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Small Business Loans in Florida

Small Business Loans in Florida

Known as the "Sunshine State," Florida boasts a vibrant economy and a high quality of life that attracts both businesses and residents. From the bustling cities of Miami and Orlando to the coastal charm of Jacksonville and Tampa, Florida is a hub for entrepreneurship and innovation. The state is also home to major professional sports teams like the Miami Dolphins (NFL), Orlando Magic (NBA), and Tampa Bay Lightning (NHL), which contribute to the state's dynamic economy. Whether you're in the tourism, healthcare, or agriculture industries, Florida offers a wealth of opportunities for small businesses.

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Types of florida Business Loans

Florida’s economy is driven by diverse industries such as tourism, healthcare, agriculture, aerospace, and technology. These sectors not only create jobs but also support the growth of small businesses across the state. Entrepreneurs in Florida can access various types of business loans to fund their ventures, from short-term capital needs to long-term investments.

Equipment Financing

Many small business owners hear about equipment financing and think of big excavators and tractors. Yes, construction equipment is financeable – but so is a lot of other equipment. Big or small, basic or complicated, we provide small business owners with a fast and effective means to finance any type of equipment that they may need.

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Unsecured Business Loans

Rates so low that you will forget that you’re repaying it! Unsecured business loans require zero collateral but do require personal guarantees. Traditional bank rate financing with much quicker turnaround times. Want to expand, purchase inventory, hire employees, or refinance existing debt without having to wait 30 days?

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Merchant Cash Advance

Leverage your future sales in exchange for a lump sum of capital, today! Merchant Cash Advance are great for small businesses that need fast access to capital for new growth opportunities with little documentation required.

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SBA Loan

SBA loans are business loans guaranteed by the Small Business Administration. With their multiple SBA small business funding programs, this government agency provides SBA loan guarantees of up to 85% of the loan amount provided through an SBA-approved lender—typically banks.

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Business Line of Credit

Lines revolve and refresh, so any payments on principal made get added back to the available balance of the credit line. Business Line of Credit offers flexibility, good rates, and lack of restrictions which make it a good solution for any type of business, regardless of its industry.

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Startup Funding

Discover founder-friendly startup funding strategies—SBA loans, 0% credit hacks, grants & fast equipment financing. Launch smart, grow faster.

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How to geta Business Loan in Florida

Applying for a business loan in Florida is quick and hassle-free. Whether you need funding to expand, manage cash flow, or invest in equipment, our streamlined process ensures fast approvals and flexible terms. With just a few steps, you can secure the capital your business needs to grow.

Apply in Minutes

Fill out our simple online application in just a few minutes. Provide basic business details, financial information, and the loan amount you need. No lengthy paperwork required.

Get a Quick Decision

Our system quickly reviews your application and lets you know if you qualify for one or multiple funding options. Choose the best funding option based on your business needs and repayment preferences.

4: Receive Your Funds

Once approved, sign your agreement and access your funds—Sometimes as fast as the same day. Use your financing to grow, manage cash flow, or invest in new opportunities.

Best Banks for Florida Business Loans

Choosing the right lender is crucial when seeking business loans in Florida. Below are three top SBA lenders in Florida that are known for their strong support of small businesses:

  • Wells Fargo

    Wells Fargo is one of the top SBA lenders in Florida, offering a range of SBA loan options, including 7(a) and 504 loans. With a deep understanding of the Florida business landscape, Wells Fargo provides small businesses with the resources they need to grow. Their team of SBA experts helps business owners navigate the application process, ensuring they secure the financing that best fits their needs.

  • BB&T (Truist)

    BB&T, now known as Truist, is another leading SBA lender in Florida. Truist offers SBA 7(a) loans and SBA 504 loans to help businesses access affordable capital. They focus on providing tailored financing solutions for small business owners in various industries, including healthcare, manufacturing, and retail. Truist's commitment to small businesses in Florida is reflected in its personalized service and competitive loan terms.

  • U.S. Bank

    U.S. Bank is a trusted SBA lender for small businesses in Florida. They offer SBA 7(a) loans and SBA 504 loans with competitive interest rates and flexible terms. U.S. Bank is dedicated to helping small businesses thrive in Florida's competitive market, providing expert guidance throughout the loan process. Their business banking team works closely with entrepreneurs to secure the funding they need for long-term growth.

I appreciate the communication and knowledge the AMP team shared with me. I got the funding I needed in time and was able to pick up a big project I really wanted!

Matthew L.

It is an excellent company, the process to get funded was very easy and fast, and the customer service was very good 👍  
 
 

Sebastián V.

Great customer service. Everyone was very friendly but still professional. They went the extra mile to help me get funding. They are awesome!  
 

Stephanie D.

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Florida Businesses We Serve

Florida Business loans F.A.Q

What are the best options for small business loans in Florida?

Small business owners in Florida can access a wide range of financing options, including SBA 7(a) loans, SBA 504 loans, microloans, and equipment financing. AMP Advance offers these national loan products with fast approvals and flexible terms, providing tailored funding solutions to help Florida business grow and succeed.

Minimum qualifications are the below:

  • 6 mo in business
  • $10,000 per month in revenue
  • US based business
  • US citizen or legal resident

AMP Advance is known for providing fast business loans in Florida. With a quick online application and same-day funding, AMP Advance ensures that business owners can access the capital they need without long waiting periods.

 Yes, AMP Advance offers flexible repayment terms for small business loans in Florida. They understand that each business is unique and provide customized repayment plans to match your cash flow and growth needs.

Yes, Florida offers several small business loan programs tailored to the state’s unique business climate. These include:

State Small Business Credit Initiative (SSBCI): Provides capital support to startups and underserved businesses through approved lenders.

Florida Microfinance Guarantee Program: Helps small businesses secure microloans up to $50,000 by reducing lender risk, ideal for companies with limited credit history.

Black Business Loan Program (BBLP): Offers loans from $5,000 to $150,000 to Black-owned businesses, along with technical assistance and advisory support.

Enterprise Florida Export Loan Programs: Designed for businesses involved in international trade, offering funding for equipment, inventory, and working capital.

Florida Development Finance Corporation (FDFC): Supports larger capital projects with tax-exempt bonds and alternative financing for expansion and infrastructure.

Local city/county programs: Cities like Miami-Dade, Orlando, and Tampa also offer local grant programs and revolving loan funds to support small businesses.

Looking to fund your startup in Florida? From credit card stacking to unsecured personal loans, we break down smart options that don’t require revenue or collateral. 

Check out our Startup Funding Guide

ready to grow your business?

Whether you need a small business loan or equipment financing, AMP Advance can say, "Yes!"

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