Gulf Coast Bank and Trust Company
- Loans
- 50
- Approved
- $64M
- Median deal
- $953,950
- Median rate
- 9.75%
#43 of 249 by loans, FY2025 to FY2026 Q3
gross approvals
national $709,300
national 9.25% at approval
Loans per fiscal year
FY2026 is partial: 22 loans approved through June 30, 2026.
| Fiscal year | Loans |
|---|---|
| FY2020 | 36 |
| FY2021 | 29 |
| FY2022 | 14 |
| FY2023 | 16 |
| FY2024 | 38 |
| FY2025 | 28 |
| FY2026 (partial year, through June 30, 2026) | 22 |
How they lend
Across 50 change-of-ownership loans, FY2025 to FY2026 Q3.
Acquisition share of their 7(a) lending
Acquisitions 183 (27.0%)Other purposes 496 (73.0%)
Their full 7(a) book since FY2020 is 679 loans. Every other figure on this page counts the 183 acquisition loans only.
Initial rate structure
Variable 96.00%Fixed 4.00%
- Middle half of rates
- 9.50% to 10.00%
- Typical margin over Prime
- Prime + 2.50% at approval (48 variable loans)
- Recent median rate
- 9.25% (n = 19, Jan 1 to Jun 30, 2026)
- Median term
- 120 months
- Collateral reported
- 100.00% of loans
- Sold on the secondary market
- 70.00% of loans
- Franchise loans
- 8.00% of loans
- Approval to first disbursement
- 26 days (n = 38)
Processing method
| Preferred Lenders Program | 92.00% | |
| SBA Express Program | 6.00% | |
| 7a General | 2.00% |
SBA processing-method labels as they appear in the loan file, as shares of this lender’s window loans.
What they fund
Industries and deal sizes across 50 change-of-ownership loans, FY2025 to FY2026 Q3.
Top industries
| Health Care and Social Assistance | 18.00% | |
| Construction | 16.00% | |
| Administrative and Support and Waste Management and Remediation Services | 10.00% | |
| Other Services (except Public Administration) | 10.00% | |
| Retail Trade | 10.00% |
Deal size mix
Under $350K 10.00%$350K to $1M 48.00%$1M to $3.5M 42.00%$3.5M+ 0.00%
Sectors from each loan’s NAICS code; deal sizes from gross approval amounts. Window loans only.
Where they lend
Top states by this lender’s change-of-ownership loans, FY2025 to FY2026 Q3.
- Florida8 loans
- Texas8 loans
- California7 loans
- Louisiana5 loans
- North Carolina5 loans
Grouped by ProjectState. State names link to the state lender pages where one exists.
Run a deal at these rates
The deal analyzer prices an acquisition with current SBA terms and shows whether the numbers cover the debt.
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Every 7(a) acquisition lender in the country, searchable and sortable, with loan counts, medians, and rates.
Browse all lendersSource: SBA 7(a) FOIA file, change-of-ownership loans for Gulf Coast Bank and Trust Company. Window stats cover FY2025 to FY2026 Q3, as of June 30, 2026, and refresh with each quarterly cut. Rates and rate quartiles are the rates at approval. Website, headquarters, assets, founding year, and office count come from the FDIC BankFind Suite API and, for credit unions, the NCUA Credit Union Locator (public US government data). Methodology. See an error? Email us and we will correct it.