Cogent Bank
Headquartered in ORLANDO, FL. Analysis based on 168 SBA 7(a) loans approved between FY2020 and 2025-12-31, totaling $201.5M.
Total 7(a) loans
168
Total approved
$201.5M
Average loan
$1.2M
States funded in
14
Charge-off rate
0.00%
FY2020–FY2023 cohort
Paid-in-full rate
22.11%
Average rate
8.38%
Average term
202 mo
Top 10 industries financed
| NAICS | Industry | Loans |
|---|---|---|
| 722511 | Full-Service Restaurants | 12 |
| 722515 | Snack and Nonalcoholic Beverage Bars | 10 |
| 238990 | All Other Specialty Trade Contractors | 8 |
| 447110 | Gasoline Stations with Convenience Stores | 6 |
| 624410 | Child Day Care Services | 5 |
| 722513 | Limited-Service Restaurants | 5 |
| 445299 | All Other Specialty Food Stores | 4 |
| 423990 | Other Miscellaneous Durable Goods Merchant Wholesalers | 3 |
| 445291 | Baked Goods Stores | 3 |
| 621111 | Offices of Physicians (except Mental Health Specialists) | 3 |
Top 10 states
| State | Loans |
|---|---|
| FL | 104 |
| GA | 39 |
| NC | 7 |
| SC | 4 |
| TN | 3 |
| TX | 2 |
| CO | 2 |
| NY | 1 |
| MO | 1 |
| OK | 1 |
Top franchise brands financed
35 franchise loans across 25 distinct brands.
| Franchise | Loans |
|---|---|
| Foxtail Coffee Co | 6 |
| Smoothie King | 2 |
| Premier Petroleum, Inc - Petro | 2 |
| Ivy Kids Early Learning Center | 2 |
| Cary Oil Company Inc - Complet | 2 |
| Nuviva Medical Weight Loss | 2 |
| Allstar Petroleum, Inc. Contra | 1 |
| Maple Bear School | 1 |
| Holiday Inn/Holiday Inn & Suit | 1 |
| ARCpoint Labs | 1 |
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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.