PPP loans in Bay County, Florida

Name: Bay County, Florida
Address: FL, US

Each amount is what the Small Business Administration approved, as SBA published it, and says nothing more about the borrower. SBA guaranteed 5,964 Paycheck Protection Program loans for businesses it recorded in Bay County, $379.4 million in all.

Bay County, as of September 30, 2024

$379.4 million
Approved: $379,358,767; 0.8% of the $50.1 billion approved in Florida.; 5,964
Loans: 4,405 first draws and 1,559 second draws.; 92.2%
Forgiven: 5,500 of 5,964 loans carry a forgiveness amount, $365.2 million in all.; 5.8%
Charged off: 347 of 5,964 loans, approved for $12.4 million. That is the loans' size, not what SBA lost.

The largest borrowers in Bay County · 2020–21

1 more column on a wider screen

The largest borrowers in Bay County, 2020–21
Rank	Name	USD	Loans
1	Ambient Air Corporation, Panama City	$3.4 million$3,378,700	1
2	Bay Point Trs, LLC, Panama City Beach	$3.2 million$3,194,310	1
3	Spell Restaurant Group LLC, Panama City Beach	$3.1 million$3,107,404	2
4	Tannehill International Industries Inc., Lynn Haven	$3.1 million$3,104,034	2
5	Life Management Center Of Northwest Florida, Inc, Panama City	$2.8 million$2,831,689	1
6	Pancare Of Florida, Inc, Panama City	$2.7 million$2,694,622	1
7	Edgewater Holdings Pcb Inc, Panama City Beach	$2.6 million$2,617,800	1
8	Gac Contractors, Inc, Panama City	$2.6 million$2,616,265	1
9	Dermatology Solutions Group, LLC, Panama City	$2.4 million$2,393,800	1
10	By The Sea Resorts Inc., Panama City	$2.3 million$2,342,310	1
11	Southern Cat Inc, Panama City	$2.2 million$2,203,112	2
12	System Service & Engineering, LLC, Lynn Haven	$2.1 million$2,127,005	1
13	Cox Building Corporation, Panama City Beach	$2.1 million$2,113,215	1
14	Hilton Inc, Panama City Beach	$2.0 million$2,000,000	1
15	Jbs Do It All Cleaning & Hospitality Services LLC, Panama City Beach	$2.0 million$1,962,500	1
16	Bookit.Com, Inc., P C Beach	$1.9 million$1,888,800	1
17	Jensen Usa, Inc, Panama City	$1.9 million$1,888,000	1
18	By The Sea Resort Inc., Panama City Beach	$1.8 million$1,753,587	1
19	Hundur Ltd, Panama City Beach	$1.7 million$1,688,355	2
20	Bill Cramer Chevrolet, Cadillac, Buick, Gmc, Inc, Panama City	$1.7 million$1,684,600	1
21	James Williamson, Seacrest	$1.6 million$1,637,029	1
22	Hilton, Inc, Panama City Beach	$1.6 million$1,620,410	1
23	Pineapple Willy's Inc., Panama City Beach	$1.6 million$1,608,175	1
24	Panhandle Automotive, Inc, Panama City	$1.6 million$1,591,737	1
25	Cox Building Corporation, Panama City Beach	$1.6 million$1,576,152	1
26	Panama City Automotive Group Inc, Panama City	$1.5 million$1,483,667	1
27	Ade Of Panama City Inc, Panama City	$1.4 million$1,441,844	1
28	Ade Of Panama City, Inc, Panama City	$1.4 million$1,389,920	1
29	Gulf Coast Utility Contractors LLC, Panama City	$1.4 million$1,368,613	1
30	Hull's Environmental Services, Inc., Panama City	$1.3 million$1,338,200	1
31	Hull's Environmental Services Inc, Panama City	$1.3 million$1,320,700	1
32	Gulf Coast Utility Contractors LLC, Panama City	$1.3 million$1,307,674	1
33	Reliable Business Management Services LLC, Panama City Beach	$1.3 million$1,281,197	1
34	Florida Therapy Services, Inc., Panama City	$1.2 million$1,201,000	1
35	Johnstone Foods, Inc., Panama City	$1.1 million$1,081,752	1
36	Bay Point Trs LLC, Panama City	$1.1 million$1,080,495	1
37	1 Opal Inc, Panama City Beach	$1.1 million$1,071,604	1
38	Entera Branding And Consulting LLC, Panama City	$1.0 million$1,048,965	1
39	Royal American Management, Inc., Panama City	$1.0 million$1,046,200	1
40	Entera Branding & Consulting LLC, Panama City	$1.0 million$1,045,930	1
41	Rv Connections Inc., Panama City	$946.4 thousand$946,403	1
42	Royal American Construction Company, Inc., Panama City	$923.5 thousand$923,500	1
43	Noble Public Adjusting Group LLC, Seacrest	$918.7 thousand$918,700	1
44	Aadvantage Relocation, Inc., Panama City	$903.6 thousand$903,600	1
45	Early Education And Care, Inc., Panama City	$903.1 thousand$903,100	1
46	Balu Holdings LLC, Panama City Beach	$873.6 thousand$873,600	1
47	First Service Corporation Of Panama City, Inc., Panama City	$863.5 thousand$863,500	1
48	T&P Enterprises Of Bay County Inc, Panama City Beach	$852.7 thousand$852,687	2
49	Always Reliable Management Services, Inc., Lynn Haven	$845.0 thousand$845,000	1
50	Panama City Corral LLC, Panama City	$833.6 thousand$833,574	2
51	Palm Bay Education Group, Inc., Panama City	$827.3 thousand$827,295	1
52	Econfina Cardiology Group, Pa, Panama City	$818.8 thousand$818,800	1
53	Jellyfish Health LLC, Panama City	$816.5 thousand$816,507	2
54	Gulf Coast Childrens Advocacy Center Inc, Panama City	$809.7 thousand$809,700	1
55	Miracle Strip Shipwreck Island Corporation, Panama City Beach	$807.0 thousand$806,950	1
56	Southern Orthopedic Specialist P A, Panama City	$803.0 thousand$803,045	1
57	E.F. San Juan, Incorporated, Youngstown	$791.6 thousand$791,600	1
58	Resort Hospitality Enterprises Ltd, Panama City	$785.9 thousand$785,886	1
59	Phoenix Construction Services, Inc., Lynn Haven	$773.2 thousand$773,248	1
60	Royal American Hospitality, Inc., Panama City	$747.5 thousand$747,500	1
61	Miracle Strip-Shipwreck Island Corporation, Panama City Beach	$739.3 thousand$739,308	1
62	Community Charter Academy, Inc., Panama City	$728.7 thousand$728,715	1
63	Ca Florida Holdings LLC, Panama City	$722.5 thousand$722,500	1
64	Eastern Industries Inc., Panama City	$719.9 thousand$719,923	1
65	Gulf Coast Panama Jack, Inc., Panama City Beach	$714.7 thousand$714,700	1
66	Chemical Addictions Recovery Effort, Inc., Panama City	$691.7 thousand$691,700	1
67	Apartment Advantage Group LLC, Panama City	$689.6 thousand$689,600	1
68	Grease Pro, Inc., Panama City	$682.5 thousand$682,470	1
69	Servpro Of Bay County, Panama City	$669.7 thousand$669,700	1
70	Bay Radiology Associates Pl, Panama City	$666.3 thousand$666,289	1
71	Greenearth Southeast, LLC, Panama City Beach	$664.1 thousand$664,115	1
72	Digestive Diseases Center Of Florida, PLLC, Panama City	$663.2 thousand$663,165	1
73	Hathaway Holding Company, Inc, Panama City	$659.2 thousand$659,180	1
74	Kenny Strange Electric And Service Company, Inc., Panama City	$658.6 thousand$658,562	1
75	Chemical Addictions Recovery Effort Inc., Panama City	$649.9 thousand$649,908	1
76	Kenny Strange Electric And Service, Panama City	$642.7 thousand$642,676	1
77	Jakville Inc., Panama City Beach	$639.1 thousand$639,057	2
78	Keeton Corrections, Inc., Panama City	$638.5 thousand$638,500	1
79	Professional Systems Associates, Inc, Panama City Beach	$637.7 thousand$637,746	1
80	Dj Enterprises Of Panama City Inc., Panama City	$637.3 thousand$637,280	1
81	Imcmv Panama City, LLC, Panama City Beach	$635.7 thousand$635,700	1
82	Hobbs Plumbing Inc., Panama City	$631.3 thousand$631,300	1
83	Gulf World Marine Park Inc, Panama City Beach	$610.9 thousand$610,928	1
84	Gulf World Marine Park Inc., Panama City Beach	$610.9 thousand$610,928	1
85	Coastal Parasail, Inc., Panama City	$607.1 thousand$607,110	1
86	Bri Sharky's LLC, Panama City Beach	$606.6 thousand$606,563	1
87	Hilton Sun Inc, Panama City Beach	$601.9 thousand$601,850	1
88	Anchorage Children's Home Of Bay County, Inc., Panama City	$596.6 thousand$596,630	1
89	1 Opal, Inc., Panama City	$591.1 thousand$591,149	1
90	Robotics Fabrication Inc., Panama City	$579.6 thousand$579,569	2
91	Meyers Electric, LLC, Panama City	$575.5 thousand$575,500	1
92	Patronis Brothers, Inc, Panama City	$572.7 thousand$572,700	1
93	The Grand Marlin Of Panama City Beach, LLC, Panama City	$569.8 thousand$569,800	1
94	814 Sand, Inc, Panama City	$564.6 thousand$564,636	1
95	Resort Hospitality Enterprises, Ltd., Panama City	$561.3 thousand$561,347	1
96	Marine Transportation Services, Inc., Panama City	$552.4 thousand$552,440	1
97	Emerald View Association Management, LLC, Panama City Beach	$547.3 thousand$547,253	1
98	Linea Peninsular Inc, Panama City	$546.5 thousand$546,500	1
99	Hathaway Holding Co., Panama City	$533.0 thousand$533,040	1
100	Debest Pizza, Inc., Panama City	$532.7 thousand$532,690	1

How the list is drawn

100 of the 5,643 borrowers ranked in Bay County are listed: every one ranked in the top 100, with ties. Borrowers approved the same amount share a rank, so the list can be longer than 100.
A borrower is ranked here when SBA recorded its first loan in Bay County. Its amount is summed over every loan it was approved, a first draw, a second or both, and is not what was forgiven or repaid, which each borrower’s page shows loan by loan.

Sources

SBA Paycheck Protection Program (PPP) FOIA — loan-level data — U.S. Small Business Administration · Public domain — U.S. Government work · retrieved September 25, 2026
Census Bureau county population estimates — U.S. Census Bureau · U.S. Government work · retrieved September 23, 2026

Data retrieved September 23, 2026

Bay County, as of September 30, 2024

The largest borrowers in Bay County · 2020–21

How the list is drawn

Related

Sources