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Find the best SBA lenders, rates, loan types, and resources at SBARates.com your ultimate directory for Small Business Administration (SBA) loans. Compare current SBA loan rates, explore approved lenders, search by NAICS code, and discover funding options

Cogent Bank (FL)

Cogent Bank (FL)

Our team offers a broad range of lending, depository, treasury management, and digital banking services. Together, we are Moving You Forward.

7a General
Change of Ownership
Existing or more than 2 years old
International Trade Loans
Loan Funds will Open Business
# New Business or 2 years or less
# Preferred Lenders Program
# Startup
# Variable Rates
SBA Loan Approval Count : 26
SBA Loans Total Approval Amount YTD: $35,926,200
Average SBA Loan Size: $1,381,777
Average SBA Loan Rate over Prime (this number plus current prime rate): 2.27
Cogent Bank (FL)

Unlock Your Financial Potential with Cogent Bank (FL)

Cogent Bank, headquartered in Orlando, Florida, is a progressive, technology-driven community bank dedicated to providing customized financial solutions to small and mid-sized businesses. With a client-focused approach and extensive SBA lending expertise, Cogent helps Florida entrepreneurs secure affordable, government-backed financing to achieve their business goals.

Key Features of Cogent Bank

  • Comprehensive Business Banking: Business checking and savings accounts, treasury management, merchant services, and digital tools designed to help companies operate efficiently and scale confidently.
  • SBA Loan Expertise: Cogent Bank is an active SBA lender offering SBA 7(a) and 504 loan programs. Its experienced commercial lending team helps business owners navigate the SBA process, providing tailored financing for working capital, real estate, equipment, and expansion projects.
  • Technology-Forward Banking: Cogent leverages advanced digital banking platforms to streamline applications, approvals, and account management for busy business owners.
  • Flexible Commercial Lending Options: Beyond SBA loans, Cogent provides commercial real estate financing, equipment loans, and lines of credit — all supported by fast, local decision-making.
  • Commitment to Florida Communities: As a Florida-based community bank, Cogent reinvests in local businesses, supports economic development, and fosters innovation across industries statewide.

Why Choose Cogent Bank for SBA Loans?

Cogent Bank blends cutting-edge technology with personalized service to deliver efficient and transparent SBA loan solutions. Its dedicated SBA team works one-on-one with borrowers to simplify the process, offer competitive terms, and ensure timely funding. Whether you’re launching a new venture, expanding operations, or acquiring assets, Cogent Bank provides the expertise and resources to help you succeed.

How to Get Started

Ready to grow your business with an SBA loan or other financing option? Visit the Cogent Bank Business Banking page to explore current offerings, review eligibility, and connect with a local SBA specialist who can guide you through the process.

Empower your financial future today with Cogent Bank — where Florida businesses come to grow.

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We’re here to help you and your community grow. Join us to see how personal service can make big things happen. Experience better community banking with 1st S

SBA Loan Approval Count : 20
SBA Loans Total Approval Amount YTD: $2,057,500
Average SBA Loan Size: $102,875
Average SBA Loan Rate over Prime (this number plus current prime rate): 2.95
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SBA Loan Approval Count : 72
SBA Loans Total Approval Amount YTD: $25,639,000
Average SBA Loan Size: $356,097
Average SBA Loan Rate over Prime (this number plus current prime rate): 1.975
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22nd State Banking Company (AL)

22nd State Banking Company (AL)

For over a century, 22nd State Bank has delivered trusted, relationship-focused banking throughout Lower Alabama.

SBA Loan Approval Count : 18
SBA Loans Total Approval Amount YTD: $16,061,000
Average SBA Loan Size: $892,278
Average SBA Loan Rate over Prime (this number plus current prime rate): 2.61
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