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 our DSCR loans hub.
All Florida Lenders
233 commercial lenders serving Florida.
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.
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.
Climate First Bank
SBASt. Petersburg, FL
Mission-driven community bank focused on sustainability and an SBA preferred lender. Offers SBA 7(a) loans, solar and clean energy financing, commercial real estate lending, and conventional business loans with a focus on environmentally beneficial projects.
SouthState Bank, National Association
SBAWINTER HAVEN, FL
Florida-based regional bank offering SBA 7(a) loans, commercial real estate, equipment financing, and business banking. One of the largest community-oriented banks in the Southeast, serving businesses across Florida, Georgia, and the Carolinas.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Janover
Boca Raton, FL
Commercial loan marketplace connecting borrowers with lenders. Multifamily and commercial property debt. Growing platform with competitive terms.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
Vaster
Miami, FL
Commercial bridge loan lender for CRE investors. Flexible short-term financing for acquisition, rehab, and construction.
Residential Mortgage Solutions
FL
Wholesale lender offering DSCR loans for investment properties. Provides non-QM solutions including bank statement, asset depletion, and investor programs.
Triad Financial Services
Jacksonville, FL
National lender offering DSCR programs for manufactured housing and traditional investment properties. Niche expertise in factory-built home financing for investors.
BankUnited, National Association
SBAMIAMI LAKES, FL
OptimumBank
SBAFORT LAUDERDALE, FL
Seacoast National Bank
SBASTUART, FL
Paradise Bank
SBABoca Raton, FL
Banesco USA
SBAMiami, FL
Cogent Bank
SBAORLANDO, FL
BayFirst National Bank
SBASaint Petersburg, FL
The Bank of Tampa
SBATAMPA, FL
First Federal Bank
SBALAKE CITY, FL
Sanibel Captiva Community Bank
SBASANIBEL, FL
iTHINK Financial CU
SBADELRAY BEACH, FL
Midflorida CU
SBALAKELAND, FL
Locality Bank
SBAFORT LAUDERDALE, FL
Gulf Coast Business Bank
SBAFORT MYERS, FL
Gulfside Bank
SBAP.O. Box 1824, FL
Suncoast CU
SBATAMPA, FL
One Florida Bank
SBAOrlando, FL
Pacific National Bank
SBAMIAMI, FL
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
- 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
- Bank Five Nine — OCONOMOWOC, WI
- Bank of America — Charlotte, NC
- Bank of America, National Association — Charlotte, NC
- Bank of Hope — LOS ANGELES, CA
- Bank OZK — LITTLE ROCK, AR
- Bankwell Bank — New Canaan, CT
- Barclays — New York, NY
- Berkadia — Ambler, PA
- Broadmark Realty Capital — Seattle, WA
- Brookline Bank, a Division of Beacon Bank and Trust — Brookline, MA
- Busey Bank — CHAMPAIGN, IL
- Byline Bank — CHICAGO, IL
- Cadence Bank — TUPELO, MS
- 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
- Celtic Bank Corporation — SALT LAKE CITY, UT
- Centennial Bank — CONWAY, AR
- Centerstone SBA Lending, Inc. — LOS ANGELES, CA
- CenTrust Bank, A Division of SmartBiz Bank National Associat — Northbrook, IL
- Change Lending
- CIBC Bank USA — CHICAGO, IL
- Citibank, N.A. — Sioux Falls, SD
- Citigroup — New York, NY
- Citizens Bank — ELIZABETHTON, TN
- Citizens Bank, National Association — PROVIDENCE, RI
- Civic Financial Services — Redondo Beach, CA
- Coastal States Bank — Hilton Head Island, SC
- Colony Bank — FITZGERALD, GA
- Comerica Bank — DALLAS, TX
- Commonwealth Business Bank — LOS ANGELES, CA
- Community Bank & Trust-West Georgia — LAGRANGE, GA
- 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
- 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
- Enterprise Bank & Trust — CLAYTON, MO
- Evolve Bank and Trust — WEST MEMPHIS, AR
- Farmers and Merchants Bank — LAKELAND, GA
- FFB Bank — FRESNO, CA
- Fifth Third Bank — CINCINNATI, OH
- Finance of America — Plano, TX
- Financial Center First CU — INDIANAPOLIS, IN
- FinWise Bank — SANDY, UT
- First American Bank — ARTESIA, NM
- First Bank of the Lake — Osage Beach, MO
- First Command Bank — FORT WORTH, TX
- First Commonwealth Bank — Indiana, PA
- First Horizon Bank — MEMPHIS, TN
- First Internet Bank of Indiana — FISHERS, IN
- 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
- GBank — LAS VEGAS, NV
- 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
- Hancock Whitney Bank — GULFPORT, MS
- Hanover Community Bank — Mineola, NY
- Harvest Small Business Finance, LLC — Laguna Hills, CA
- Heritage Bank Inc — Burlington, KY
- HomeTrust Bank — ASHEVILLE, NC
- HomeXpress Mortgage
- Hyperion Bank — Philadelphia, PA
- iBorrow
- IncredibleBank — WAUSAU, WI
- JLL Capital Markets — Chicago, IL
- JMAC Lending
- JPMorgan Chase — New York, NY
- JPMorgan Chase Bank, National Association — Columbus, OH
- 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
- Lendistry SBLC, LLC — Los Angeles, CA
- Lima One Capital — Greenville, SC
- Live Oak Banking Company — WILMINGTON, NC
- LoanCore Capital — Hartford, CT
- 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
- 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
- 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
- Paragon Bank — Memphis, TN
- Park Place Finance
- Pathward National Association — SIOUX FALLS, SD
- 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
- Port 51 Lending LLC — New York, NY
- Quontic Bank — New York, NY
- RCN Capital — South Windsor, CT
- Ready Capital — New York, NY
- Readycap Lending, LLC — BERKELEY HEIGHTS, NJ
- Regions Bank — BIRMINGHAM, AL
- Renasant Bank — TUPELO, MS
- Residential Capital Partners
- Roc Capital — New York, NY
- Rocket Mortgage — Detroit, MI
- Sabal Capital Partners — Pasadena, CA
- Servbank National Association — OSWEGO, IL
- Shoreham Bank — Warwick, RI
- 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
- TD Bank — Cherry Hill, NJ
- TD Bank, National Association — WILMINGTON, DE
- Temple View Capital
- The Bancorp Bank National Association — Sioux Falls, SD
- The Fidelity Bank — FUQUAY VARINA, NC
- The Huntington National Bank — COLUMBUS, OH
- Tidal Loans — Houston, TX
- TowneBank — PORTSMOUTH, VA
- Truist Bank — Charlotte, NC
- Truliant FCU — Winston-Salem, NC
- Truss Financial Group
- Trustmark Bank — JACKSON, MS
- U.S. Bank, National Association — Cincinnati, OH
- United Community Bank — Greenville, SC
- United FCU — SAINT JOSEPH, MI
- United Midwest Savings Bank National Association — DE GRAFF, OH
- US Bank — Minneapolis, MN
- US Metro Bank — GARDEN GROVE, CA
- UWM (United Wholesale Mortgage) — Pontiac, MI
- Valley National Bank — PASSAIC, NJ
- 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
- Wells Fargo Bank National Association — Sioux Falls, SD
- Zions Bank, A Division of — SALT LAKE CITY, UT
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.