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Our business loans are designed for growth. Florida Bank provides a variety of lending options customized to our clients. Our large capital base and experienced team of professionals allow us to serve you with creative, flexible and efficient lending solutions. As a locally owned and independent bank, we are able to respond quickly to all of your needs. 

Lines of Credit

Financing to support growth in accounts receivable and inventory.

Term Loans

Financing to support acquisition of new equipment, and expansion of warehouse capacity.

Real Estate Loans

Finance the acquisition, construction or expansion of your business real estate. We will also provide financing for investment and/or income producing properties.

SBA Loans 

Florida Bank is committed to serving small business clients throughout its market footprint. We believe that small businesses are vital to our local markets and to the U.S. economy. As part of our commitment to small businesses, we have partnered with the U.S. Small Business Administration (“SBA”) to provide financing to meet the needs of our small business clients.

SBA loans typically offer longer terms and require lower down payments than conventional loans, which means our small business clients can more effectively manage cash flow.
Florida Bank offers two SBA loan programs: SBA 504 Certified Development Loan Program and SBA 7(a) Loan Guaranty Program.

SBA 504

This program may be used to finance the construction or acquisition of owner-occupied commercial real estate and/or long-term machinery and equipment (useful life of 10 years or longer). There are two mortgages in this program: a Florida Bank first mortgage typically at 50% of eligible project costs and a Certified Development Company (CDC) second mortgage typically at 30-40% of eligible project costs.

Projects can range in size from $300,000 to $10 million. Benefits include:

  • Lower down payment - as low as 10%
  • Longer terms - up to 25 years on commercial real estate and 10 years on machinery and equipment
  • Long-term fixed rate financing to match assets useful life 

SBA 7(a)

The 7(a) program is a versatile program that may be used for one or more of the following purposes:

 Purpose Loan Term*   

  • Construction, acquisition or refinance of owner-occupied commercial real estate   
  • Purchase and refinance machinery and equipment 
  • Business acquisition
  • Franchise start-up or expansion  
  • Debt refinance  
  • Provide long-term working capital          
  • Up to 25 years
  • Up to 15 years
  • Up to 10 years
  • Up to 10 years
  • Up to 25 years
  • Up to 10 years

 *Actual term is base on use of proceeds and may be blended if the loan is used for multiple purposes

  • Loans range from $150,000 to $5 million. Benefits include:
  • Lower down payment - as low as 10%
  • Longer terms - up to 25 years on commercial real estate and 15 years on machinery and equipment
  • Long-term financing to match assets useful life
  • No balloon payments

For more information on SBA Lending at Florida Bank, please contact your personal banker.