Florida First Capital Finance Corporation, Inc.: SBA Lending Record

What SBA's own loan files show about Florida First Capital Finance Corporation, Inc. as an SBA lender, and how a lender's record bears on a feasibility study.

Florida First Capital Finance Corporation, Inc. holds 3,155 loans approved from FY2017 to FY2026, worth $3.26 billion gross. Florida First Capital Finance Corporation, Inc. holds 28 7(a) loans and 3,127 504 loans. Florida First Capital Finance Corporation, Inc. is holder of 28 7(a) loans and development company on 3,127 504 loans. 3,155 loans carry SBA's guarantee, not Florida First Capital Finance Corporation, Inc.'s. Florida First Capital Finance Corporation, Inc. projects: first-lien lenders are not credited.

What Florida First Capital Finance Corporation, Inc. holds, by class and state

Florida First Capital Finance Corporation, Inc. lists Full-service restaurant, 148, Hotel and motel, 143, Child care center, 130, Car wash, 108 and Medical office (physicians), 88 loans among its leading classes. The largest Florida First Capital Finance Corporation, Inc. group, 1,979 loans, fits no tracked class. Florida First Capital Finance Corporation, Inc.'s states by loans run Florida, 2,977, Alabama, 95 and Georgia, 66.

Florida First Capital Finance Corporation, Inc. outcome floors

Florida First Capital Finance Corporation, Inc. has a cancellation floor of 16.9% across FY2017 to FY2024 approvals. The Florida First Capital Finance Corporation, Inc. range runs from that floor up to 24.4%, the ceiling. Florida First Capital Finance Corporation, Inc. has no charged-off rate to print. Florida First Capital Finance Corporation, Inc. had under 30 of 3,155 loans disbursed in FY2017 to FY2021. Florida First Capital Finance Corporation, Inc. rate: withheld by Loan Analytics' own rule. Florida First Capital Finance Corporation, Inc.: each rate is the least SBA shows.

Florida First Capital Finance Corporation, Inc.: what a study should test

148 loans of Florida First Capital Finance Corporation, Inc. fall in the Full-service restaurant class. Florida First Capital Finance Corporation, Inc. study must prove seating demand. Florida First Capital Finance Corporation, Inc.: site traffic remains open across 148 Full-service restaurant loans. Florida First Capital Finance Corporation, Inc. study also needs labour and food cost. Florida First Capital Finance Corporation, Inc.: 143 loans in the Hotel and motel class. Florida First Capital Finance Corporation, Inc. study needs franchise cost. 143 Hotel and motel loans do not settle rate and occupancy. Florida First Capital Finance Corporation, Inc. total of $3.26 billion says nothing about any one site. 1,979 Florida First Capital Finance Corporation, Inc. loans fit no tracked class. Florida First Capital Finance Corporation, Inc.: the project must carry the case. For 2,977 Florida First Capital Finance Corporation, Inc. loans in Florida, local evidence still decides. Florida First Capital Finance Corporation, Inc. 504 projects need first-lien debt and equity. Florida First Capital Finance Corporation, Inc. should be asked directly what it needs. 3,155 loans at Florida First Capital Finance Corporation, Inc. do not measure demand at one site. Florida First Capital Finance Corporation, Inc. totals trail supply near the site. Florida First Capital Finance Corporation, Inc. study: written support behind each revenue figure. Florida First Capital Finance Corporation, Inc. request needs build cost from quotes. Florida First Capital Finance Corporation, Inc. debt service needs a cautious revenue case. The property needs its own appraisal, independent of what Florida First Capital Finance Corporation, Inc. holds. Florida First Capital Finance Corporation, Inc. study needs a downside case in writing. Florida First Capital Finance Corporation, Inc.: assumptions stated, coverage tested, value supported. Florida First Capital Finance Corporation, Inc. lists 3,155 loans and $3.26 billion in gross approvals. Florida First Capital Finance Corporation, Inc. equity belongs in the study.

Florida First Capital Finance Corporation, Inc. cancellation rates use approvals through FY2024 only. Florida First Capital Finance Corporation, Inc. totals add FY2025 and FY2026 approvals. Florida First Capital Finance Corporation, Inc. figures describe loans held, not lender practices. 3,155 loans cannot predict one new request to Florida First Capital Finance Corporation, Inc. For Florida First Capital Finance Corporation, Inc., a withheld value is never a zero.

SBA loans held by Florida First Capital Finance Corporation, Inc.

SBA guarantees these loans; the lender does not. The lender's name and every figure come from the U.S. Small Business Administration's public 7(a) and 504 FOIA file (data.sba.gov).

7(a) lender is the bank or lender the loan is currently assigned to (or last held it), as SBA records it; 504 lender is the Certified Development Company (CDC). 504 third-party (first-lien) lenders are free text with no identifier and are not credited.

One organisation under two SBA identifiers: a CDC (504) that also lends under 7(a), linked by equal normalised name and equal lender state (manifests/ld2/lender-links.csv).

Loans approved, FY2017 to FY20263,155
Gross dollars approved$3.26 billion
SBA 7(a) loans28
SBA 504 loans3,127

Cancellation and charge-off

Cancelled after approval, FY2017 to FY2024 approvals (a floor)16.9%
The same, counting loans still undisbursed as cancelled (a ceiling)24.4%
Charged off to date, FY2017 to FY2021 disbursed loans (a floor)withheld

Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.

Loans by asset class

Asset classLoans
Not in any of the 39 asset classes1,979
Full-service restaurant148
Hotel and motel143
Child care center130
Car wash108
Medical office (physicians)88
Limited-service restaurant64
Dental office57
Fitness center50
Automotive mechanical repair (car and truck)41
Assisted living (without nursing care)37
Beauty salon34
Self storage31
Beverage manufacturing (breweries, wineries, distilleries)29
Grocery store27
Veterinary clinic25
Gas station and truck stop23
Rehabilitation and therapy clinic19
Coffee shop and snack bar17
School (elementary and secondary, including charter)15
RV park and campground11
Warehouse and distribution11
Skilled nursing11
Caterers (includes banquet halls with catering staff)9
Diagnostic imaging center8
Behavioral health and addiction treatment8
Liquor store7
Nonresidential lessor (flex, office and retail investor buildings)5
Continuing care retirement community5
Urgent care and ambulatory surgery5
Marina5

Classes with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

Loans by project state

State or areaLoans
Florida2,977
Alabama95
Georgia66

States with 5 or more loans; smaller ones are withheld, and more where a small one could be derived.

A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.

Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; Loan Analytics lender cell LP-cdc-0188263.

Loan Analytics prepares the feasibility study a lender reads before it commits: for a commercial project anywhere in the United States, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan, by Florida First Capital Finance Corporation, Inc. or any other lender. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.

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