FL · State guide

Business loans in Florida

Florida businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 1 state program on file with published terms.

28 cities covered Checked 14 Sep 2026
Get funding in Florida See the shortlist

Where to start in Florida

No lender here publishes a state-by-state availability list naming FL, so this is the directory ranked by how much each one puts on the record. Absence from a list nobody publishes means nothing.

  1. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  2. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  3. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  4. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  5. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  6. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  7. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  8. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  9. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  10. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  11. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
  12. 78%

    Credibly

    $5K – $10M As fast as 4 hours after approval Credit from 550
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

Lenders that exclude Florida

A published no is worth as much as a published yes, and almost nobody shows it.

Biz2Credit

What Florida itself funds

Florida Job Growth Grant FundAdministered by FloridaCommerce; awards selected by the Governor. Public infrastructure projects and workforce training programs. "Proposals are reviewed by FloridaCommerce and are chosen by Governor DeSantis to meet the demands for workforce training or infrastructure needs in Florida communities." Published amounts: No per-award cap is published. "Since 2019, the Florida Job Growth Grant Fund has awarded more than $305 million and created more than 41,000 new jobs." A February 2026 award round totaled over $8 million across three recipients; a separate 2026 announcement made more than $74 million available. Eligibility as published: Proposals are submitted by state agencies, local governments and their partners, not by individual small businesses. Businesses benefit indirectly through infrastructure and trained workers.

Programs whose current status is not stated

These are published on official pages that say nothing about whether applications are open. We have not assumed either way — confirm with the administrator before you plan around one.

Florida Capital Access ProgramSSBCI-funded loan loss reserve providing "pooled loan insurance to lenders" so they can extend credit to small businesses that would not otherwise qualify. Published amounts: SSBCI allocation $8.5M (program-level, not a per-business cap). Per-loan amounts, rates and terms are not available - see status_note.
Florida Small Business Loan Program - Collateral Support ProgramSSBCI-funded cash collateral pledged to a lender to close a borrower's collateral shortfall. Published amounts: SSBCI allocation $34.8M (program-level, not a per-business cap). Per-loan amounts, rates and terms not available - see status_note.
Florida Small Business Loan Program - Loan Guarantee ProgramSSBCI-funded temporary, partial guarantees to private lenders on eligible small business loans or lines of credit. Published amounts: SSBCI allocation $50.0M (program-level, not a per-business cap). Guarantee percentages, per-loan caps, rates and terms not available - see status_note.
Florida Small Business Loan Program - Loan Participation ProgramSSBCI funds are combined with private lender funding to support loans to Florida borrowers. This is Florida's largest SSBCI program by allocation. Published amounts: SSBCI allocation $265.2M (program-level, not a per-business cap). Per-loan amounts, rates and terms not available - see status_note.
Florida Venture Capital ProgramSSBCI-funded equity investment in Florida small businesses through partner investment managers. Published amounts: SSBCI allocation $130.0M (program-level, not a per-business cap). Per-investment sizes and terms not available - see status_note.
Microfinance Guarantee ProgramCreated under the Florida Microfinance Act to provide targeted guarantees to lenders making loans to entrepreneurs and small businesses.
Black Business Loan ProgramStatutorily created program providing loans, loan guarantees and investments to Black business enterprises through certified loan administrators.

Federal money behind these programs

Florida was allocated $488.5M under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

MAJOR SOURCING LIMITATION: FloridaCommerce's website (floridajobs.org, with and without www, across multiple paths) returns HTTP 403 to every request from this environment, so no Florida state program page could be read directly. Consequently five of Florida's SSBCI programs plus the Microfinance Guarantee Program and Black Business Loan Program carry appears_active null and mostly null amounts. Their program names and allocations come from U.S. Treasury's SSBCI Capital Program Summaries, which is authoritative for names and dollar figures but says nothing about whether applications are open. Corroborating evidence that Florida's SSBCI 2.0 is operating: FloridaCommerce and the Florida Opportunity Fund announced in May 2026 that they had passed $250 million in approved loans and investments, and Florida received a second tranche of $167 million. Treasury's per-program breakdown: Florida Capital Access Program $8.5M, Collateral Support $34.8M, Loan Guarantee $50.0M, Loan Participation $265.2M, Venture Capital $130.0M, totaling $488.5M. Enterprise Florida, Inc. was dissolved and its functions folded into FloridaCommerce in 2023, which is why the Microfinance Guarantee Program's status is genuinely uncertain rather than merely unchecked. Cities threshold is 20,000+ (2020 census), giving 110 municipalities - deliberately lower than 25,000 per the brief's request for more Florida coverage. The Wikipedia municipality table is roughly 410 rows and could not be read in one pass: an initial filtered fetch silently dropped most of the C and D entries, and letter-range passes dropped Tallahassee (196,169) and the first seven N entries including New Smyrna Beach (30,142). The final list was assembled from nine per-letter full transcriptions with two targeted re-fetches. Note that several of Florida's largest population centers are census-designated places without municipal government (The Villages, Brandon, Riverview, Spring Hill, Town 'n' Country, Kendall, Lehigh Acres) and are correctly absent from an incorporated-places list.

Headquartered in Florida

Where a lender is based says nothing about where it lends. It is here because businesses ask.

1st Alliance GroupAlternative Funding GroupAmerifi CapitalBHB FundingBHG FinancialBitty AdvanceBiz Capital MiamiBizcap USBlade FundingCapitaWizeFortress Funding GroupFox Business FundingHighland Hill CapitalLegend FundingLiquidibeeMNR Capital GroupSmart Step FundingSplash Advance

Cities in Florida

Cape CoralClearwaterClermontCoral SpringsDavieDeltonaFort LauderdaleGainesvilleHialeahHollywoodJacksonvilleKissimmeeLakelandMiamiMiami GardensMiramarNorth PortOrlandoPalm BayPalm CoastPembroke PinesPompano BeachPort St. LucieSanfordSt. PetersburgTallahasseeTampaWest Palm Beach

More for Florida

Question and answerDo I get a disclosure sheet before I sign business financing? In eleven states, yes, though what is on it and when it arrives varies a great deal. Everywhere else you get whatever you insist on. Question and answerDoes my business funding broker need to be registered or licensed? In five states, yes, and you can check. In several others they cannot charge you a fee before anything funds. Question and answerDoes my state cap the interest rate on a business loan? There is usually a cap in the statute book and usually an exemption that removes it before it reaches you. GuideFlorida's Commercial Financing Disclosure Law: six numbers, no APR, and rules for brokers Florida applies to transactions consummated on or after 1 January 2024, caps out at $500,000, and gives enforcement exclusively to the Attorney General. Question and answerIs a merchant cash advance legal in my state? No state has banned the product. What differs between states is how much a funder has to tell you first and whether anyone has to be registered. GuideIs your funding broker registered anywhere? A state-by-state answer Five states put commercial financing brokers on a register or licence. Several more restrict what a broker can charge you before anything funds.

Business funding in Florida — common questions

Can I get business funding in Florida?

Yes. 12 funders in this directory serve businesses in Florida, and 0 of them name Florida explicitly in their published availability rather than being included by default.

Does Florida require lenders to disclose the cost of business financing?

Florida's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Florida?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Florida?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Florida?

Through Florida's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Florida?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Florida change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.