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Small businesses and startups keep our economy fresh. We’ll help you make your mark with government-backed financing.

Key Features

  • Competitive Rates
  • Lower Down Payments
  • Extended Terms


  • Available for start-up businesses, as well as purchasing and refinancing existing businesses
  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Special financing for qualifying businesses
  • Competitive rates for a wide range of business needs:
    • Commercial real estate purchase
    • Construction
    • Business acquisition or expansion
    • Equipment/inventory purchase
    • Working capital
    • And more
  • A wide range of lending options available
  • Generally lower down payments and extended terms
  • Additional considerations taken when deciding maturity1
  • In-house processing for quick decision-making
  • Experienced lenders in Northeast Florida who understand your needs

1Loan maturities are based on the ability to repay, the purpose of the loan proceeds, and the useful life of the assets financed.


Also called the Certified Development Company (CDC) Program, SBA 504 loans are designed to provide long-term, below market, fixed rate financing for major fixed finances and real estate.

SBA 504 loans can be used for:

  • Construction of new facilities
  • Renovating or converting existing facilities
  • Purchasing land and improvements
  • Purchasing long-term machinery and equipment

The 504 Program CANNOT be used for working capital or inventory, consolidating or repaying debt, or refinancing.