Empowering Florida Small Businesses with Flexible SBA Financing

The Most Flexible Financing for Florida Small Businesses

SBA 7(a) Loan Program

The SBA 7(a) is the flagship program designed for general business use. If you need to boost your cash flow, buy out a partner, or purchase inventory, this is the versatile solution Florida entrepreneurs rely on.

Best For: Working capital, business acquisitions, debt refinancing, and tenant improvements.
Loan Amount: Up to $5,000,000.
Terms: Up to 10 years for working capital/equipment; up to 25 years for real estate.
The Florida Edge: Whether you’re a hospitality group in Miami or a service provider in Tampa, the 7(a) offers longer repayment terms and lower monthly payments than traditional conventional loans.

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Grow Your Footprint with Only 10% Down

SBA 504 Loan Program

The SBA 504 program is a powerful economic development tool that provides Florida small businesses with long-term, fixed-rate financing for major fixed assets. This is the premier choice for owner-users who want to stop renting and start owning.

Loan Amount: Up to $13,000,000.
Best For: Buying land, purchasing existing buildings, or heavy machinery.
Loan Structure: * 50% from a Conventional Lender (Bank).
- 40% from a CDC (Certified Development Company).
- 10% Down Payment from the Business Owner.
Terms: 10, 20, or 25-year fully amortized fixed rates.
The Advantage: Preserve your capital. While most commercial loans require 20–30% down, the 504 program lets you keep your cash for operations.
The business must occupy at least 51% of the existing building. For new construction to permanent loans the business must occupy at least 60% of the property.
Equipment that is financed into the project must have a minimum 10-year remaining economic life.

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Flexible financing for borrowers who fall outside the SBA’s "Standard Box."

No SBA? No Problem. Meet Our Alternative Small Balance Program.

Not every great business fits the strict federal guidelines of an SBA loan. Whether it’s a unique property type or a specific financial profile, we believe you deserve access to competitive capital. Through our SBA Alternative Program, we provide small-balance commercial loans designed for speed and flexibility.

Loan Amounts from $ 250,000 up to $ 8,000,000
Higher Leverage: Up to 80% LTV (Loan-to-Value).
Flexible Terms: Typical 10-year loan term to provide stability.
Lower Payments: Amortization schedules up to 30 years to maximize your monthly cash flow.
Broad Eligibility: Most commercial real estate property types are considered—from retail and office to specialized industrial spaces.
Nationwide Reach: While we specialize in Florida, this program offers a wider footprint for your growing portfolio. Nationwide loan program with the exception of the following states: AL, LA, MA, ME, MS & OK.
Ineligible properties are : Gas Stations, Car Washes, Auto Dealerships, Night Clubs, Fitness Centers, Athletic Clubs, Special-Use Start-Ups, Hotels/Motels, Assisted Living Facilities, Churches and any environmentally sensitive properties.

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Flexible financing for borrowers who fall outside the SBA’s "Standard Box."

No SBA? No Problem. Meet Our Alternative Mid-Large Balance Program.

Our to-large balance loan program is designed to help businesses owners and investors refinance debt, purchase or improve an existing commercial building, complete a 1031 exchange, perform leveraged partner buy-outs and numerous other purposes.

Loan Amounts from $ 2,000,000 up to $ 50,000,000
A 1st Mortgage loan for up to 80% of the property value. We offers one the widest variety of first mortgage programs in the industry. We offer a 3yr fixed rate, 5yr fixed rate, 7yr fixed rate, 10yr fixed rate. These loans are amortized up to 30 years. We also offer a 15yr-30yr fully amortizing fixed rates.
A Borrower/Investor is required to contribute a down payment of at least 20% of the total project cost or retain 20% equity in the property for refinances.
Non-recourse financing with standard industry carve-outs.
Ineligible properties are: Gas Stations, Car Washes, Auto Dealerships, Night Clubs, Fitness Centers, Athletic Clubs, Churches and any environmentally sensitive properties.