SouthState Bank, National Association: SBA Lending Profile
SouthState Bank, National Association is an FDIC-insured bank, headquartered in Winter Haven, FL. It is active in 39 states, concentrated around FL, TX, GA. Everything below comes from federal SBA loan records, not from the lender's marketing. This is what it has actually funded.
Loan sizes SouthState Bank, National Association actually approves
The median SBA approval at SouthState Bank, National Association is $350,000. The middle 80% of its loans fall between $100,000 and $1,592,200. The smallest funded approval in the available source window is $30,000 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) | 307 | $350K | 9% | 10 years |
| 504 first mortgage (third party) | 32 | $610K | n/a | 20 years |
Industries it funds most
| Industry | Funded loans in source data | Share |
|---|---|---|
| Full-Service Restaurants | 109 | 5.5% |
| Limited-Service Restaurants | 88 | 4.4% |
| All Other Specialty Trade Contractors | 44 | 2.2% |
| General Automotive Repair | 44 | 2.2% |
| Offices of Chiropractors | 44 | 2.2% |
| Child Day Care Services | 41 | 2.1% |
| Plumbing, Heating, and Air-Conditioning Contractors | 39 | 2% |
| Offices of Dentists | 37 | 1.9% |
| Offices of Physicians (except Mental Health Specialists) | 32 | 1.6% |
| Fitness and Recreational Sports Centers | 31 | 1.6% |
| Beauty Salons | 29 | 1.5% |
| Pet Care (except Veterinary) Services | 27 | 1.4% |
How fast SouthState Bank, National Association actually funds
Approval is not money in the bank. Across 1,945 loans where both dates are on record, the typical gap between SBA approval and first disbursement at SouthState Bank, National Association is 9 days. Half its loans fund between 2 and 26 days. That is fast. The typical SBA lender takes about 20 days, and many take far longer.
Lending momentum
SouthState Bank, National Association has been pulling back. Approvals are down 40.5% 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
- 29.6% of its funded SBA records with known business age went to startups or businesses under two years old.
- Collateral was taken on 81.4% of its recent SBA loans.
- 6.7% 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 SouthState Bank, National Association.