Fifth Third Bank: SBA Lending Profile
Fifth Third Bank is an FDIC-insured bank, headquartered in Cincinnati, OH. It is active in 38 states, concentrated around MI, 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 Fifth Third Bank actually approves
The median SBA approval at Fifth Third Bank is $200,000. The middle 80% of its loans fall between $46,000 and $1,760,000. The smallest approval on record since 2020 is $10,000 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) | 757 | $200K | 8% | 10 years |
| 504 first mortgage (third party) | 32 | $768K | n/a | 20 years |
Industries it funds most
| Industry | Loans since 2020 | Share |
|---|---|---|
| Full-Service Restaurants | 125 | 4.8% |
| Offices of Dentists | 86 | 3.3% |
| Limited-Service Restaurants | 77 | 3% |
| Plumbing, Heating, and Air-Conditioning Contractors | 58 | 2.2% |
| Veterinary Services | 56 | 2.2% |
| Offices of Physicians (except Mental Health Specialists) | 53 | 2.1% |
| All Other Specialty Trade Contractors | 52 | 2% |
| Offices of Lawyers | 40 | 1.5% |
| All Other Professional, Scientific, and Technical Services | 38 | 1.5% |
| General Freight Trucking, Long-Distance, Truckload | 37 | 1.4% |
| General Freight Trucking, Local | 35 | 1.4% |
| Business Associations | 35 | 1.4% |
Borrower profile
- 22.4% of its recent SBA loans went to startups or businesses under two years old.
- Collateral was taken on 84.2% of its recent SBA loans.
- 56.8% of its SBA lending is revolving lines of credit rather than term loans.
- 20.5% 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 Fifth Third Bank.