States Served
Top Industries Financed
- Full-Service Restaurants
- Snack and Nonalcoholic Beverage Bars
- All Other Specialty Trade Contractors
- Gasoline Stations with Convenience Stores
- Child Day Care Services
Quick Summary
Cogent Bank is an SBA-approved lender headquartered in ORLANDO, Florida. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 168 SBA 7(a) loans totaling $201.5M, with an average loan size of $1.2M. They serve businesses across 14 states.
About Cogent Bank
Cogent Bank is an SBA-approved lender headquartered in ORLANDO, Florida. Since 2020, they have approved 168 SBA 7(a) loans totaling $201.5M, with an average loan size of $1.2M. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They serve businesses across 14 states.
Before you apply — know where you stand
Nav is the only place where you can track your FICO SBSS score — the score the SBA uses to determine loan eligibility.
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Frequently Asked Questions
Is Cogent Bank an SBA Preferred Lender?
Yes, Cogent Bank is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has Cogent Bank approved?
According to SBA FOIA public records, Cogent Bank has approved 168 SBA 7(a) loans totaling $201.5M since 2020. Their average loan size is $1.2M.
What states does Cogent Bank serve?
Cogent Bank serves businesses in 14 states: Alabama, Colorado, Florida, Georgia, Missouri, North Carolina, New Jersey, New York, Oklahoma, South Carolina, Tennessee, Texas, Virginia, VI.
How do I apply for an SBA loan with Cogent Bank?
To apply for an SBA 7(a) loan with Cogent Bank, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
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