$14B+ in SBA 504 projects approved since 1989
SBA 504 Loans Near You, Anywhere in Florida
Florida Business Development Corporation helps owner-occupied small businesses buy, build, and refinance commercial property with as little as 10% down. Find your city below and talk with a loan officer who works your market.
- As little as 10% down
- Fixed rates for up to 25 years
- Nonprofit CDC since 1989
- Loan officers in every region
A Local SBA 504 Lender for Florida Businesses
Search for an SBA lender near you and the results are mostly banks, brokers, and national lending sites. FBDC is a private, nonprofit Certified Development Company, and the SBA 504 program is the core of what we do.
Our Business Development Officers are assigned by region, from the Panhandle to Miami. They know the local lenders, the property types, and the questions that tend to come up in underwriting, so your project starts with someone who already understands your market.
After closing, our servicing team stays with your loan for its full term, with regional servicing agents handling annual documents, payoff requests, and any changes to your business.
Where We Lend in Florida
FBDC finances owner-occupied commercial real estate and long-life equipment for businesses across the state. Choose your city to see how SBA 504 financing works in your local market.
Tampa Bay and West Florida
Hillsborough, Pinellas, Pasco, and Polk counties
Central Florida
Orlando metro, Volusia County, the Space Coast, and Marion County
Southwest Florida
Sarasota, Lee, and Collier counties
Southeast Florida
Miami-Dade, Broward, Palm Beach, and the Treasure Coast
Northeast Florida
Duval, St. Johns, and Alachua counties
Northwest Florida and the Panhandle
Tallahassee to Pensacola
We don’t have a local page for that city yet, but FBDC lends throughout Florida. Call (813) 348-0660 and we’ll connect you with the loan officer for your region.
Don’t see your city? FBDC works with businesses statewide. Call (813) 348-0660
How to Get an SBA 504 Loan with FBDC
From the first conversation through the life of the loan, here is what to expect.
- 1
Meet with your regional loan officer
A Business Development Officer reviews your property or equipment project, confirms SBA 504 eligibility, and outlines a likely loan structure with you and your lender.
- 2
Underwriting and SBA approval
FBDC’s credit team gathers your documents, completes underwriting, and submits the loan for internal and SBA approval.
- 3
Closing, funding, and servicing
Your loan closes with the participating bank, the SBA portion funds, and FBDC’s servicing team supports you for the full term.
Not Buying Property Right Now?
FBDC also helps Florida businesses refinance existing debt, close smaller loans the SBA program doesn’t cover, and keep 504 projects on schedule.
SBA 504 Refinance
Refinance commercial real estate debt into a fixed rate for up to 25 years, with cash-out options for eligible expenses.
Learn moreDirect Lending
Loans from $50,000 to $400,000 for equipment, real estate, and down payment assistance on 504 projects.
Learn moreVetLoan Advantage Plus
Reduced SBA 504 fees for small businesses owned by veterans and their spouses.
Learn more504 Velocity Bridge Loan
Bridge financing for banks and lenders that covers the 504 second lien until the SBA debenture funds.
Learn moreWhat an SBA 504 Loan Can Finance
A 504 loan is built for fixed assets your business will occupy and use for years, with the SBA portion fixed for 10, 20, or 25 years.
Buy a commercial building
Purchase an existing building your business will occupy, generally at least 51% of the space.
Learn moreBuy land and build
Finance land and new construction for a facility designed around your operations.
Learn moreRenovate or expand
Modernize, renovate, or improve the building you already own.
Learn moreMachinery and equipment
Heavy equipment and machinery with at least a 10-year useful life, on a 10-year fixed term.
Learn moreRefinance commercial debt
Move existing commercial real estate or equipment debt into long-term, fixed-rate financing.
Learn moreProject soft costs
Eligible soft costs tied to the project, and SBA fees, can be financed into the loan.
See the FAQQuestions About SBA 504 Loans Near You
Still have questions? A loan officer can walk through your project.
Tampa, FL 33607
Is there an SBA 504 lender near me in Florida?
Yes. FBDC is a Florida-based Certified Development Company headquartered in Tampa, with Business Development Officers assigned to regions across the state, from the Panhandle to Miami. Choose your city in the list above to see your local page, or call (813) 348-0660 to be connected with the loan officer for your area.
What areas of Florida does FBDC serve?
FBDC works with small businesses throughout Florida, including Tampa Bay, Central Florida, Southwest Florida, Southeast Florida, Northeast Florida, and the Panhandle. Local pages cover cities such as Tampa, Orlando, Miami, Jacksonville, Fort Myers, Tallahassee, and Pensacola. If your city is not listed, FBDC can still review your project.
How much do I need for a down payment on an SBA 504 loan?
Many projects require as little as 10% down. A typical structure is 50% from a bank or credit union, 40% from FBDC through an SBA-backed debenture, and 10% from the borrower. For smaller projects in underserved communities, FBDC’s Down Payment Assistance Program can help cover part of the down payment.
Who qualifies for an SBA 504 loan?
For-profit businesses operating in the U.S. with a tangible net worth of $20 million or less and average net profit after taxes of $6.5 million or less for the previous two years. For an existing building, the business generally needs to occupy at least 51% of the property. Passive real estate investors, nonprofits, lending institutions, and speculative businesses are not eligible.
Do I need to bank with a specific lender to get a 504 loan?
No single bank is required. FBDC partners with a wide network of banks and credit unions across the Southeast that fund the first mortgage portion of 504 projects. If you already have a banking relationship, your FBDC loan officer can work with that lender to structure the project.
How are SBA 504 interest rates set?
The FBDC and SBA portion carries a fixed rate for the life of the loan. Rates are set monthly based on the sale of government-guaranteed securities indexed to the 10-year Treasury, and your final rate is locked when your SBA loan funds. The bank portion is priced at market rates by the participating lender.
What can’t an SBA 504 loan be used for?
504 loans are for long-term fixed assets. They cannot be used for working capital, inventory, rolling stock, broker fees, or bank attorney fees.
Talk with an SBA 504 Loan Officer in Your Region
Tell us about your property or equipment project. We’ll review eligibility, outline a likely structure, and connect you with a participating lender if you need one.
Trusted By Lenders Across The Southeast
Client Successes That Speak Volumes
Connect & Speak to a Loan Officer Today
Let's connect and see how we can help you and your business grow today!
FBDC is a private, non-profit Certified Development Company established in 1989 to administer the Small Business Administration (SBA) 504 Loan Program. In addition to the 504 Loan Program, FBDC is active in the economic development in the community in which it serves.