Finance Solutions

FUND YOUR BUSINESS GOALS

Through our partnerships with the Florida First Capital Finance Corporation (FFCFC), we’re able to offer SBA 504 loans to small business owners who need a little extra funding to make their small business dreams come true.

Founded by the State of Florida and licensed by the Small Business Administration (SBA) as Florida’s Statewide Certified Development Company, FFCFC is chartered for the primary purpose of advancing the economic development and general welfare of the citizens of Florida by promoting and assisting the growth and development of small business concerns within the state.

Industrial Revenue Bonds

The Industrial Revenue Bonds (IRB) are tax-free, below-market-rate, long-term financing of fixed assets for qualified manufacturers and 501c3 non-profits. IRBs are issued by the Polk County Industrial Development Authority (IDA) on behalf of private companies to finance land, building and equipment. The funds may be used to purchase and renovate a facility, to buy property (no more than 25 percent) and construct a building and purchase equipment.  Bonds may also be used to pay for the installation of new equipment.  IRBs cannot be used for inventory or working capital. Bonds are issued from $1 million to $10 million. 

Florida Opportunity Fund

Sponsored by Enterprise Florida, the Florida Opportunity Fund creates direct investment programs that invest in high-quality venture capital funds, businesses and infrastructure projects. The Florida Opportunity Fund has three programs, outlined below. 

Fund of Funds Learn More
Clean Energy Investment ProgramLearn More
Florida Venture Capital ProgramLearn More

Small Business Administration 504 Loan Programs

Through our partnerships with the Florida First Capital Finance Corporation (FFCFC), we’re able to offer SBA 504 loans to small business owners who need a little extra funding to make their small business dreams come true. 

Founded by the State of Florida and licensed by the Small Business Administration (SBA) as Florida’s Statewide Certified Development Company, FFCFC is chartered for the primary purpose of advancing the economic development and general welfare of the citizens of Florida by promoting and assisting the growth and development of small business concerns within the state. 

504 Machinery & Equipment FinancingLearn More
504 Commercial Real Estate FinancingLearn More
504 Green Loan ProgramLearn More
504 Bridge Loan ProgramLearn More
Florida Industrial Recycling Loan ProgramLearn More

Owner Occupancy Requirements

  • Existing Buildings – Business must occupy at least 51% of the project within one year of ownership. 
  • New Construction – Business must occupy at least 60% of project upon occupancy and 80% within 10 years. 
  • The borrower may form a real estate holding company that leases 100% to the operating business, which then subleases surplus space (up to 49%) 

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