Offices of Certified Public Accountants acquisitions in Florida: SBA loan data
Since FY2018, SBA lenders have approved 72 7(a) loans to buy an existing business classified as Offices of Certified Public Accountants in Florida, totaling $59M. The median loan was $572,500. That is 2.0% of the 3,624 acquisition loans in Florida.
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How Offices of Certified Public Accountants in Florida compares
| Measure | Offices of Certified Public... | Florida, all industries | Offices of Certified..., nationwide | All acquisitions |
|---|---|---|---|---|
| Median loan | $572,500 | $751,700 | $495,000 | $645,250 |
| Middle half of loans | $286,250 to $1,133,050 | $350,000 to $1,584,250 | $270,000 to $933,625 | $283,000 to $1,465,000 |
| Average initial rate | 7.97% | 8.14% | 7.69% | 7.76% |
| Median term | 10 years | 10 years | 10 years | 10 years |
| Charge-off rate (seasoned loans) | 0.0% | 5.7% | 2.9% | 3.5% |
| Loans in sample | 72 | 3,624 | 620 | 48,902 |
The median for Offices of Certified Public Accountants acquisition loans in Florida is $572,500, below the $751,700 median for all Florida acquisitions, above the $495,000 median for Offices of Certified Public Accountants acquisitions nationwide and slightly below the $645,250 median for all SBA-financed acquisitions nationally.
The middle half runs $286,250 to $1,133,050, against $283,000 to $1,465,000 nationally; the median term is 10 years, the same as the national median; the average initial rate is 7.97%, above the 7.76% national average.
None of the seasoned loans were charged off, against 5.7% for all Florida acquisitions, 2.9% for Offices of Certified Public Accountants acquisitions nationwide and 3.5% for all acquisition loans.
Loan size distribution
| Loan size | Offices of Certified Public... | All acquisitions |
|---|---|---|
| Under $350K | 31% | 30% |
| $350K to under $1M | 36% | 33% |
| $1M to under $2M | 25% | 19% |
| $2M and over | 8% | 17% |
Most Offices of Certified Public Accountants acquisition loans in Florida (67%) were under $1M, and the largest single band is $350K to under $1M at 36%, against 33% of all acquisition loans.
Bands are fixed dollar ranges chosen for comparison. They are not SBA program limits.
Lender concentration
Live Oak Banking Company made 19% of Offices of Certified Public Accountants acquisition loans in Florida, and the top three lenders together made 33%. 8 of the 34 lenders involved made three or more. Repeat experience is spread across many banks. That is a rough guide to how many banks have seen this kind of deal before.
Recent activity
In FY2025 and FY2026 combined, 17 Offices of Certified Public Accountants acquisition loans in Florida were approved. That is 15% fewer than the 20 approved in FY2023 and FY2024. The median was $948,000, well above the $572,500 median across all years.
Offices of Certified Public Accountants acquisition loans in Florida by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 9 | $3.6M | $269,000 | |
| FY2019 | 5 | $4.3M | $1,021,700 | |
| FY2020 | 10 | $7.9M | $482,250 | |
| FY2021 | 5 | $3.2M | $580,000 | |
| FY2022 | 6 | $2.8M | $343,000 | |
| FY2023 | 9 | $6.6M | $705,900 | |
| FY2024 | 11 | $14.5M | $1,126,500 | |
| FY2025 | 7 | $6.6M | $500,000 | |
| FY2026 | 10 | $9.5M | $1,071,500 |
How often do these acquisition loans fail?
Of the 29 Offices of Certified Public Accountants in Florida acquisition loans approved from FY2018 to FY2021 (the seasoned cohort, every loan at least about five years old), none have been charged off by the SBA. 17 have already been paid in full.
For comparison, Offices of Certified Public Accountants in Florida has none charged off, against the 3.5% average across all SBA 7(a) acquisition loans in the same cohort. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Top lenders
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | Live Oak Banking Company | 14 | 19.4% | $15.5M | |
| 2 | The Huntington National Bank | 5 | 6.9% | $3.6M | |
| 3 | SouthState Bank, National Association | 5 | 6.9% | $2.5M | |
| 4 | The Bancorp Bank National Association | 4 | 5.6% | $3.5M | |
| 5 | United Midwest Savings Bank National Association | 4 | 5.6% | $2.6M |
Top franchise brands
No franchise brands recorded in this combination.
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Questions buyers ask
How much do SBA loans for Offices of Certified Public Accountants acquisitions in Florida run?
The median SBA 7(a) loan was $572,500 across 72 loans (FY2018 to FY2026), with the middle half between $286,250 and $1,133,050. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Offices of Certified Public Accountants acquisitions in Florida?
Live Oak Banking Company (14), The Huntington National Bank (5), SouthState Bank, National Association (5), The Bancorp Bank National Association (4), United Midwest Savings Bank National Association (4). Some lenders repeatedly finance this industry in this state; the counts above show which.
How often do Offices of Certified Public Accountants acquisition loans fail in Florida?
Of 29 seasoned loans (FY2018 to FY2021), none were charged off, against the 3.5% rate for all SBA acquisition loans. With a sample this size, treat the figure as a direction, not a precise rate.
Are franchised businesses part of Offices of Certified Public Accountants acquisitions in Florida?
1 of the 72 loans (1%) involved a franchise brand.
How much do you need down for an SBA loan to buy an Offices of Certified Public Accountants business in Florida?
The SBA requires the buyer to make an equity injection, commonly 10% of total project cost, and a lender may ask for more. The SBA file does not record injections, so the figures here are the financed portion: the median for Offices of Certified Public Accountants acquisition loans in Florida was $572,500, and the middle half ran $286,250 to $1,133,050.
How long does an SBA acquisition loan take?
For a change-of-ownership 7(a) loan, 45 to 90 days from application to close is typical. It varies by lender and by how quickly third-party reports, such as the business valuation and appraisal, come back. The SBA file records approval dates, not application dates, so this site cannot measure it. Lenders approved 17 Offices of Certified Public Accountants acquisition loans in Florida in FY2025 and FY2026.
Which banks make SBA loans for an Offices of Certified Public Accountants business in Florida?
By loan count, FY2018 to FY2026: Live Oak Banking Company (14), The Huntington National Bank (5), SouthState Bank, National Association (5), The Bancorp Bank National Association (4), United Midwest Savings Bank National Association (4). Live Oak Banking Company made 19% of Offices of Certified Public Accountants acquisition loans in Florida. Counts show past approvals only and do not predict whether a lender will approve a particular deal.
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Related
- All Florida acquisitions
- Offices of Certified Public Accountants nationally
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- Offices of Certified Public Accountants in Texas
- Offices of Certified Public Accountants in North Carolina
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- Offices of Certified Public Accountants in Ohio
- Offices of Certified Public Accountants in Washington
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Small samples move a lot: each loan in this combination is 1% of the count. Industry is the NAICS code the lender recorded. See the methodology.
Cite this data
SBA Acquisition Data, "Offices of Certified Public Accountants in Florida: SBA acquisition loan data", https://sbaacquisitiondata.com/state/fl/offices-of-certified-public-accountants-541211 (data as of September 30, 2026). Source: U.S. Small Business Administration 7(a) loan file, data.sba.gov. Aggregated by SBA Acquisition Data.
The figures on this page are also published as JSON at https://sbaacquisitiondata.com/data/state/fl/offices-of-certified-public-accountants-541211.json.