| $350,000–1 million | A & A TRANSFER & STORAGE, INC. | FORT WALTON BEACH, FL | Regions Bank |
| $350,000–1 million | ADVANCED FIRE PROTECTION SERVICES INC | FORT WALTON BEACH, FL | ServisFirst Bank |
| $150,000–350,000 | AJ'S OYSTER SHANTY | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $150,000–350,000 | ALTERNATIVE LIVING, INC. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | ANCHORSGORDON, P.A. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | ANGLERS BEACHSIDE CAFE, INC. | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $350,000–1 million | ANYAR, INC. | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $150,000–350,000 | ARCON ELECTRIC INC. | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | ASAP AIR & REFRIGERATION LLC | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $350,000–1 million | B&C FIRE SAFETY, INC | FORT WALTON BEACH, FL | Truist Bank d/b/a Branch Banking & Trust Co |
| $150,000–350,000 | BARTLETT FAMILY AND COSMETIC DENTISTRY, PLLC | FORT WALTON BEACH, FL | Regions Bank |
| $350,000–1 million | BEACH RESORT INVESTMENT LLC | FORT WALTON BEACH, FL | Trustmark National Bank |
| $350,000–1 million | BEACHMARK INN, INC. | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $150,000–350,000 | BEARDEN ELECTRIC INC | FORT WALTON BEACH, FL | ServisFirst Bank |
| $350,000–1 million | BEYOND EXPECTATIONS INC. | FORT WALTON BEACH, FL | Beach Community Bank |
| $350,000–1 million | BIT WIZARDS INFORMATION TECHNOLOGY SERVICES INC. | FORT WALTON BEACH, FL | Synovus Bank |
| $350,000–1 million | BLACK-JACK, INC. | FORT WALTON BEACH, FL | BBVA USA |
| $350,000–1 million | BOYS & GIRLS CLUBS OF THE EMERALD COAST, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $350,000–1 million | BRIDGEWAY CENTER, INC | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | BROOKS & SHOREY RESORTS, INC | FORT WALTON BEACH, FL | BBVA USA |
| $350,000–1 million | BRYAN PEST CONTROL, INCORPORATED | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | BUCK HAWK OF FLORIDA, INC. | FORT WALTON BEACH, FL | Signature Bank |
| $150,000–350,000 | BUFFALO'S REEF INC | FORT WALTON BEACH, FL | ServisFirst Bank |
| $350,000–1 million | C. H. D PARTNERS, LLC | FORT WALTON BEACH, FL | Sabine State Bank & Trust Company |
| $150,000–350,000 | CALVARY INDEPENDENT BAPTIST CHURCH, INC. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | CASH'S CABANAS, INC. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | CDP STUCCO OF NW FLORIDA, INC. | FORT WALTON BEACH, FL | BancorpSouth Bank |
| $150,000–350,000 | CHILDREN IN CRISIS, INC. | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $150,000–350,000 | CHRIS GARICK, PA | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | CINCO BAPTIST CHURCH FORT WALTON | FORT WALTON BEACH, FL | Synovus Bank |
| $1–2 million | CITY PRODUCE OF FORT WALTON BEACH INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | COLE FACILITIES GROUP, LLC | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | CONSTANTINE CONSTRUCTORS, INC | FORT WALTON BEACH, FL | Synovus Bank |
| $350,000–1 million | CONSTANTINE ENGINEERING INC | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | CONSTRUCTION MATERIALS OF NORTHWEST FLORIDA, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | D. SHEFFIELD CONSTRUCTION, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | DAHER CONTRACTING INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | DECISION SCIENCES INCORPORATED | FORT WALTON BEACH, FL | Bank of America, National Association |
| $150,000–350,000 | DESTIN WEST RESORT MANAGEMENT INC | FORT WALTON BEACH, FL | The First, A National Banking Association |
| $150,000–350,000 | DOMO CAFE | FORT WALTON BEACH, FL | Wells Fargo Bank, National Association |
| $150,000–350,000 | DON'S BAYOU VETERINARY SERVICES, P.A. | FORT WALTON BEACH, FL | Live Oak Banking Company |
| $1–2 million | DYNAMIC PAIN & WELLNESS, PLLC | FORT WALTON BEACH, FL | Ameris Bank |
| $150,000–350,000 | EAGLE ENTERPRISES OF N.W. FLORIDA, INC. | FORT WALTON BEACH, FL | Live Oak Banking Company |
| $150,000–350,000 | EMERALD COAST ASSOCIATION OF REALTORS, INC | FORT WALTON BEACH, FL | Beach Community Bank |
| $150,000–350,000 | EMERALD COAST CLIPS LLC | FORT WALTON BEACH, FL | Beach Community Bank |
| $150,000–350,000 | EMERALD COAST COLLISION REPAIR, INC. | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | EMERALD COAST EYE INSTITUTE, LLC | FORT WALTON BEACH, FL | Trustmark National Bank |
| $150,000–350,000 | EMERALD COAST INFECTIOUS DISEASES MEDICAL GROUP, PA | FORT WALTON BEACH, FL | Regions Bank |
| $350,000–1 million | EMERALD COAST ONCOLOGY & HEMATOLOGY ASSOCIATES PA | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $350,000–1 million | EMERALD COAST PERSONAL CARE INC | FORT WALTON BEACH, FL | Prime Meridian Bank |
| $150,000–350,000 | FEDDON HOLDINGS LLC | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | FIRST BAPTIST CHURCH OF FORT WALTON BEACH, FLORIDA, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | FLOYDS SHRIMP HOUSE LLC | FORT WALTON BEACH, FL | Progress Bank and Trust |
| $1–2 million | FORT WALTON MACHINING INC | FORT WALTON BEACH, FL | Beach Community Bank |
| $150,000–350,000 | FT WALTON BEACH HOTEL GROUP INC | FORT WALTON BEACH, FL | ServisFirst Bank |
| $150,000–350,000 | FWGV, LLC | FORT WALTON BEACH, FL | City National Bank of Florida |
| $350,000–1 million | G S GELATO & DESSERTS INC | FORT WALTON BEACH, FL | Synovus Bank |
| $350,000–1 million | GARY SMITH FORD, INC | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | GATLIN LUMBER & SUPPLY COMPANY | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | GENERAL MASONRY OF NW FLORIDA | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | GLOBAL COATINGS INC | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | GLOBAL SUPPLY SOLUTIONS, LLC, DBA GSS GEAR | FORT WALTON BEACH, FL | South State Bank, National Association |
| $150,000–350,000 | GODDARD & SHELTON, INC. | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | GSC SYSTEMS INC | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | GULF COAST IMMEDIATE CARE CENTER, INC. | FORT WALTON BEACH, FL | FNBT Bank |
| $350,000–1 million | GULF EXHIBITION CORP | FORT WALTON BEACH, FL | Trustmark National Bank |
| $350,000–1 million | HAMPTON AUTOMOTIVE GROUP, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | HARRIS INSURANCE SERVICES | FORT WALTON BEACH, FL | Regions Bank |
| $2–5 million | HELP STEP ONE AUTOMOTIVE GROUP LLC | FORT WALTON BEACH, FL | Truist Bank d/b/a Branch Banking & Trust Co |
| $350,000–1 million | HENDERSON ELECTRIC OF NWF LLC | FORT WALTON BEACH, FL | First Bank and Trust |
| $1–2 million | HORIZONS OF OKALOOSA COUNTY, INC | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $350,000–1 million | INNERSPAICE ARCHITECTURAL INTERIORS LLC | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | INSTITUTE OF DIAGNOSTIC IMAGING, L.L.C. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | JOHN R BRENT MD PA | FORT WALTON BEACH, FL | Regions Bank |
| $150,000–350,000 | KC'S LLC | FORT WALTON BEACH, FL | Beach Community Bank |
| $350,000–1 million | KIDS DISCOVERY INTERNATIONAL | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | KIDZ CORNER-THE PEDIATRIC THERAPY SPOT, INC | FORT WALTON BEACH, FL | The First, A National Banking Association |
| $350,000–1 million | KITCHEN & BATH CENTER, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | KM CYCLE & MARINE, LLC | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $1–2 million | LEE AUTO HOLDINGS INC | FORT WALTON BEACH, FL | Truist Bank d/b/a Branch Banking & Trust Co |
| $150,000–350,000 | LINN'S PRESTIGE KITCHENS, INC. | FORT WALTON BEACH, FL | Community Bank of Mississippi |
| $350,000–1 million | LIZA JACKSON PREPARATORY SCHOOL, INC | FORT WALTON BEACH, FL | Beach Community Bank |
| $350,000–1 million | LORD & SON CONSTRUCTION, INC | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | MAGNA MANUFACTURING, INC. | FORT WALTON BEACH, FL | Trustmark National Bank |
| $350,000–1 million | MAGNOLIA MEDICAL CLINIC, P.A. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | MEAD LAW & TITLE PLLC | FORT WALTON BEACH, FL | SmartBank |
| $150,000–350,000 | MIRACLE STRIP BODY SHOP, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | MORNING STAR GC, LLC | FORT WALTON BEACH, FL | BancorpSouth Bank |
| $150,000–350,000 | NORTHWEST FLORIDA ENT, P.A. | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | NWF CONTRACTORS, INC. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | OLD BAY STEAMER INC | FORT WALTON BEACH, FL | BBVA USA |
| $150,000–350,000 | ON MEDS TOO LLC | FORT WALTON BEACH, FL | Wells Fargo Bank, National Association |
| $150,000–350,000 | ON-POINT TECHNOLOGIES LLC | FORT WALTON BEACH, FL | BBVA USA |
| $350,000–1 million | ORTHOPAEDIC ASSOCIATES, P.A. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | PANHANDLE ANIMAL WELFARE SOCIETY INC | FORT WALTON BEACH, FL | Synovus Bank |
| $150,000–350,000 | PLAYGROUND MUSIC CENTER, INC. | FORT WALTON BEACH, FL | Hancock Whitney Bank |
| $150,000–350,000 | PLAYGROUND SHELL INC | FORT WALTON BEACH, FL | Regions Bank |
| $150,000–350,000 | PRESTON HOOD CHEVROLET, INC. | FORT WALTON BEACH, FL | FNBT Bank |
| $150,000–350,000 | PRIORITY 1 HVAC AND FACILITY MAINTENANCE SOLUTIONS LLC | FORT WALTON BEACH, FL | ServisFirst Bank |
| $150,000–350,000 | PROPS CRAFT BREWERY, LLC | FORT WALTON BEACH, FL | Progress Bank and Trust |