Business Lending That Makes Sense
Looking to take your business to the next level? Florida Capital Bank offers small business loans designed to support the needs of growing businesses across Florida. Whether you want to consolidate or refinance existing debt, improve cash flow, make a major purchase, or better manage your working capital, we have small business lending options to help you reach your goals.
Small Business Lending
Straightforward lending to help you manage operations, invest in growth, and move your business forward.
Equipment Loans
Our Equipment Loans can help you purchase equipment, vehicles, or make capital improvements.
Owner-Occupied Real Estate Loans
We can help with the purchase, refinancing , or the construction costs of a new facility through our Owner-Occupied Real Estate Loans.
Business Acquisition Loans
Our Business Acquisition Loans can be structured to provide cost-effective financing for purchasing an existing business or a family/partner buy-out of a business.
From startups to established companies, Florida small business owners rely on flexible financing solutions to keep operations running smoothly and support long-term growth. We believe in building long-term business partnerships, so you can count on us to be there as your business grows and your financing needs evolve.
Business Term Loans
If your business has financing needs for general business assets from $250,000 to $1,000,000, we can help. We offer 3- and 5-year variable- or fixed-interest term loans to help you expand your business or purchase long-term assets. With competitive rates and fast decisions, FLCBank is here to help your business grow.
We know every business is unique, which is why our "common sense underwriting" is designed to help you capitalize on the opportunities that make sense for your business. Our bankers are experts at finding the right financing solution for your business.
Frequently Asked Questions About Small Business Loans
Getting a small business loan in Florida typically begins with identifying how much funding you need and how you plan to use it. From there, a lender will review your business financials, credit history, and overall business plan to determine the best financing options. FLCBank offers several small business lending solutions designed to help Florida businesses secure the funding they need to grow, expand operations, or manage cash flow.
Qualification requirements for small business loans can vary depending on the type of loan. In general, FLCBank will review factors such as your time in business, revenue, credit history, and ability to repay the loan. Some loan programs may also consider collateral or the intended use of the funds when determining eligibility.
Credit score requirements for small business loans can vary by loan program. FLCBank will consider both personal and business credit history as part of the application process, along with financial statements and business performance. A stronger credit profile may help expand the range of loan products available to your business.
An Employer Identification Number (EIN) is commonly used when applying for business financing because it identifies your business entity. While an EIN is often part of the application process, additional factors such as business credit, financial history, and revenue are also important for a small business loan application.