Florida Business Loans
Florida Business Loans, $10K to $100M
You found the deal. Now you need the money… fast. I am Kevin Kermeen, and I arrange Florida business loans for owners across the state, from a single reefer truck in Jacksonville to a multi-million dollar resort on the Gulf Coast. From miami business loans to deals in the Panhandle, I am a real business owner, not an ex-banker reading a script, and I move at the speed your deal actually needs.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
That is not a clever line, it is how banks actually behave. Florida has the fourth-largest economy in the country at roughly $1.7 trillion, big enough to rank among the top 15 economies in the world if it were its own nation, yet thousands of profitable Florida companies still get told to wait 60 to 90 days for a maybe. By then the property is gone, the equipment is sold, or the season has already passed. Florida business loans should move faster than that, and the ones I arrange do.
That is why I exist. I arrange Florida business loans funded with other people’s money, so your own capital stays free to grow. Whatever you are doing in this state… buying a building in Miami, financing a fleet out of Jacksonville, fitting out a restaurant before season in Orlando, or covering payroll while you wait on a tourism contract… there is a program built for it, and I move at the speed your deal needs.
Florida is home to about 3.5 million small businesses, which is 99.8 percent of every company in the state, and they employ roughly 3.8 million people. That is a lot of owners competing for the same contracts, the same buildings and the same skilled crews. The ones who win are usually the ones who can move on capital first. Florida business loans through me exist to make sure that owner is you, not the competitor down the road who happened to have cash on hand.
Florida Business Loans for the Industries That Run This State
Florida’s economy runs on tourism, trade, aerospace, agriculture and a building boom fed by relentless population growth, and every one of those engines runs on capital. Here are the industries I write the most Florida business loans for, with financing matched to how each one actually makes money.
Tourism is the heartbeat of Florida. The state drew a record 143.3 million visitors in 2025 and tourism delivered $133.6 billion in economic impact, supporting more than two million jobs. I finance hotels, resorts, restaurants and the FF and E, renovations and working capital they need to be ready before season, not after it.
Hotel and hospitality financing →The Space Coast hosted 109 orbital launches in 2025, a record, earning it the title Launch Capital of America. SpaceX, Blue Origin, ULA, Lockheed Martin and Boeing anchor Brevard County around Kennedy Space Center. I fund the suppliers, machine shops and facilities feeding that supply chain between milestone payments.
Manufacturing financing →PortMiami is called the Cargo Gateway of the Americas, while Port Everglades and JAXPORT move petroleum, containers and vehicles. Florida is the trade door to Latin America and the Caribbean. I arrange Florida business loans for the trucking, warehousing and distribution firms that keep freight moving through those ports.
Auto and transportation →With one of the largest and fastest-aging populations in the country, healthcare is a top Florida employer and it is growing. I write Florida business loans for practices, clinics, surgery centers, imaging equipment, assisted living and the medical real estate that providers across the state need to keep up with demand.
Healthcare financing →Florida gains residents faster than almost any other state, and that growth keeps contractors, developers and trades flat out. I finance the equipment, working capital and commercial real estate behind that building wave, from a single jobsite loader to ground-up construction from $150K to $100M.
Construction financing →Florida farms work 9.7 million acres across about 44,400 operations and supply roughly 17 percent of the nation’s citrus, plus sugarcane, winter vegetables, cattle and nursery products. I fund tractors, processing and refrigeration equipment, and the working capital that bridges seasonal cash flow.
Equipment financing →Florida Business Loans for Medical Cannabis Operators
Florida runs one of the largest medical cannabis markets in the country. Voters approved medical marijuana under Amendment 2 in 2016, and the program now serves roughly 930,000 active patients through hundreds of dispensary locations, regulated by the state’s Office of Medical Marijuana Use under a vertically integrated Medical Marijuana Treatment Center license structure. Recreational use is still illegal in Florida after the 2024 ballot measure fell short of the 60 percent it needed, so this is a medical-only market for licensed operators.
Here is the straight version most lenders will not give you. Cannabis is still illegal under federal law, which means SBA loans and traditional FDIC-insured bank financing are off the table for any plant-touching Florida business, no matter how profitable it is. That is exactly why specialized capital exists. I arrange financing for licensed Florida cannabis operators through private and cannabis-specific lenders covering real estate, build-outs, cultivation and dispensary equipment, and working capital. Underwriting is heavier and timelines run longer than a standard deal, so plan ahead rather than waiting until you are against a deadline.
See how I finance cannabis businesses →
Medical cannabis remains a Schedule I controlled substance under federal law. I arrange financing only for operators licensed and compliant under Florida law, through lenders that knowingly serve the cannabis industry. Confirm your obligations with the Office of Medical Marijuana Use: Florida OMMU →
Tell me what you are trying to do in Florida.
One conversation and I will tell you the fastest path to funding, straight. Florida business loans with no upfront fees,* and a real person who calls you back. Whatever the deal, there are Florida business loans built for it.
Every Program Behind My Florida Business Loans
My Florida business loans run on eight core programs, one direct line to me. Tap any program for full details, ranges and timelines.
Regulatory and Industry Framework
Good decisions start with real sources. Before you sign anything, these are the authorities worth reading on Florida business loans, SBA programs and the state economy behind them.
Federal Loan Programs
The U.S. Small Business Administration sets the rules, rates and guarantees behind SBA financing. Many Florida business loans I arrange use SBA 7(a) or 504 structures.
Aerospace and the Space Economy
Space Florida is the state’s aerospace economic development agency, tracking the launches, investment and projects driving the Space Coast and the suppliers behind it.
Agriculture and Food
The Florida Department of Agriculture and Consumer Services reports the citrus, sugarcane, cattle and produce numbers that anchor the rural economy and the equipment financing behind it.
Florida Business Loans, Statewide
I arrange Florida business loans in every corner of the state, not just the big metros. Distance is never the problem, because every file runs through me by phone.
Most of my Florida volume runs through Miami, the financial and trade capital of the Southeast and the gateway to Latin America. Orlando drives tourism and a fast-growing tech and simulation corridor, while Tampa and St. Petersburg anchor the Gulf Coast economy in finance, healthcare and logistics. Jacksonville is the state’s largest city by population and a major port and distribution hub, and Fort Lauderdale and West Palm Beach carry the marine industry, yachting and a deep base of professional services. I also actively fund owners across the Space Coast around Melbourne and Cape Canaveral, plus Fort Myers, Sarasota and Tallahassee. Wherever you are in Florida, the program and the speed are the same, and the Florida business loans I arrange close just as fast in a rural county as they do downtown.
How Florida Owners Put Their Business Loans to Work
Florida business loans are not one product, they are a toolbox, and matching the right Florida business loans to the job is most of what I do. The right tool depends on what you are trying to do this quarter, and below is how the four most common requests actually break down.
Florida SBA Loans
When an owner wants the longest terms and the lowest payment, florida sba loans are usually the answer. I arrange the full SBA silo, 7(a) for working capital and business acquisition, and 504 for owner-occupied real estate and heavy equipment. A Tampa practice buying its building or an Orlando operator acquiring a competitor leans on florida sba loans because the long amortization keeps monthly cash flow intact. The tradeoff is speed… SBA paperwork runs 45 to 60 days, so I tell owners to start the florida sba loans process well before they need to close, not the week of. Of all the Florida business loans I arrange, this is the one to plan furthest ahead.
Florida Commercial Loans
Real estate is the other half of my volume, and that is where florida commercial loans carry the weight. When a developer breaks ground riding the state’s population boom, or an investor buys a retail strip in Fort Lauderdale, I structure florida commercial loans from $150K to $100M with a term sheet usually in 3 to 5 days. Owners who need to move before permanent financing is ready use a bridge inside that same florida commercial loans toolkit to lock the property, then refinance once it stabilizes. This is the lane where speed beats a bank outright, and where Florida business loans through me regularly close while a bank is still ordering its appraisal.
Florida Small Business Loans
Not every deal is a building. Most days the request is simple working capital, and florida small business loans cover exactly that. A restaurant fitting out a kitchen before season, a trucking owner covering fuel and crews before invoices clear, a contractor bridging a slow-paying receivable… these are bread-and-butter florida small business loans that fund in 24 to 72 hours through working capital, equipment financing, lines of credit and invoice factoring. Because I structure florida small business loans around real revenue and not just a credit score, owners a bank turned down still get funded. These are the Florida business loans that keep the doors open and the lights on between bigger moves.
Miami Business Loans
Miami is the financial and trade capital of the Southeast and my single heaviest market, so miami business loans deserve their own note. Whether it is a hospitality group on Brickell, an import-export firm moving freight through PortMiami, or a short-term-rental investor in the country’s busiest STR market, miami business loans run the full range from $10K working capital to $100M commercial real estate. The competition for property and contracts in Miami is brutal, and the owner who lines up miami business loans first is usually the owner who wins the deal. More Florida business loans cross my desk from Miami than from anywhere else in the state.
The mistake I see most often is owners assuming a bank turndown means the deal is dead. It rarely does. A bank says no because the deal does not fit its one box, not because the business is bad. My job is to match that same deal to the one lender, out of more than 75, whose box it does fit. That is the entire difference between bank financing and Florida business loans arranged through an independent advisor, and it is usually the difference between closing and watching the opportunity walk. That is what Florida business loans through me are built to do, keep your money working while someone else’s funds the deal.
Why Borrow Through Me Instead of a Florida Bank
Florida business loans from a real owner, not a call center.
I am not an ex-banker. I have owned the businesses and the real estate brokerages, so I read your deal from your side of the table. When you call about Florida business loans, you get me… one person who answers the phone, knows your file, and has a lender network deep enough to fund $10K to $100M across all 50 states.
Banks make you fit their box. I find the program and the lender that fit you. I just signed a capital partner that takes my ceiling to $100M, so the size of the deal is rarely the problem. The speed is the difference, and it is why the right Florida business loans close in days with me instead of months. And I never text you, I call you, 7 days a week on Arizona Time.
If a bank has you waiting, stop waiting. Don’t Beg the Bank! Call me and I will tell you straight whether I can fund your deal and how fast. Florida business loans should not take 90 days, and with me they do not.
When the Bank Walked, I Closed
These were not Florida deals, but multi-family commercial real estate funds the same in Miami as it does in Dallas, and so do my Florida business loans. This is how I work when the clock is running.
$43M apartment complex, closed in 19 days
A $43 million multi-family acquisition in Dallas had a bank that walked. I brought in an institutional capital partner, restructured the deal and closed it in 19 days. The kind of speed most owners are told is impossible.
$4.2M apartment deal, bank quit 10 days out
A $4.2 million multi-family purchase was 10 days from closing when the borrower’s bank pulled the umbrella. He called me. I funded it in 24 days into a 20-year fixed, and it is now a performing asset in his portfolio.
How Fast Each Florida Program Funds
Speed is the whole point of using me instead of a bank. Here is what fast Florida business loans actually look like by program.
| Program | Loan Range | Speed to Funding |
|---|---|---|
| Working Capital and Line of Credit | From $10K | 24 to 72 hours |
| Equipment Financing | From $10K | 24 to 72 hours |
| Invoice Factoring | Receivables-based | Same week |
| Commercial Real Estate | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| Investment Property | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| SBA Loans | Up to $5.5M | 45 to 60 days |
Same-day approvals are common when the application reaches me before 9am Arizona Time.
Tell Me About Your Florida Deal
I personally review every application and call you back… never a text, never a call center.
… or …
Apply OnlineI never sell your information. There are no application fees and no broker fees out of pocket.* Same-day approvals are common when the application reaches me before 9am Arizona Time.
Florida Business Loans, Common Questions
How much can I borrow with Florida business loans?
From $10,000 for working capital, equipment and lines of credit, up to $100 million for commercial real estate and investment property. Typical small business financing runs $10K to $5M, while SBA programs reach $5.5 million and large commercial real estate or development deals go higher. All 50 states.
How fast can I get funded in Florida?
As fast as 24 to 72 hours for working capital, equipment and lines of credit. Commercial real estate gets a term sheet in 3 to 5 days and funds in 21 to 30. SBA loans fund in 45 to 60 days. Same-day approvals are common when the application reaches me before 9am Arizona Time.
What does it cost to work with you?
I charge you no fees. I am paid by the lender at closing, so my interest is in getting you funded, not in collecting from you. Some partner lenders may require a commitment fee or deposit when you accept a term sheet. That is the lender’s charge, not mine, and it is always disclosed before you commit.
What industries in Florida do you fund?
Tourism, hospitality and restaurants, aerospace and Space Coast suppliers, international trade, ports and logistics, healthcare and senior care, construction and real estate, agriculture and food, marine and boating, professional services and licensed medical cannabis operators. If your Florida business generates revenue, there is likely a program for it.
Do you offer SBA loans in Florida?
Yes. I arrange the full SBA silo, including 7(a), 504, Express, Startup, Microloans, CAPLines, Made in America and Export loans. SBA financing offers long terms and competitive rates, and it is often the smartest structure for buying property or an existing Florida business.
Do you finance cannabis businesses in Florida?
Yes, for licensed and compliant operators. Florida is a medical-only market under Amendment 2, serving roughly 930,000 patients. Because cannabis is still federally illegal, SBA loans and traditional bank financing are not available to plant-touching businesses, so I arrange real estate, equipment and working capital through private and cannabis-specific lenders. Underwriting is heavier and timelines are longer than a standard deal.
Can I qualify with less-than-perfect credit?
Often, yes. I structure deals around the real business, its revenue and its collateral, not just a credit score. Many of my Florida business loans go to owners a bank turned down. The way to know is one quick conversation.
Which Florida cities do you serve?
All of them. My heaviest volume runs through Miami, Orlando, Tampa and Jacksonville, but I actively fund owners in Fort Lauderdale, St. Petersburg, West Palm Beach, the Space Coast, Fort Myers, Sarasota, Tallahassee and rural counties statewide. Every file runs through me directly, so location is never an obstacle.
Do you fund commercial real estate in Florida?
Yes. I finance commercial real estate from $150,000 to $100 million across Florida, including office, retail, warehouse, industrial, multi-family and ground-up construction. Term sheets typically come in 3 to 5 days.
Are you a bank?
No. I am an independent nationwide commercial loan advisor with a network of more than 75 lenders. That is the advantage. A bank can only offer you its own product, while I shop your Florida business loans across many lenders to find the one that actually fits.
How do florida sba loans compare to florida commercial loans?
They solve different problems. Florida sba loans are government-backed, offer the longest terms and lowest payments, and suit buying a building, acquiring a business or long-term working capital, though they take 45 to 60 days. Florida commercial loans through my private and institutional lenders move far faster, with a term sheet in 3 to 5 days, and stretch from $150K to $100M for real estate, bridge and development deals. Many owners use florida sba loans for the permanent piece and florida commercial loans or a bridge to move quickly first. I will tell you which fits your deal in one call.
What credit score do I need for florida small business loans?
There is no single cutoff. I structure florida small business loans around the real business, its revenue and its collateral, so owners with thin or bruised credit still get funded when the cash flow supports it. Plenty of my florida small business loans go to applicants a bank already turned down. The fastest way to know is one short conversation, not a credit-pull guessing game.
Find your program. Don’t Beg the Bank!
I arrange Florida business loans from $10K to $100M, with a same-day callback from someone who has owned the businesses himself. Tell me what you are trying to do and I will tell you the fastest way to fund it. Don’t beg a bank that will keep you waiting… call me.
Business Loans by State
As each state page goes live it becomes a link. States shown as plain text are in the build queue.
*I charge no fees to the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet; that charge belongs to the lender, not to me, and is disclosed before you commit. Loan amounts, terms, rates and timelines vary by program, lender, creditworthiness and the property or collateral involved. Large-deal and $100M figures reflect maximum program capacity on qualified transactions and are not guarantees of approval. Funding timelines are typical estimates, not promises. Medical cannabis remains federally illegal as a Schedule I controlled substance; cannabis financing is arranged only for operators licensed under Florida law through lenders that knowingly serve the industry, and SBA and bank financing do not apply. All financing is subject to lender approval and underwriting. 75BizLoans.com arranges commercial financing and does not offer Fannie Mae, Freddie Mac, HUD or FHA products.