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Cogent Bank is a state-chartered, Florida-based commercial bank offering diversified products including Association Banking, Business Aviation, Public Finance, and Cannabis Banking. The bank operates 8 Florida banking centers and provides lending, depository, treasury management, and digital banking services.
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SBA 7(a) Acquisition Loan Data As Of December 31, 2025
Last 12 Months
Last 3 Years
YoY Growth
low activity
As Of December 31, 2025
Median
$604K
Average
$1.2M
Sweet Spot
$0-$500K
Industries with highest loan volume
Full-Service Restaurants
2
loans
$866K
avg. amount
Full-Service Restaurants
Loans
2
Avg. Amount
$866K
Plumbing, Heating, and Air-Conditioning Contractors
2
loans
$1.9M
avg. amount
Plumbing, Heating, and Air-Conditioning Contractors
Loans
2
Avg. Amount
$1.9M
Other Personal and Household Goods Repair and Maintenance
2
loans
$352K
avg. amount
Other Personal and Household Goods Repair and Maintenance
Loans
2
Avg. Amount
$352K
Couriers and Express Delivery Services
1
loans
$324K
avg. amount
Couriers and Express Delivery Services
Loans
1
Avg. Amount
$324K
All Other Personal Services
1
loans
$463K
avg. amount
All Other Personal Services
Loans
1
Avg. Amount
$463K
Offices of Physicians (except Mental Health Specialists)
1
loans
$3.7M
avg. amount
Offices of Physicians (except Mental Health Specialists)
Loans
1
Avg. Amount
$3.7M
All Other Specialty Trade Contractors
1
loans
$846K
avg. amount
All Other Specialty Trade Contractors
Loans
1
Avg. Amount
$846K
Marinas
1
loans
$3.0M
avg. amount
Marinas
Loans
1
Avg. Amount
$3.0M
Offices of Dentists
1
loans
$708K
avg. amount
Offices of Dentists
Loans
1
Avg. Amount
$708K
Baked Goods Retailers
1
loans
$655K
avg. amount
Baked Goods Retailers
Loans
1
Avg. Amount
$655K
10-Year Default Rate
0.0%
Percentile Ranking
0th percentile
This Lender
Market Average
| Loan Size | Avg Rate |
|---|---|
| $0-$500K | Prime + 2.88% |
| $500K-$1M | Prime + 2.50% |
| $1M-$2M | Prime + 2.25% |
| $2M-$3M | Prime + 1.50% |
| $3M-$4M | Prime + 2.13% |
As Of December 31, 2025 - States by loan volume (darker blue = higher volume)