Barwick Banking Company (FL)
SBA loan rates, programs and alternatives for this bank in Florida.
Barwick Banking Company is a community bank with roots in south Georgia that also serves north Florida. SBA's records list it under Florida, which is why the state code on this page is FL.
Maximum SBA rates at Barwick Bank
Every SBA lender must stay at or below the SBA's caps, which are tied to the prime rate (7.00%). A loan over $350,000 can't carry a variable rate above 10.00%.
| Loan amount | Maximum spread | Maximum variable rate today |
|---|---|---|
| $50,000 or less | Prime + 6.5 | 13.50% |
| $50,001 to $250,000 | Prime + 6.0 | 13.00% |
| $250,001 to $350,000 | Prime + 4.5 | 11.50% |
| Over $350,000 | Prime + 3.0 | 10.00% |
Ask Barwick Bank for its spread over prime. Two lenders can both be under the cap and still be a full point apart.
Before you apply
- Ask whether the lender is an SBA Preferred Lender and how many SBA loans it closed last year in your industry.
- Request the spread over prime, the fixed-rate option, and all fees in writing.
- Get at least one more quote. Our lender directory lists other SBA lenders in Florida.
Questions
Does Barwick Bank offer SBA loans?
Barwick Banking Company appears in SBA's public lending data as a participating SBA lender. Confirm which programs it offers today and whether it has Preferred Lender (PLP) status, which lets it approve loans without waiting on the SBA.
What rate will I get on an SBA loan from Barwick Bank?
The lender sets your rate below the SBA maximum. With prime at 7.00%, variable 7(a) caps run from 10.00% to 13.50%. Your rate depends on loan size, term, collateral, credit and cash flow.
Sources: SBA 7(a) terms, conditions and maximum variable rates; Federal Reserve H.15 selected interest rates (bank prime loan rate); October 2026 SBA 504 debenture pricing, as published by CDCs; SBA FOIA 7(a) and 504 loan-level data.