Business loans in Florida
Florida is tourism, construction and trade. Restaurants, hotels, roofers and importers all deal with a busy winter season, hurricane risk and fast population growth.
No fee and no credit pull to start. Most applicants hear from us the same business day, often within minutes.
Where we work in Florida
- Jacksonville
- Miami
- Tampa
- Orlando
- St. Petersburg
- Fort Lauderdale
- Tallahassee
- Hialeah and Port St. Lucie, and everywhere else
Local economy
How Florida businesses earn
Florida's economy is built on tourism, construction, trade and a fast-growing population. Orlando's theme parks draw visitors from around the world, and beaches from the Panhandle to the Keys fill hotels and restaurants, with the peak season running through winter in South Florida. Miami is a gateway for trade and finance with Latin America. Space Coast launches support aerospace work around Cape Canaveral. Citrus groves, cattle ranches and winter vegetable farms remain important, and sugarcane is grown near Lake Okeechobee. Hurricane season shapes business for roofers, restoration crews and contractors. Boating and marine industries are widespread, and retirees drive steady demand for healthcare and home services.
After a storm, contractors often face a surge of work and a surge of costs before insurers and customers pay. A line of credit arranged in calm times is far easier to get than one requested in a rush.
What fits
Matching products to Florida industries
- Equipment financing for roofers, HVAC contractors and marine businesses.
- Working capital for restaurants and hospitality before the winter season.
- A line of credit for contractors waiting on draws and insurance payments.
Industries we hear from
- Roofing: Florida roofers often face surges of work after storms, with materials and crews due before insurance pays. A line of credit arranged ahead of season helps them respond.
- Hotels & motels: Hotels and motels from Orlando to the Keys renovate in the slower months. A term loan spreads renovation costs across busy winter and spring seasons.
- Pool builders: Pool builders across fast-growing suburbs buy equipment and materials before homeowner draws arrive. Equipment financing and a line of credit keep projects moving.
Public help
Free public help in Florida
- SBA North Florida District Office and SBA South Florida District Office: free help from the SBA's local staff.
- Florida SBDC at the University of West Florida: the lead center for Florida's SBDC network, offering no-cost consulting and help preparing to seek financing.
- Florida Division of Corporations (Sunbiz): the state office for business entity filings, where lenders often verify your registration status.
No affiliation implied.
Rules
Financing disclosures in Florida
Florida has the Florida Commercial Financing Disclosure Law (F.S. 559.961 and following), which requires providers (and in some cases brokers) to disclose cost terms on certain commercial financing offers. Read the official source. General information, not legal advice.
FAQ
Florida funding questions
We are a roofing contractor in Florida. How do insurance claims affect funding?
Lenders understand that storm work brings big jobs and slow insurance payments. A line of credit or working capital can cover materials and crews. Be ready to explain what share of revenue comes from claims and how long they take to pay.
My restaurant in Naples is busiest in winter. When should I seek funding?
Before the season begins, typically late summer or early fall, so the money is ready when snowbirds arrive. Lenders will review your latest three months of statements, and explaining your seasonal peak helps them read slower summer months.
I run a charter fishing business in the Keys. Can I finance a new boat?
Equipment financing can cover boats, engines and electronics. Funders will look at your bookings, deposits and experience. Some will consider used boats or private sales, so tell us what you plan to buy. Hurricane season and insurance costs for boats in the Keys may also come up, so be ready to explain coverage.
We build pools in Central Florida suburbs. Can funding help between homeowner payments?
Yes. A line of credit covers materials and crews between draws, and equipment financing handles excavators and trucks. Lenders review deposits and may ask about your backlog of signed contracts. Funders may also ask about permit timing in your county, since it affects when draws are released.
You apply once; we shortlist lenders; you compare and choose. Minimums across our network*: 1 year, $20,000 monthly deposits, 500 credit. How it works. *Not guaranteed.
See your options in Florida
Soft start: no documents and no hard pull.