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Commercial Loans

Making money takes money.  Move your business forward with the funds you need. There’s no time to waste.


Bold and determined decision-making is an essential part of growing any business. Whether you need to increase your short-term capital, expand operations, acquire new equipment or machinery, or make improvements to your commercial property, we offer loan structures to fit your needs, including:


  • Lines of credit

  • Fixed-term loans of more than one year

  • Variable-term loans


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Commercial Mortgage Loans

Set up a new site for your business? We can help you open the door to this opportunity.


Our Commercial Mortgage Loans can be used to:


  • Acquire a new business location

  • Remodel an existing location

  • Expand an existing location

  • Refinance your current property

Types of properties that qualify include:


  • Individual commercial buildings or offices used by owners

  • Leased, residential, commercial, offices, or mixed-use buildings

  • Shopping malls

  • Commercial sites and office condominiums

  • Industrial properties and storage facilities

The main features of these types of loans include:


  • Short to long-term fixed loans

  • Ability to finance or re-finance up to 80%of new owner-occupied property value, or existing property value

Acceptable uses include:


  • Offices

  • Pharmacies

  • Markets

  • Buildings with more than four residential units


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Construction Loans

We offer flexible financing options because businesses need room to grow.


If your plan is to expand your current space, purchase and develop an existing property, or start a building from the ground up, we’re here to help you meet your goals.


Our specialists will work with you throughout the construction process to ensure the satisfying completion of every stage.



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Lines of Credit

Run lean, but never worry about running out of funds.


Financial flexibility is key in today’s competitive business environment. With a revolving line of credit, you can address instant financial needs and maintain a dependable supply of working capital…for whatever comes up next…


Consider these additional benefits that our Line of Credit offers:


  • Easier cash flow management

  • Competitive variable rates

  • Interest payments only on funds drawn

  • Improved day-to-day operations

Got big plans? Get the right financing solution to help you make them come true.



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SBA Loans

We can provide simple, hassle-free Commercial Loans that are guaranteed by the US Government (U.S. Small Business Administration).


FirstBank, in partnership with the U.S. Small Business Administration, performs the origination, processing, and servicing of SBA Loans under the Preferred Lender Program (PLP).


We are committed to serving small businesses by obtaining the financing you need to grow. We specialize in the basic and most popular SBA loan programs, which can be used for a variety of business purposes. With an SBA loan from FirstBank Florida, you will have access to the money you need.


The SBA–guaranteed loans we currently offer are:


7(a) Loans


Provides financing for a variety of business functions.


To qualify, your business must be for-profit and meet SBA size standards; show good standing, credit management, and financial maturity that is  based on your ability to repay.


Use of proceeds include:


  • Expansion, renovation, and new construction

  • Purchase of land or building

  • Purchase equipment 2 & fixtures

  • Lease-hold improvements

  • Working capital2

  • Refinance debts for compelling reason

  • Inventory

  • Starting a business

Advantages include:


  • Maximum loan amount: Up to $5 million

  • 85% guarantee for loans up to $150,000

  • 75% guarantee for loans greater than $150,001

  • Loan term financing

  • Improved cash flow

  • No balloons

SBA Express


Designed to simplify, streamline, and expedite the application process for loans up to $350,000.

Use of proceeds include:


  • Working capital

  • Purchase of inventory, machinery, and equipment

  • Furniture and fixtures

  • Purchase of fixed assets

  • Financing of trading assets, among other business–related purposes

Advantages include:


  • Up to $350,000 with variable interest rates

  • Revolving option (up to 7 years) or as a fixed-term loan

  • SBA provides an up to 50% guarantee

  • Short-term and/or long-term financing available

  • Low documentation loans

  • Quick approvals and closings

  • Fast turnaround

  • Easy-to-use line of credit

504 Loans


The 504 Loan Program will help your small business purchase the assets needed to take it to the next level. It allows businesses to purchase owner-occupied commercial real estate and equipment, while retaining working capital.


Provides long-term financing of fixed assets, such as:


  • Commercial real estate

  • Equipment with a useful life exceeding 10 years

  • Other uses include construction and/or property improvements

Advantages include:


  • Up to $5 million loan

  • Low down payments, as low as 10% on multi-purpose properties

  • Full amortization and no balloons (CDC portion)

  • Low fixed and variable rates available

  • Quick approvals and closings


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Financial Education

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This information will help you better understand the process of refurbishing  your home, and the benefits you could receive.

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Keep your information safe from security threats on banking apps.


Financial Education

Learn to manage your products with FirstBank electronic services

Get to know the tools and services that Online Banking offer has for you.

All loans and lines of credit are subject to credit approval. Subject to the terms and conditions of FirstBank. FirstBank Florida is a division of FirstBank Puerto Rico.


1 SBA 504 financing is available for those who qualify, which provides 90% financing. Only in US territory.

2Generally, working capital, machinery and equipment may not exceed life of equipment 5-10 years. Real Estate is up to 25 years. Loans up to $350,000 have a 90% guarantee. Loans between $350,000 - $500,000 have a 75% guarantee.


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