EverBank National Association
EverBank National Association is an active SBA lender in Florida, a bank offering SBA-guaranteed small-business loans. Currently rated 2.4 stars across 42 Google reviews.
$137M
in SBA approvals since 2011
83
SBA loans funded
Wholesale & Distribution · Construction & Contractors · Transportation & Trucking
Top industries financed
Source: U.S. SBA 7(a) & 504 FOIA loan-approval records (FY2010–present).
About EverBank National Association
EverBank National Association offers comprehensive SBA loan programs tailored to meet the needs of small businesses seeking financial support for growth and development. With a focus on the 7A program, it provides flexible financing options for various industries, including healthcare, retail, and professional services. The bank is committed to helping entrepreneurs access capital through competitive terms and personalized service. Located in Jacksonville, FL, it serves clients across the region with a strong understanding of local market dynamics. Whether you're looking to expand your operations, purchase equipment, or manage working capital, EverBank provides solutions designed to support your business goals. Their experienced team guides borrowers through the application process, ensuring clarity and efficiency from start to finish. The bank's commitment to small business success is reflected in its tailored lending approaches and dedicated support staff. With a history of approving large loans, such as approvals up to $747,600, they are well-equipped to handle diverse financing needs. Overall, EverBank National Association stands out as a reliable partner for small business owners seeking SBA-backed funding options.
Industries EverBank National Association finances
Business types EverBank National Association actively lends to, from its SBA loan history. Tap one to see every lender serving it.
Common questions about EverBank National Association
What is this place and what can I find here?
This is a financial institution offering SBA loan programs and small business financing solutions. You can find information about loan options, application processes, and support services for entrepreneurs and small business owners.
Do I need an appointment or can I walk in?
It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins may be accommodated depending on availability. Contact the branch ahead of your visit for the best experience.
What are the hours of operation?
The branch operates from 9:00 AM to 5:00 PM, Monday through Friday. Hours may vary on holidays or special occasions, so it's best to call ahead.
Is there a fee to use this?
There are no fees for accessing general information; however, specific loan applications and services may involve processing or application fees, which will be disclosed during the consultation.
Who is this open to — anyone, or only residents/members?
The services are primarily available to small business owners and entrepreneurs across the United States, with a focus on regional support in Florida. Residency is not strictly required for loan eligibility.
What minimum personal credit score does this bank look for in a guarantor?
A minimum personal credit score of around 640 is typically required, though higher scores improve approval chances and loan terms.
How long does the traditional underwriting process take from start to close?
The underwriting process generally takes between 30 to 60 days, depending on the completeness of your application and the complexity of your financial situation.
Is this open on weekends?
Most banks keep weekday business hours and are closed on weekends, and EverBank National Association typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call EverBank National Association to confirm current weekend availability before you go.
How do I get there and where do I park?
EverBank National Association is located in Florida — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.
Who owns or operates this listing?
This page is an independent directory listing for EverBank National Association, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by EverBank National Association itself, which runs its own lending under its own ownership. If you work at EverBank National Association, you can claim this listing from this page to manage it.
How current is the information on this page?
The core details for EverBank National Association — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with EverBank National Association before applying. If you represent EverBank National Association, claim this listing to keep its information up to date.
How do I contact this listing directly?
You can reach EverBank National Association by phone at (888) 882-3837 or online at everbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with EverBank National Association before relying on them.
What core industries does this commercial bank traditionally choose to finance?
Based on its approved SBA loans, EverBank National Association most often finances businesses in medical practices & clinics, wholesale & distribution, and construction & contractors. This reflects EverBank National Association's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with EverBank National Association which sectors it actively lends to before you apply.
Can I apply for an SBA Express line of credit at this branch?
SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether EverBank National Association participates in SBA Express depends on its specific SBA lending authority. Contact EverBank National Association and ask if it offers SBA Express and what the current limits and terms look like for your situation.
Does this bank have Preferred Lender Provider status with the government?
SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. EverBank National Association can confirm its current PLP standing — ask before you apply if speed matters to you.
Are start-up companies eligible for financing at this traditional institution?
The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. EverBank National Association's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask EverBank National Association directly whether it considers start-up loans.
What are the typical down payment expectations for commercial real estate acquisitions?
For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask EverBank National Association what down payment it expects for your specific commercial real estate purchase.
Does this bank impose prepayment penalties on short-term working capital facilities?
SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask EverBank National Association to spell out any prepayment penalties before you sign.
Can I use loan proceeds from this bank to buy out an existing equity partner?
SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with EverBank National Association to confirm it qualifies and how to document it.
Will historical personal bankruptcies automatically disqualify my loan application here?
A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. EverBank National Association weighs this case by case under its own policy, so be upfront about your history and ask EverBank National Association how it evaluates prior bankruptcies.
