#1SouthState Bank, National Association
Based in Winter Haven, FL
SBA Lenders in Winter Haven, FL
The top-ranked SBA lenders serving Winter Haven, FL are SouthState Bank, National Association, Midflorida CU and Bank of Central Florida. We list 85 SBA lenders serving Winter Haven, FL. 30 of the providers shown match an active record from U.S. Small Business Administration, checked on the date shown. Rankings follow our published methodology; sponsored placements never change rank.
SBA Lenders serving Winter Haven, FL (Polk County). 85 providers, 10 of the top 10 verified against federal or state records. Registry records checked on 2026-11-04.
Top 10 ranked SBA lenders for Winter Haven
| # | Provider | Verified records | Based in | Phone |
|---|---|---|---|---|
| 1 | SouthState Bank, National Association | Lender on 874 SBA-guaranteed loans (FY 2024) | Winter Haven, FL | — |
| 2 | Midflorida CU | Lender on 5 SBA-guaranteed loans (FY 2024) | Lakeland, FL (14 mi) | — |
| 3 | Bank of Central Florida | Lender on 7 SBA-guaranteed loans (FY 2024) | Medulla, FL (15 mi) | (863) 701-2685 |
| 4 | Crews Bank and Trust | Lender on 7 SBA-guaranteed loans (FY 2024) | Wauchula, FL (35 mi) | (863) 773-4151 |
| 5 | McCoy FCU | Lender on 6 SBA-guaranteed loans (FY 2024) | Belle Isle, FL (36 mi) | — |
| 6 | Central Bank | Lender on 14 SBA-guaranteed loans (FY 2024) | Pebble Creek, FL (39 mi) | (813) 929-4477 |
| 7 | One Florida Bank | Lender on 6 SBA-guaranteed loans (FY 2024) | Orlando, FL (39 mi) | (407) 693-0601 |
| 8 | Suncoast CU | Lender on 7 SBA-guaranteed loans (FY 2024) | East Lake-Orient Park, FL (40 mi) | — |
| 9 | Cogent Bank | Lender on 96 SBA-guaranteed loans (FY 2024) | Orlando, FL (40 mi) | — |
| 10 | BBIF Captial, Inc. | Lender on 9 SBA-guaranteed loans (FY 2024) | Orlando, FL (41 mi) | — |
#2Midflorida CU
Serves this area from Lakeland, FL (14 mi)#3Bank of Central Florida
Serves this area from Medulla, FL (15 mi)#4Crews Bank and Trust
Serves this area from Wauchula, FL (35 mi)#5McCoy FCU
Serves this area from Belle Isle, FL (36 mi)#6Central Bank
Serves this area from Pebble Creek, FL (39 mi)#7One Florida Bank
Serves this area from Orlando, FL (39 mi)#8Suncoast CU
Serves this area from East Lake-Orient Park, FL (40 mi)#9Cogent Bank
Serves this area from Orlando, FL (40 mi)#10BBIF Captial, Inc.
Serves this area from Orlando, FL (41 mi)
20 more providers serving this area
- GTE FCU d/b/a GTE Financial, Tampa, FL (45 mi)
- The Bank of Tampa, Tampa, FL (45 mi)
- Florida Business Development Corporation, Tampa, FL (49 mi)
- Climate First Bank, St. Petersburg, FL (58 mi)
- BayFirst National Bank, St. Petersburg, FL (59 mi)
- Sunshine State Economic Development Corporation, FL
- Waterfall Bank, Clearwater, FL (66 mi)
- First Bank, Clewiston, FL (102 mi)
- iTHINK Financial Credit Union, Delray Beach, FL (148 mi)
- Paradise Bank, Boca Raton, FL (153 mi)
- First Federal Bank, FL
- BankUnited, National Association, Miami Lakes, FL (171 mi)
- City National Bank of Florida, Coral Gables, FL (183 mi)
- Newtek Bank, National Association, Miami, FL (184 mi)
- Florida First Capital Finance Corporation, Inc., Tallahassee, FL (226 mi)
- Colony Bank, Fitzgerald, GA (269 mi)
- PromiseOne Bank, GA
- United Community Bank, Greenville, SC (470 mi)
- Hancock Whitney Bank, Gulfport, MS (473 mi)
- SouthPoint Bank, Birmingham, AL (475 mi)
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Frequently asked questions
How many SBA lenders serve Winter Haven?
We list 85 SBA lenders serving Winter Haven, FL: 1 based there and 84 serving it from nearby. 10 of the top 10 match an active federal or state record, checked on 2026-11-04.
Which SBA lenders serve Winter Haven?
The top-ranked SBA lenders serving Winter Haven, FL are SouthState Bank, National Association, Midflorida CU, Bank of Central Florida, Crews Bank and Trust and McCoy FCU. The full ranked list, with the official records each provider matched, is on this page.
Which SBA lenders serving Winter Haven are verified against official records?
10 of the top 10 match an active official record: SouthState Bank, National Association (U.S. Small Business Administration), Midflorida CU (U.S. Small Business Administration), Bank of Central Florida (U.S. Small Business Administration), Crews Bank and Trust (U.S. Small Business Administration) and McCoy FCU (U.S. Small Business Administration), and 5 more on this page. Each badge links to the official record it matched.
How are these companies ranked?
By our published methodology: verified registrations, documented capabilities, years registered and responsiveness. Sponsored placements are shown separately and never affect rank.
What does "Verified" mean on this page?
"Verified" means we matched the provider to an active official record on the date shown; each badge links to that record. The absence of a badge only means we have not verified that item.
What is the difference between SBA 7(a) and 504 loans?
SBA 7(a) loans fund many purposes, from working capital to acquisitions. SBA 504 loans pair a bank with a Certified Development Company to finance real estate and major equipment.
"Verified" means we matched the provider to an active official record on the date shown. The absence of a badge only means we have not verified that item. How we rank and verify. Page updated .