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Lender record

Cogent Bank

The real lending record — every figure from funded deals. HQ: 420 S Orange Ave, Orlando, FL. 10 branches.

178

Recent deals (FY20+)

$799K

Typical deal

21 days

Approval → funding

0%

Failure rate (FY20–23)

Where Cogent Bank lends

Deals Cogent Bank funded — list all 176 as text

Deal profile

Most Cogent Bank deals land between $486K and $1.5M — that range covers half of everything they fund. Top industries and states:

Industries they fund most

  1. 1.Gasoline Stations with Convenience Stores (15)
  2. 2.Full-Service Restaurants (14)
  3. 3.Snack and Nonalcoholic Beverage Bars (10)
  4. 4.All Other Specialty Trade Contractors (8)
  5. 5.Child Care Services (6)
  6. 6.Limited-Service Restaurants (5)
  7. 7.All Other Specialty Food Stores (4)
  8. 8.Offices of Certified Public Accountants (3)

Most active states

  1. 1.Florida (111 deals)
  2. 2.Georgia (42 deals)
  3. 3.North Carolina (7 deals)
  4. 4.South Carolina (4 deals)
  5. 5.Tennessee (3 deals)
  6. 6.Colorado (2 deals)
  7. 7.Texas (2 deals)
  8. 8.Missouri (1 deals)
  9. 9.New Jersey (1 deals)
  10. 10.Virginia (1 deals)

Franchises they finance most

Foxtail Coffee Co

6 deals

Nuviva Medical Weight Loss

2 deals

Ivy Kids Early Learning Center

2 deals

Cary Oil Company Inc - Complete Contract of Sale (Branded)

2 deals

Premier Petroleum, Inc - Petroleum Supply Agreement

2 deals

Can Cogent Bank fund you? The bank behind the loans

Total assets

$2.4B

▲ 0.4% vs prior quarter

Deposits on hand

$2.2B

▼ 1.2% vs prior quarter

Loans outstanding

$1.9B

▼ 0.4% vs prior quarter

Net income (latest qtr)

$12.9M

  • •An active SBA program (~0.8% 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 Cogent Bank more SBA-focused than 73% 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 2.11% — above 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 Cogent Bank branch (10)

Cogent BankMain office420 S Orange AveOrlando, FL 32801 · since 1999

Jacksonville Branch5011 Gate Pkwy Bldg 100Jacksonville, FL 32256 · since 2019

Tampa Branch1715 N West Shore BlvdTampa, FL 33607 · since 2020

Clearwater Branch28059 Us Highway 19 NClearwater, FL 33761 · since 2020

Ft. Myers Branch14421 Metropolis AveFort Myers, FL 33912 · since 2020

Orange City Branch1113 Saxon BlvdOrange City, FL 32763 · since 2020

Naples Branch999 Vanderbilt Beach RdNaples, FL 34108 · since 2021

Winter Park Branch655 W Morse BlvdWinter Park, FL 32789 · since 2021

Ocala Branch4 Se Broadway StreetOcala, FL 34471 · since 2024

Bradenton Banking Center Branch1001 3rd Ave WBradenton, FL 34205 · since 2025

Scroll for all 10 branches · Branch data: FDIC BankFind.

Recent deals

  • Aryana Wholesale LLC in Tucker, GA — $3.0M (2026) · General Line Grocery Merchant Wholesalers
  • Advanced Office Solutions Inc in Gainesville, GA — $1.7M (2026) · Office Supplies and Stationery Retailers
  • Acker LLC in Fort Myers, FL — $925K (2026) · Diet and Weight Reducing Centers
  • Florida Tackle Supply LLC in Sarasota, FL — $912K (2026) · Sporting and Recreational Goods and Supplies Merchant Wholes
  • La Cabana Tex Mex Cantina Corp in Middleburg, FL — $800K (2026) · Full-Service Restaurants
  • Liftco LLC in Ocala, FL — $750K (2026) · Industrial Machinery and Equipment Merchant Wholesalers
  • Jake Taylor Partners, Inc in Punta Gorda, FL — $630K (2026) · All Other Amusement and Recreation Industries
  • JMDG Architecture Inc in Naples, FL — $550K (2026) · Architectural Services
  • Wonder World Academy of Alpharetta LLC in Johns Creek, GA — $500K (2026) · Child Care Services
  • Greymarsh Ventures Corp in Jacksonville, FL — $460K (2026) · Remediation Services

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

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Businesses Cogent Bank financed

170 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 Cogent Bank.

Agent summary

This page summarizes Cogent 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.

  • 178 SBA 7(a) loans on record
  • $799K typical deal
  • 35 business-acquisition loans
  • HQ: 420 S Orange Ave, Orlando, FL
  • 10 FDIC branch locations
  • FDIC total assets $2.4B

Next steps

Request an introRank lendersPre-qualify a deal
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/lenders/cogent-bank
API:
https://www.capbench.com/api/public/lenders/cogent-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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