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Lender record

BayFirst National Bank

The real lending record — every figure from funded deals. HQ: 700 Central Ave, Saint Petersburg, FL. 12 branches.

BayFirst National Bank banner

2,000+

Recent deals (FY20+)

$150K

Typical deal

4 days

Approval → funding

6.4%

Failure rate (FY20–23)

Where BayFirst National Bank lends

Deals BayFirst National Bank funded — list all 500 as text

Deal profile

Most BayFirst National Bank deals land between $114K and $150K — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Residential Remodelers (67)
  2. 2.Clothing and Clothing Accessories Retailers (46)
  3. 3.Plumbing, Heating, and Air-Conditioning Contractors (45)
  4. 4.Insurance Agencies and Brokerages (37)
  5. 5.Electrical Contractors and Other Wiring Installation Contrac (36)
  6. 6.General Automotive Repair (36)
  7. 7.Janitorial Services (33)
  8. 8.Administrative Management and General Management Consulting (32)

Most active states

  1. 1.California (282 deals)
  2. 2.Florida (240 deals)
  3. 3.Texas (211 deals)
  4. 4.New York (175 deals)
  5. 5.New Jersey (72 deals)
  6. 6.Georgia (71 deals)
  7. 7.Illinois (69 deals)
  8. 8.Washington (63 deals)
  9. 9.Colorado (59 deals)
  10. 10.Pennsylvania (56 deals)

Franchises they finance most

GLO TANNING

7 deals

Mathnasium Learning Centers

4 deals

Kitchen Tune Up

3 deals

Dumpster Today

2 deals

Acton Academy

2 deals

Can BayFirst National Bank fund you? The bank behind the loans

Total assets

$1.2B

▼ 8% vs prior quarter

Deposits on hand

$1.1B

▼ 8.3% vs prior quarter

Loans outstanding

$909.8M

▼ 3.4% vs prior quarter

Net income (latest qtr)

$-5.5M

  • •An active SBA program (~0.9% of the book in this year's production) — they know the process, but SBA isn't the main event. Ask who runs their SBA desk before committing your timeline. That makes BayFirst National Bank more SBA-focused than 76% of the banks on our record.
  • •Deposits shrank last quarter — worth asking early how much new-loan appetite they have right now.
  • •Return on assets of -1.75% — well under the ~1% mark generally considered strong for a bank. How any of this translates to your rate is a question for the loan officer — pricing is set deal by deal.

FDIC call-report data, quarter ending 03/2026.

Walk into a BayFirst National Bank branch (11)

Bayfirst National BankMain office700 Central AveSaint Petersburg, FL 33701 · since 1999

Pinellas Park Office5250 Park Blvd NPinellas Park, FL 33781 · since 2005

Seminole Branch9190 Seminole BlvdSeminole, FL 33772 · since 2016

Countryside Branch2520 Countryside BlvdClearwater, FL 33763 · since 2018

Tampa Branch3015 W Columbus DrTampa, FL 33607 · since 2020

Belleair Bluffs Branch401 Indian Rocks Rd NBelleair Bluffs, FL 33770 · since 2021

West Bradenton Branch2102 59th St WBradenton, FL 34209 · since 2022

Carollwood Branch16002 N. Dale MabryTampa, FL 33618 · since 2023

Bee Ridge Branch5600 Bee Ridge RdSarasota, FL 34233 · since 2023

North Sarasota Branch1782 Dr. Martin Luther King Jr. WaySarasota, FL 34234 · since 2023

South Trail Sarasota Branch2075 S. Tamiami TrailSarasota, FL 34239 · since 2024

Scroll for all 11 branches · Branch data: FDIC BankFind.

Recent deals

  • Claymen Holdings LLC in Silver Creek, GA — $1.2M (2026) · purchase · All Other Specialty Trade Contractors
  • Glo Up Capital Limited Liability Company in American Fork, UT — $971K (2026) · Other Personal Care Services
  • LEARNING ADVENTURES PRESCHOOL INC. in Saint Petersburg, FL — $957K (2026) · purchase · Child Care Services
  • Be Bagby Holdings Co. in Chicago, IL — $495K (2026) · purchase · Child Care Services
  • ATLANTIS DENTAL in Dallas, TX — $490K (2026) · Offices of Dentists
  • Emerald Tax & Accounting Solutions, LLC in Asheboro, NC — $473K (2026) · purchase · Tax Preparation Services
  • L4 Industries LLC in Dover, FL — $425K (2026) · Solid Waste Collection
  • Texas United Rehab Therapy Specialists, LLC in Converse, TX — $350K (2026) · Offices of Physical, Occupational and Speech Therapists, and
  • OLUNNA LLC in Dallas, TX — $350K (2026) · Insurance Agencies and Brokerages
  • INTEGRAL NETWORKS INC. in Rocklin, CA — $350K (2026) · Computing Infrastructure Providers, Data Processing, Web Hos

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Failed deals

320 of BayFirst National Bank's loans on record were charged off — the lender gave up collecting, which usually means the business failed (largest 150 shown). Each links to its full record.

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Businesses BayFirst National Bank financed

8,287 businesses on record — the 60 largest by funding. Each links to its full SBA record.

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CapBench analysis of public lending records, FY2020–present. Not affiliated with BayFirst National Bank.

Agent summary

This page summarizes BayFirst National Bank's public SBA 7(a) lending record — deal sizes, industries, geography, and FDIC profile — from CapBench SBA Intelligence. CapBench is not a lender and does not originate or approve loans.

  • 2,000 SBA 7(a) loans on record
  • $150K typical deal
  • 62 business-acquisition loans
  • HQ: 700 Central Ave, Saint Petersburg, FL
  • 11 FDIC branch locations
  • FDIC total assets $1.2B

Next steps

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Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/bayfirst-national-bank
API:
https://www.capbench.com/api/public/lenders/bayfirst-national-bank
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Lender matches are informational and based on public lending activity — they do not guarantee lender interest or approval.

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