA Lending Profile
Cogent Bank is an FDIC-insured bank, headquartered in Orlando, FL. It is active in 13 states, concentrated around FL, GA, NC. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes Cogent Bank actually approves
The median SBA approval at Cogent Bank is $752,750. The middle 80% of its loans fall between $319,050 and $2,652,500. The smallest approval on record since 2020 is $150,000 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) | 50 | $753K | 9.38% | 10.5 years |
| 504 first mortgage (third party) | 12 | $972K | n/a | 25 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 13 | 7.4% |
| Snack and Nonalcoholic Beverage Bars | 10 | 5.7% |
| Gasoline Stations with Convenience Stores | 9 | 5.1% |
| All Other Specialty Trade Contractors | 8 | 4.5% |
| Gasoline Stations with Convenience Stores | 6 | 3.4% |
| Limited-Service Restaurants | 5 | 2.8% |
| Child Day Care Services | 5 | 2.8% |
| All Other Specialty Food Stores | 4 | 2.3% |
| Other Miscellaneous Durable Goods Merchant Wholesalers | 3 | 1.7% |
| Baked Goods Stores | 3 | 1.7% |
| Hotels (except Casino Hotels) and Motels | 3 | 1.7% |
| Offices of Physicians (except Mental Health Specialists) | 3 | 1.7% |
Borrower profile
- 41.1% of its recent SBA loans went to startups or businesses under two years old, which is high, most SBA lenders skew heavily toward established companies.
- Collateral was taken on 100% 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. 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 Cogent Bank.