Funding Solutions

Capital for Every Stage
of Your Business

From working capital to equipment and expansion — we offer a full range of direct funding solutions built for Southwest Florida businesses.


What We Fund

Every product is designed to meet real-world business needs — flexible, direct, and structured around your success.

Most Popular

Working Capital Loans

Running a business in Southwest Florida means managing the rhythm of seasons, weather, and tourism cycles. Our working capital loans give you the liquidity to bridge gaps, seize opportunities, and keep operations humming — even during slow months.

  • Flexible amounts tailored to your business size and needs
  • Fast approvals — decisions typically within 24–48 hours
  • Use funds for payroll, inventory, marketing, or operations
  • Designed for seasonal Gulf Coast business cycles
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Equipment

Equipment Financing

Don't let outdated or insufficient equipment hold your business back. Our equipment financing solutions let you acquire what you need today while preserving working capital for daily operations. From marine equipment to commercial kitchen appliances — if it powers your business, we can fund it.

  • Finance new or pre-owned commercial equipment
  • Structured repayment aligned with equipment useful life
  • Preserve cash flow while growing capacity
  • Eligible for most industries in Southwest Florida
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Flexible

Revenue-Based Financing

Revenue-Based Financing ties your repayment directly to your business income — meaning when business is slower, your payments adjust accordingly. This is one of the most business-friendly funding structures available, and it's particularly well-suited to Gulf Coast businesses with variable revenue patterns.

  • Repayment scales with your actual revenue
  • No fixed monthly obligations — reduces stress during slow periods
  • Ideal for restaurants, tourism, hospitality, and retail
  • Transparent factor rates with no hidden fees
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Growth

Business Expansion Loans

Southwest Florida is growing rapidly. If you're ready to open a second location, renovate your space, or expand into a new market, our business expansion loans give you the capital foundation to move with confidence. We've helped Gulf Coast businesses scale from single-location operations to regional presences.

  • Fund new location openings or renovations
  • Larger capital amounts for established businesses
  • Structured repayment terms to match expansion timelines
  • Advisory support from local SWFL financial professionals
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On-Demand

Business Lines of Credit

A revolving business line of credit gives you access to funds whenever you need them — without reapplying each time. Draw what you need, repay, and draw again. It's the most flexible funding tool available, perfect for businesses that face unpredictable capital needs or want to move quickly on opportunities.

  • Revolving credit — draw, repay, and draw again
  • Pay interest only on what you use
  • Ideal for managing variable operating expenses
  • Available to qualified established businesses
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New Business

Startup & Small Business Funding

New businesses deserve real funding too. While traditional banks often turn away early-stage companies, we take a different approach. We evaluate your business plan, industry potential, and your own commitment — not just a years-in-business metric. Southwest Florida is a land of entrepreneurial opportunity, and we want to help you build your piece of it.

  • Funding available for businesses under 2 years old
  • We consider the full picture, not just credit history
  • Local advisory support through your launch phase
  • Scalable — grow your funding as your business grows
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Do I Qualify?

We work with a broad range of business types and situations. Here's a general overview — but the best way to know for sure is to contact us directly.

Typically Eligible
  • Florida-based businesses (all industries considered)
  • Businesses with 3+ months of operating history
  • Business owners with varied credit backgrounds
  • Seasonal businesses with irregular revenue patterns
  • Sole proprietors, LLCs, S-Corps, and C-Corps
  • Businesses seeking $5,000 to $500,000+ in funding
  • Businesses that have been declined elsewhere
What We Evaluate
  • Monthly revenue and business bank statements
  • Time in business and industry
  • Purpose and use of funds
  • Business owner's background and commitment
  • Overall business health (not just credit score)
  • Growth trajectory and market opportunity
  • Previous funding history (if any)

Find the Right Funding for Your Business

Contact us today and a local Southwest Florida advisor will help match you with the right funding solution.

Start Your Application