SBA 7(a) Life Science Lab Feasibility Study in Florida

Loan size for life science labs in Florida

Counting FY2017 to FY2026, Florida shows 27 SBA 7(a) approvals for life science labs, adding up to $26.2 million in gross dollars. A typical Florida approval is $239,900, while the middle half of life science labs loans reaches from $125,500 to $1.4 million. Measured on the life science labs median nationwide under SBA 7(a), the Florida median is 1.02x, so Florida borrowers take larger life science labs loans at the midpoint. The franchise share is 0.00%; owners of Florida life science labs operate independently. Florida alone is the subject of every figure above.

For SBA 7(a) loans to life science labs, Florida stands at rank 2 among states, while within Florida the class ranks 30 of 39. Volume crested in FY2026: 7 loans, $8.8 million; and FY2026 records 7 loans for $8.8 million. Florida stands at rank 2 among states for 7(a) life science lab lending, though the class sits low among Florida's classes, so the program fills a narrow but visible niche.

Most Florida loans sit with TD Bank, National Association, which holds 7 worth $1.3 million. TD Bank, National Association stands first among life science labs holders in Florida; SBA's file covers 27 loans held now or before. The Florida loans cluster in Miami-Dade, which has 12; Broward has 6 and Palm Beach has 2. The tail of the Florida top ten includes Brevard 1, Collier 1 and Manatee 1.

Reading the outcome floors for Florida life science labs

From 27 Florida loans, Florida cancellation counts through FY2024 stay sparse, and also funded Florida loans are too few for charge-offs. Silence is not a rate of zero. SBA codes the research business and not the lab building, and that code also takes in research outside life science, so Florida counts run wider than the class name implies. SBA-outside loans never appear in Florida's file.

What a Florida lab study must prove

The user comes first, so show which research firms near Miami-Dade would take lab space. Ventilation, power and specialized plumbing can cost more than the shell, so a loan near $239,900 needs an engineer's budget. Revenue often depends on grants or funding rounds, so the test must survive a delay. Permits set the timeline, and no revenue should be counted before they are in hand. An appraiser values lab space on how many other tenants could use it. Show which instruments belong to the tenant.