Climate First Bank
Headquartered in St. Petersburg, FL. Analysis based on 157 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $179.2M.
Total 7(a) loans
157
Total approved
$179.2M
Average loan
$1.1M
States funded in
29
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
50.00%
Average rate
10.00%
Average term
139 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 713940 | Fitness and Recreational Sports Centers | 11 |
| 713990 | All Other Amusement and Recreation Industries | 11 |
| 812199 | Other Personal Care Services | 9 |
| 722513 | Limited-Service Restaurants | 9 |
| 722511 | Full-Service Restaurants | 6 |
| 238220 | Plumbing, Heating, and Air-Conditioning Contractors | 5 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 5 |
| 561720 | Janitorial Services | 5 |
| 238210 | Electrical Contractors | 4 |
| 721110 | Hotels (except Casino Hotels) and Motels | 4 |
Top 10 states
| State | Loans |
|---|---|
| FL | 64 |
| TX | 16 |
| CA | 8 |
| NC | 7 |
| WA | 6 |
| AL | 6 |
| IA | 5 |
| GA | 5 |
| PA | 5 |
| NY | 3 |
Top franchise brands financed
55 franchise loans across 36 distinct brands.
| Franchise | Loans |
|---|---|
| Degree Wellness | 4 |
| Spark by Hilton | 4 |
| Golf Envy | 4 |
| Soccer 5 | 3 |
| Juici Patties | 2 |
| Teriyaki Madness | 2 |
| Grass!365 | 2 |
| HealthSource Chiropractic | 2 |
| D1T raining | 2 |
| 4Ever Young | 2 |
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Data source & methodology
All figures computed from the SBA Office of Capital Access FOIA dataset (7(a) loans, FY2020–present, as of 2025-12-31). Charge-off and paid-in-full rates are calculated on the FY2020–FY2023 cohort only, so loans have had time to mature. Charge-off rank covers lenders with ≥500 mature loans.