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SBA Loans in Florida

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$8.2B+
SBA Loans Funded in FL
300+
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10%
Minimum Down Payment
90 sec
Pre-Qualification Time

SBA Financing for Florida Businesses

Florida is one of the top SBA lending states in the nation, with over $8 billion in SBA loan approvals annually. Whether you're acquiring a boutique hotel in Miami Beach, purchasing a medical office in Boca Raton, building a franchise in Tampa, or financing multi-family property in Jacksonville, FundMySBA connects you with lenders who specialize in your exact business type and location.

Our network includes over 300 SBA-approved lenders serving every Florida market — from the Keys to the Panhandle, from downtown Miami to the Gulf Coast. No state income tax means stronger cash flow projections and better debt service coverage ratios, giving Florida borrowers a built-in advantage.

What We Finance in Florida

Hotels & Hospitality

Boutique hotels, motels, resorts, and vacation properties. SBA 504 + 7(a) stacking up to $16.25M.

Commercial Real Estate

Office buildings, retail space, mixed-use, and owner-occupied commercial property. 10% down with SBA 504.

Medical & Dental Offices

Practice acquisitions, medical office buildings, equipment financing, and ambulatory surgery centers.

Multi-Family Properties

Apartment buildings, 5-50 unit properties, owner-occupied multi-family with SBA financing.

Franchise Operations

Franchise buildout, multi-unit expansion, equipment, and real estate for SBA-approved franchise brands.

Business Acquisitions

Buy an existing business with SBA 7(a). Covers goodwill, assets, real estate, and working capital.

Florida Markets We Serve

Miami Coral Gables Brickell Miami Beach Fort Lauderdale Boca Raton Palm Beach Naples Tampa St. Petersburg Orlando Jacksonville Sarasota Cape Coral Key West Doral Aventura Winter Park Wesley Chapel Delray Beach

View all 59 Florida market guides →

Frequently Asked Questions

What SBA loan programs are available in Florida?

Florida businesses can access SBA 7(a) loans up to $5M for working capital, equipment, and acquisitions; SBA 504 loans up to $5.5M for commercial real estate and heavy equipment with fixed rates and 10% down; SBA Express loans up to $500K with 36-hour approval; and SBA Microloans up to $50K for startups.

How fast can I get pre-qualified?

Pre-qualification through FundMySBA takes 90 seconds. Answer 4 simple questions about your business and funding needs, and we instantly match you with SBA-approved lenders in Florida. No credit check required for pre-qualification.

What industries qualify for SBA loans in Florida?

Most for-profit Florida businesses qualify, including hotels and hospitality, commercial real estate, medical and dental practices, franchise operations, multi-family properties, professional services, manufacturing, and retail. Some restrictions apply to certain industries.

Does Florida's lack of state income tax help with SBA loan approval?

Yes. Florida's zero state income tax means business owners keep more of their revenue, which directly improves the debt service coverage ratio (DSCR) that lenders use to evaluate loan applications. This gives Florida borrowers a meaningful advantage in SBA underwriting.

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