Commercial Lenders in Florida
Browse 233 lenders serving Florida across DSCR, SBA, bridge, construction, hard money, and more.
Florida Lenders by Loan Type
DSCR Loans
7.0% - 9.5% · 20-25% downSBA 7(a) Loans
Prime + 1.5% to 3.75% · 10-20% downSBA 504 Loans
Below market (CDC portion ~5-6%) · 10% downBridge Loans
8% - 12% · 20-30% downConstruction Loans
7% - 10% · 20-35% downCommercial Mortgage
6% - 8% · 20-30% downHard Money Loans
9% - 12%+ · 10-25%+ cash in downCMBS Loans
5.5% - 8% · 25-35% downMezzanine Loans
6.75% - 11.97% · Often 10-25% sponsor equity downUSDA Business Loans
Fixed or variable, negotiated with lender · 10% existing business, 20% new business downNon-QM Loans
6.5% - 10% · 10-25% downBuying an investment property in Florida?
Florida is one of the first places investors run into DSCR edge cases like coastal insurance, condo rules, and short-term rental volatility. Before you pick a lender, read the DSCR loans guide, compare quotes on the rates page, and then browse DSCR lenders in Florida.
All Florida Lenders
233 commercial lenders serving Florida.
Live Oak Banking Company
SBAWILMINGTON, NC
One of the nation's top SBA 7(a) lenders, specializing in lending to small businesses across healthcare, veterinary, beverage, self-storage, and other industries. Offers SBA loans, USDA loans, conventional business loans, and commercial real estate financing.
The Huntington National Bank
SBACOLUMBUS, OH
Major regional bank and consistently one of the top SBA lenders in the country by number of loans. Offers SBA 7(a) and 504 loans alongside conventional business lending, commercial real estate, and treasury management services.
Newtek Bank, National Association
SBAMiami, FL
Technology-driven SBA preferred lender providing 7(a) loans to small and medium-sized businesses nationwide. Part of Newtek Business Services Corp, offering integrated business solutions including lending, payments, and technology services.
U.S. Bank, National Association
SBACincinnati, OH
Fifth-largest commercial bank in the U.S. and a top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, and a full suite of business banking products.
Celtic Bank Corporation
SBASALT LAKE CITY, UT
Industrial bank and top SBA preferred lender headquartered in Salt Lake City. Specializes in SBA 7(a) lending for business acquisitions, partner buyouts, commercial real estate, and working capital. Also offers USDA business loans.
Harvest Small Business Finance, LLC
SBALaguna Hills, CA
Non-bank SBA preferred lender specializing in SBA 7(a) loans for commercial real estate acquisition and refinancing. Focuses on owner-occupied commercial properties with loans up to $5 million.
US Metro Bank
SBAGARDEN GROVE, CA
Community bank serving Southern California's diverse business community. A top SBA 7(a) lender specializing in commercial real estate and business acquisition loans, with particular strength in the Korean-American business community.
Readycap Lending, LLC
SBABERKELEY HEIGHTS, NJ
Non-bank SBA preferred lender offering SBA 7(a) and 504 loans nationwide. Specializes in commercial real estate, business acquisition, and expansion financing for small businesses. Known for fast closings and flexible underwriting.
Bank of Hope
SBALOS ANGELES, CA
One of the largest Korean-American banks in the U.S. and a top SBA 7(a) lender. Offers commercial real estate loans, SBA lending, trade finance, and full-service commercial banking with branches across major metro areas.
GBank
SBALAS VEGAS, NV
Fast-growing community bank based in Las Vegas and a top SBA preferred lender. Specializes in SBA 7(a) loans for hospitality, gas stations, convenience stores, and commercial real estate acquisition.
Florida Business Development Corporation
SBATampa, FL
Certified Development Company (CDC) and top SBA 504 lender in Florida. Provides long-term, fixed-rate financing for major fixed assets like land, buildings, and equipment through the SBA 504 loan program.
Wells Fargo Bank National Association
SBASioux Falls, SD
One of the largest banks in the U.S. and a major SBA preferred lender. Offers the full range of SBA programs including 7(a) and 504 loans, alongside conventional commercial lending, commercial real estate, and equipment financing.
First Internet Bank of Indiana
SBAFISHERS, IN
Nation's first state-chartered, FDIC-insured internet bank and a top SBA preferred lender. Offers SBA 7(a) loans, conventional commercial lending, franchise financing, and healthcare practice loans nationwide.
First Bank of the Lake
SBAOsage Beach, MO
Community bank based at the Lake of the Ozarks and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions, commercial real estate, and partner buyouts. Known for lending to franchises and hospitality businesses.
United Midwest Savings Bank National Association
SBADE GRAFF, OH
Community bank and SBA preferred lender based in Ohio. Specializes in SBA 7(a) loans for small businesses, including business acquisitions, commercial real estate, and working capital financing.
Fifth Third Bank
SBACINCINNATI, OH
Major regional bank and SBA preferred lender with operations across the Midwest and Southeast. Offers SBA 7(a) and 504 loans, conventional commercial lending, equipment financing, and commercial real estate loans.
Byline Bank
SBACHICAGO, IL
Chicago-based bank and one of the top SBA 7(a) lenders in the Midwest. Provides SBA loans, commercial real estate financing, equipment loans, and government-guaranteed lending for small and mid-sized businesses.
Port 51 Lending LLC
SBANew York, NY
Non-bank SBA preferred lender specializing in high-value SBA 7(a) loans for commercial real estate and business acquisitions. Focuses on larger SBA transactions with an average deal size well above industry norms.
TD Bank, National Association
SBAWILMINGTON, DE
One of the 10 largest banks in the U.S. and a major SBA preferred lender. Offers SBA 7(a) and Express loans, conventional business lending, commercial real estate, and treasury management services across the eastern U.S.
Brookline Bank, a Division of Beacon Bank and Trust
SBABrookline, MA
Community bank in the Boston metro area and SBA preferred lender. Offers SBA 7(a) loans for business expansion, equipment, and commercial real estate, along with conventional commercial lending and treasury services.
Pathward National Association
SBASIOUX FALLS, SD
Technology-forward financial institution and SBA preferred lender. Specializes in SBA 7(a) loans, warehouse lending, and commercial finance solutions. Known for serving underbanked markets and fintech partnerships.
Enterprise Bank & Trust
SBACLAYTON, MO
Midwest-based bank and top SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate financing, and specialty lending for industries like healthcare and professional services.
Bank of America, National Association
SBACharlotte, NC
One of the largest banks in the world and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, equipment financing, and comprehensive treasury management.
Cadence Bank
SBATUPELO, MS
Regional bank serving the Southeast and Texas, and an active SBA preferred lender. Offers SBA 7(a) and 504 loans, commercial real estate lending, equipment financing, and full-service business banking.
JPMorgan Chase Bank, National Association
SBAColumbus, OH
The largest bank in the U.S. and an SBA preferred lender. Offers SBA 7(a) loans, conventional business lending, commercial real estate, lines of credit, and comprehensive financial services for businesses of all sizes.
Citizens Bank
SBAELIZABETHTON, TN
Regional bank based in Tennessee and an SBA preferred lender. Provides SBA 7(a) loans, conventional commercial lending, and business banking services to small and medium-sized businesses in the Southeast.
Commonwealth Business Bank
SBALOS ANGELES, CA
Community bank serving the Korean-American and diverse business communities in Southern California. A top SBA 7(a) lender specializing in commercial real estate, trade finance, and business acquisition loans.
CenTrust Bank, A Division of SmartBiz Bank National Associat
SBANorthbrook, IL
Technology-driven SBA lender operating through the SmartBiz platform. Offers streamlined SBA 7(a) loans with a fast online application process, serving small businesses nationwide with loans for working capital, debt refinancing, and commercial real estate.
Community Bank & Trust-West Georgia
SBALAGRANGE, GA
Community bank in West Georgia and a top SBA 7(a) preferred lender. Specializes in SBA lending for business acquisitions and commercial real estate with a focus on hospitality and franchise businesses.
Zions Bank, A Division of
SBASALT LAKE CITY, UT
Major Western U.S. bank and SBA preferred lender. Offers SBA 7(a) and 504 loans, conventional commercial lending, commercial real estate, equipment financing, and agricultural lending across the Mountain West.
Complete Florida Lender Directory
All 233 commercial lenders serving Florida, A–Z.
- 1st Financial Bank USA — DAKOTA DUNES, SD
- 22nd State Bank, A Division of 22nd State Banking Company — Mobile, AL
- A&D Mortgage — Fort Lauderdale, FL
- ACC Capital — Little Rock, AR
- Accion Opportunity Fund Community Development — San Jose, CA
- Acore Capital — New York, NY
- Acra Lending
- Aloha Capital
- American Momentum Bank — COLLEGE STATION, TX
- Ameris Bank — ATLANTA, GA
- Anchor Loans — Thousand Oaks, CA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Angel Oak Mortgage Solutions — Atlanta, GA
- Arbor Realty Trust — Uniondale, NY
- Arc Home
- Athas Capital Group
- Banc of California — Los Angeles, CA
- Banesco USA — Miami, FL
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank OZK — LITTLE ROCK, AR
- BankUnited, National Association — MIAMI LAKES, FL
- Bankwell Bank — New Canaan, CT
- Barclays — New York, NY
- BayFirst National Bank — Saint Petersburg, FL
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Busey Bank — CHAMPAIGN, IL
- CalPrivate Bank — LA JOLLA, CA
- Capital Bank, National Association — ROCKVILLE, MD
- Capital Community Bank — PROVO, UT
- Carrington Mortgage Services — Anaheim, CA
- CBRE Capital Markets — Dallas, TX
- CDC Small Business Finance Corp. — San Diego, CA
- Centennial Bank — CONWAY, AR
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- Change Lending
- CIBC Bank USA — CHICAGO, IL
- Citibank, N.A. — Sioux Falls, SD
- Citigroup — New York, NY
- Citizens Bank, National Association — PROVIDENCE, RI
- Civic Financial Services — Redondo Beach, CA
- Climate First Bank — St. Petersburg, FL
- Coastal States Bank — Hilton Head Island, SC
- Cogent Bank — ORLANDO, FL
- Colony Bank — FITZGERALD, GA
- Comerica Bank — DALLAS, TX
- Community Bank of Mississippi — Flowood, MS
- Constitution Lending
- CoreVest Finance — Irvine, CA
- CRF Small Business Loan Company, LLC — MINNEAPOLIS, MN
- Cross River Bank — Fort Lee, NJ
- CrossCountry Mortgage — Cleveland, OH
- Cushman & Wakefield — Chicago, IL
- Deephaven Mortgage — Charlotte, NC
- Defy Mortgage
- Deutsche Bank — New York, NY
- DFCU Financial — DEARBORN, MI
- Dream First Bank National Association — SYRACUSE, KS
- East West Bank — PASADENA, CA
- Easy Street Capital — Austin, TX
- Elevate Bank National Association — SEDAN, KS
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Farmers and Merchants Bank — LAKELAND, GA
- FFB Bank — FRESNO, CA
- Finance of America — Plano, TX
- Financial Center First CU — INDIANAPOLIS, IN
- FinWise Bank — SANDY, UT
- First American Bank — ARTESIA, NM
- First Command Bank — FORT WORTH, TX
- First Commonwealth Bank — Indiana, PA
- First Federal Bank — LAKE CITY, FL
- First Horizon Bank — MEMPHIS, TN
- First National Bank of America — East Lansing, MI
- First National Bank of Pennsylvania — GREENVILLE, PA
- First Resource Bank — LINO LAKES, MN
- First Savings Bank — Beresford, SD
- First Southern Bank — WAYCROSS, GA
- First Utah Bank — SALT LAKE CITY, UT
- First-Citizens Bank & Trust Company — RALEIGH, NC
- Firstrust Savings Bank — CONSHOHOCKEN, PA
- Flagstar Bank — Hicksville, NY
- Florida First Capital Finance Corporation, Inc. — Tallahassee, FL
- FWBank — Chicago, IL
- Georgia Banking Company — Atlanta, GA
- Goldman Sachs — New York, NY
- Grasshopper Bank National Association — New York, NY
- Greystone — New York, NY
- Griffin Funding
- Groundfloor — Atlanta, GA
- Growth Capital Corp. — Cleveland, OH
- GTE FCU d/b/a GTE Financial — TAMPA, FL
- Gulf Coast Bank and Trust Company — NEW ORLEANS, LA
- Gulf Coast Business Bank — FORT MYERS, FL
- Gulfside Bank — P.O. Box 1824, FL
- Hancock Whitney Bank — GULFPORT, MS
- Hanover Community Bank — Mineola, NY
- Heritage Bank Inc — Burlington, KY
- HomeTrust Bank — ASHEVILLE, NC
- HomeXpress Mortgage
- Hyperion Bank — Philadelphia, PA
- iBorrow
- IncredibleBank — WAUSAU, WI
- iTHINK Financial CU — DELRAY BEACH, FL
- Janover — Boca Raton, FL
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- KeyBank Real Estate Capital — Cleveland, OH
- Kiavi — San Francisco, CA
- Kind Lending — Santa Ana, CA
- Lake Forest Bank & Trust Company, National Association — LAKE FOREST, IL
- Lake Michigan CU — GRAND RAPIDS, MI
- Leader Bank, National Association — ARLINGTON, MA
- Lending One — Boca Raton, FL
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- LoanCore Capital — Hartford, CT
- Locality Bank — FORT LAUDERDALE, FL
- Lument — New York, NY
- Luxury Mortgage Corp — Stamford, CT
- Magnifi Financial CU — MELROSE, MN
- McCoy FCU — ORLANDO, FL
- Mechanics and Farmers Bank — Durham, NC
- Merchants & Marine Bank — PASCAGOULA, MS
- Merchants Bank of Indiana — CARMEL, IN
- Merchants Capital — Indianapolis, IN
- Mesa West Capital — Los Angeles, CA
- Midflorida CU — LAKELAND, FL
- Midwest BankCentre — SAINT LOUIS, MO
- Midwest Regional Bank — FESTUS, MO
- Milestone Bank — Salt Lake City, UT
- Morgan Stanley — New York, NY
- MortgageRight — Austin, TX
- National Institutes of Health FCU — ROCKVILLE, MD
- New American Funding — Tustin, CA
- New Silver Lending
- Newfi Wholesale — Emeryville, CA
- Newmark — New York, NY
- North American Savings Bank — Kansas City, MO
- North State Bank — RALEIGH, NC
- Northeast Bank — MINNEAPOLIS, MN
- Northmarq — Minneapolis, MN
- Northwest Bank — SPENCER, IA
- Oaktree Funding
- Oconee State Bank — WATKINSVILLE, GA
- Old Glory Bank — ELMORE CITY, OK
- One Florida Bank — Orlando, FL
- OptimumBank — FORT LAUDERDALE, FL
- Pacific National Bank — MIAMI, FL
- Paradise Bank — Boca Raton, FL
- Paragon Bank — Memphis, TN
- Park Place Finance
- Peoples Bank — BELLINGHAM, WA
- Pinnacle Bank — MORGAN HILL, CA
- Planet Home Lending — Meriden, CT
- PNC Bank, National Association — WILMINGTON, DE
- PNC Real Estate — Pittsburgh, PA
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Regions Bank — BIRMINGHAM, AL
- Renasant Bank — TUPELO, MS
- Residential Capital Partners
- Residential Mortgage Solutions
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Sanibel Captiva Community Bank — SANIBEL, FL
- Seacoast National Bank — STUART, FL
- Servbank National Association — OSWEGO, IL
- Shoreham Bank — Warwick, RI
- SouthState Bank, National Association — WINTER HAVEN, FL
- Sprout Mortgage — New York, NY
- Stbridge Capital — Los Angeles, CA
- Stearns Bank National Association — SAINT CLOUD, MN
- Stone Bank — MOUNTAIN VIEW, AR
- Summit State Bank — SANTA ROSA, CA
- Suncoast CU — TAMPA, FL
- TD Bank — Cherry Hill, NJ
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- The Bank of Tampa — TAMPA, FL
- The Fidelity Bank — FUQUAY VARINA, NC
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Triad Financial Services — Jacksonville, FL
- Truist Bank — Charlotte, NC
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- Trustmark Bank — JACKSON, MS
- United Community Bank — Greenville, SC
- United FCU — SAINT JOSEPH, MI
- US Bank — Minneapolis, MN
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Valley National Bank — PASSAIC, NJ
- Vaster — Miami, FL
- Velocity Mortgage Capital — Westlake Village, CA
- VelocitySBA, LLC — Irving, TX
- Verus Mortgage Capital — Washington, DC
- Visio Lending — Austin, TX
- Walker & Dunlop — Bethesda, MD
- Wells Fargo — San Francisco, CA
Commercial Lending in Florida
Florida's lack of state income tax, rapid population growth, and international gateway status make it one of the most dynamic CRE markets in the country. South Florida has become a major destination for financial firms and tech companies relocating from the Northeast.
Florida's judicial foreclosure process averages 12 to 18 months and requires court approval, which CRE lenders must account for in their risk modeling. The state's Save Our Homes cap limits homestead property assessment increases to 3% annually but does not apply to commercial properties, which are reassessed at full market value each year. Florida's exposure to hurricanes necessitates substantial wind and flood insurance costs that can significantly impact net operating income, particularly for coastal commercial properties.
Key Industries
Foreclosure Type
Judicial
Foreclosures go through the court system, which can take 6-18+ months.