At low rates and longer repayment terms, get business financing that won’t slow you down
SBA Loans
Get the capital your Florida business needs with low rates, longer terms, and a streamlined application process. We make SBA 7(a) loans simple.
SBA 7(a) Loans Are Florida's Smart Choice
Why SBA 7(a) Loans Are Florida's Smart Choice for Business Growth
Since SBA 7(a) loans are backed by the Small Business Administration (SBA), lenders like us can offer significantly lower interest rates and longer repayment terms compared to traditional business financing options. This means more cash flow for your business, empowering you to invest, expand, and innovate.
Competitive Interest Rates: "Benefit from market-leading rates, making your financing more affordable over the life of the loan."
Competitive Interest Rates: "Benefit from market-leading rates, making your financing more affordable over the life of the loan."
Loan Amounts Up to $5 Million: "Access substantial capital to achieve your biggest business goals, whether it's a major acquisition or significant expansion." (Directly from the image: Max loan $5M).
Flexible Uses: "Unlike rigid loan programs, SBA 7(a) loans offer incredible versatility. Fund working capital, purchase real estate, acquire equipment, refinance existing debt, or even buy a business."
Government Backing: "The SBA guarantee gives lenders the confidence to offer more favorable terms to Florida businesses like yours."
Flexible Uses for SBA 7(a) Loans
Struggling with this outcome?
SBA 7(a) loans are incredibly flexible, designed to support a wide array of business needs. Here are just some ways Florida businesses leverage this powerful funding
Working Capital: Keep your operations running smoothly.
Business Acquisition: Buy an existing business or franchise.
Real Estate Purchase / Construction: Acquire or build commercial property (up to 25-year terms).
Equipment Purchase: Finance new or used machinery and vehicles.
Debt Refinancing: Consolidate high-interest business debt into a single, affordable loan.
Start-up Costs: Get the capital you need to launch your new venture.
Inventory & Marketing: Fund expansion, stock up, and reach new customers.
Partner Buyout: Facilitate changes in business ownership.
Eligibility & Requirements for SBA Loans
Qualify for Your SBA 7(a) Loan: Simple Requirements for Florida Businesses
While SBA 7(a) loans offer incredible advantages, there are some basic criteria your business needs to meet. We simplify the process to help you understand your eligibility and navigate the application with ease.
For-Profit Business
Meet SBA Size Standard
Creditworthiness
Unable to Obtain Credit Elsewhere
Time in Business (we can discuss options)
Minimum Borrower Equity: Typically 10%
Located in the U.S
Key Eligibility Points
Affordable Business Financing
Since 7(a) loans are backed by the Small Business Administration (SBA), lenders can offer lower interest rates and longer repayment terms compared to other business financing options. With reduced monthly interest payments on an SBA 7(a) loan, you can free up cash flow to effectively manage and grow your business.
SAB Loans Easy Access & Approval
From Application to Approval: Get Your SBA Loan Faster
At Commercial Loans Florida, we understand that time is money. That's why we've streamlined our SBA loan application process to be as fast, efficient, and hassle-free as possible. Our goal is to get you funded quickly so you can focus on what you do best – running your business.
Quick Pre-Qualification
Step 1
Start with our instant soft-pull pre-qualification. No impact on your credit, just a fast assessment of your eligibility.
Dedicated Specialist Consultation
Step 2
Speak with one of our experienced SBA loan specialists. They'll listen to your needs, answer your questions, and guide you on the best path forward.
Simplified Application
Step 3
Complete our easy-to-use online application. We'll help you gather the necessary documents and ensure everything is perfect for submission.
Fast Approval & Funding
Step 4
Benefit from our efficient underwriting. Once approved, we work quickly to get the funds into your account, often faster than traditional lenders.
FAQs
Your Questions Answered: SBA Loan FAQs for Florida Businesses
What is the maximum SBA 7(a) loan amount?
$5 Million
What are the typical repayment terms for an SBA 7(a) loan?
Up to 25 years for real estate, up to 10 years for other uses.
Do I need collateral for an SBA 7(a) loan?
Yes, usually required, but the SBA loan guarantee may reduce the collateral burden compared to conventional loans, especially for smaller amounts.
How long does the SBA loan approval process take?
We streamline it for fast approval; pre-qualification in minutes, full approval varies but our process is efficient.
Can I use an SBA loan to start a new business in Florida?
Yes, with specific requirements and a solid business plan.
What is the minimum credit score required?
Generally 680+ FICO, but we consider the whole financial picture.
What are the fees associated with an SBA 7(a) loan?
Discuss typical fees like guarantee fees and closing costs.
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This website is intended to provide information regarding Business Purpose Loans, which are non-TRID (TILA-RESPA Integrated Disclosure) loan programs designed to support the financing needs of businesses. Business Purpose Loans are designed strictly for business, commercial, or investment purposes. These loans are not intended for personal, family, or household use. If you are seeking financing for personal use, we recommend you explore other loan options. Terms and eligibility for Business Purpose Loans may vary based on individual qualifications, loan type, and property use. Loans for business purposes may be secured by various types of properties, including residential, multi-family, commercial, or mixed-use properties, as long as the primary use of the loan is for business purposes. It is important to understand that, as part of the loan agreement, the collateral may be subject to foreclosure if the borrower defaults. The information provided on this website is for informational purposes only and does not constitute an offer to lend, a loan approval, or a guarantee of financing. All loan programs are subject to underwriting approval, and the terms, rates, and availability of loan programs may change without notice. We encourage all borrowers to seek professional legal, financial, or tax advice before entering into any loan agreement. Business Purpose Loans can have significant financial implications, and it is important to understand your obligations and rights fully before proceeding with any loan.