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Small Business Loans in Florida

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Florida Small Business Financing with Acorn Finance

If you are looking for small business financing in Florida, keep reading. We will explain how to get a small business loan in Florida, review programs offered by the state of Florida, and provide other valuable information. If you are a Florida small business owner that needs a business loan or financing, keep reading.

Acorn Finance has partnered with Fundation, powered by Quantum Lending Solutions, to offer small business owners fast, flexible, and responsible financing options designed to meet real-world needs, such as managing cash flow, expanding operations, or investing growth.

Small Business Financing in Florida

On average small businesses in Florida borrow about $78,784 of capital to help grow their business. Securing small business financing can turn daydreams into reality. Florida business owners can use financing to cover payroll, purchase equipment, financing inventory, open new locations, remodel, and more. In the state of Florida, business owners can receive state government small business financial aid mainly in the form of a small business tax credit. However, the state of Florida does offer some specialized financing options for small businesses. When it comes to borrowing large sums of money or revolving credit lines, small businesses can access plenty of options through banks, credit unions, and online lenders. A little later on we will help educate readers on specialized small business loan options you may want to consider.

With over 15 years of experience and more than 10,000 small businesses funded, Fundation offers tailored loan solutions with a fast digital application and dedicated support every step of the way.

Why apply for a business loan with Quantum and Acorn Finance?

Fast online application with minimal documentation

Competitive fixed rates and flexible terms

Personalized support from experienced loan specialist

No prepayment penalties

Options for both term loans and revolving lines of credit

Loan options available

Free-based Line of Credit

Up to $150,000
12 to 24-month repayment terms
Re-amortized after each draw
Monthly fee starting at 1.9%
3% commitment fee
Monthly payments

Perfect for managing ongoing business expenses with flexible access to funds when you need it.

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Term Loan

Up to $500,000
12 to 48-month repayment terms
Fixed rates starting at 16.99%
5% origination fee
Semi-monthly payments

Ideal for one-time investments (i.e. equipment, expansion, or strategic upgrades).

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Minimum eligibility criteria

Standards to qualify for business financing through Fundation, powered by Quantum Lending Solutions, include:
One year of business
$50,000 in annual revenue
660 FICO Score
Limited documentation required for loans under $150,000
Typically three months of bank statements

State restrictions: Not available in Nevada. Additional limitations for sole proprietors in MI, NE, NY, WV.

Prohibited: Motor Vehicle Dealers, Finance & Insurance, Non-Profits, Gambling, Tobacco, Firearms, and Marijuana Businesses.

High-Risk: Construction, Real Estate Rental & Leasing, Transportation & Warehousing, Retail Trade, Accommodation & Food Services.

Preferred: Breweries, Wineries & Distilleries, Accounting, Tax Prep, Bookkeeping & Payroll Services, Architectural, Engineering & Related Services, Healthcare Services & Social Assistance.

Small business financing in Florida is similar to many other states. If you use an online lender the process is almost identical no matter what state you operate in. However, the state of Florida does offer some specialized programs that assist small businesses that need financing. A little later on we will educate you on small business financing options specific to the state of Florida.

If you own a business in Florida, you can apply for business financing through a bank, credit union, or online lender. If you use one of these traditional options you will want to select a lender and submit an application. If you are seeking a traditional business loan you should apply through Acorn Finance. You can submit one application and receive multiple personalized loan offers within minutes. However, we strongly encourage Florida business owners to learn about programs offered by the state first. If you can qualify for any of the options, they can be a smart way to help your small business secure financing.

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See Also:

  1. Long-Term Business Loans
    Explore long-term business loans with flexible repayment terms designed to support sustainable growth.
  2. Business Acquisition Financing
    Learn how acquisition financing can help you buy an existing business and scale faster.
  3. Financing a Business Purchase
    Compare financing options for purchasing a business, whether you're buying out a partner or expanding.
  4. LLC Business Loans
    Get funding tailored for LLCs, including startup capital, equipment purchases, and working capital.
  5. Low-Interest Business Loans
    Access low-interest business loans and reduce borrowing costs while funding your company’s growth.
  6. Small Business Loans in Florida
    Find small business loan options specifically for Florida-based companies looking to expand.
  7. Business Equipment Financing
    Finance essential equipment for your business with competitive equipment loan options.
  8. Business Loans for Landscapers
    Tailored financing solutions for landscapers—covering tools, vehicles, and seasonal cash flow needs.
  9. Commercial Contractor Financing
    See how commercial contractors can secure financing for materials, labor, and job site needs.
  10. Concrete Contractor Financing
    Get loan options built for concrete contractors, from tools to large-scale project support.
  11. Construction Business Loans
    Construction companies can access funding for equipment, labor, and upfront project costs.
  12. Corporate Debt Financing
    Explore corporate debt financing strategies to manage liabilities and fuel large-scale growth.
  13. Equipment Financing
    Compare equipment financing options for heavy machinery, vehicles, and technology upgrades.
  14. Inventory Financing
    Inventory financing can help you stock up ahead of busy seasons without draining cash flow.
  15. Laundromat Financing
    Discover business loans for laundromats—ideal for equipment upgrades and new locations.
  16. Pet Store Financing
    Pet store owners can access loans for inventory, renovations, or business expansion plans.
  17. Short-Term Business Loans
    Need fast funding? Short-term business loans provide quick capital with flexible repayment terms.
  18. Startup Business Loans
    Get your startup off the ground with business loan options designed for new entrepreneurs.
  19. HVAC Business Financing
    HVAC business financing to help you purchase tools, trucks, and grow your service offerings.

Get the working capital your business needs

Whether you're launching a new product, expanding your team, or managing seasonal cash flow, Acorn Finance and Quantum make it easy to access small business funding that fits your goals.

Apply online today in minutes.
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*Applications are subject to credit approval. Rates and terms may vary based on your creditworthiness and are subject to change. Eligibility for the maximum funding amount is available only to applicants with the strongest credit profiles. Loans are made or arranged pursuant to California Financing Law-License No.603L340; NMLS ID:1587491.

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DISCLAIMER
Information on this site has been gathered from funding partner websites and publicly available sources. While we do our best to ensure this information is up to date and calculations are accurate, all information is presented without warranty. If you find information or calculations you believe to be in error, please contact us. Advertised rates and terms are subject to change without notice.

1 Rates as of 6/14/2024. Advertised rates and terms are subject to change without notice. Estimated interest rates, APRs, and other terms are not binding in any way. For illustrative purposes only, if you request $10,000, you could get a total loan of $10,000 with an 8.94% interest rate and $0 fees (note, if the lending partner charges an origination fee, it will increase the APR). You would receive $10,000 with 84 payments of $161. Your actual interest rate and APR will depend on factors like credit score, requested funding amount, and credit history. Only borrowers with excellent credit will qualify for the lowest rate. Offers represent lowest monthly payment for amount and term displayed. When evaluating offers, please review the funding partner’s terms and conditions for additional details. All loans and other financial products are subject to credit review and approval by our partners.

2 If approved, funding times may vary. We work with some lenders that do not have a requirement for a credit check and use income and/or employment to make decisions on eligibility for their financial products. Underwriting criteria is established by our partners, not Acorn Finance. Most of our lenders will do a soft pull, which does not impact your credit score; however, our funding partners will conduct a hard credit pull when you express interest in an offer, and this could impact your credit score.

3 By proceeding, a soft credit check will be performed. A hard credit check may occur if you choose to move forward, depending on the type of product selected. Offers may include income-based loans, loans for bad credit, personal loans, and other financial products from our network of partners.

The operator of this website is not a lender and does not make loans or credit decisions. This website does not constitute an offer or solicitation to lend or provide funding. This website will submit the information you provide to one or more funding partners. Providing your information on this website does not guarantee that you will be approved for a loan or other financial product. The operator of this website does not endorse or charge you for any service or product.

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The offers that appear on this site are from third party advertisers from which Acorn Finance receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). Acorn Finance strives to present a wide array of offers, but the offers shown do not represent all financial services companies or products that may be available to you. Furthermore, the offers shown may not represent all offers that our third-party advertisers have generated for you (to request a full list of such offers please send a request to support@acornfinance.com).