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Introducing Florida Commercial Real Estate Financing
LBC Mortgage offers fast commercial hard money loans for all your Florida real estate ventures. We partner with investors and property owners to develop tailored financing packages across the commercial property spectrum. Our expert team brings decades of combined experience in the Florida market. We understand the unique challenges of commercial financing in rapidly developing regions.
Our approval process is streamlined to minimize delays and paperwork. With competitive rates that adapt to market fluctuations, we ensure optimal terms for your project. LBC Mortgage maintains strong relationships with diverse funding sources to maximize your options.
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Understanding Commercial Financing
Commercial real estate encompasses revenue-generating properties used for business operations, including office complexes, shopping centers, industrial facilities, and multi-unit residential buildings. Florida commercial loans are primarily utilized for acquiring or refinancing these business properties. Unlike residential loans, commercial financing considers the property's income potential as a primary factor. Loan terms typically range from 5-25 years depending on property type and business profile.
Florida's commercial market presents unique opportunities in tourism, retirement communities, and seasonal business sectors. Our underwriting process accounts for local economic factors that traditional lenders might overlook. Commercial hard money loans in Florida can be structured with various payment options to align with your business's cash flow patterns.
Florida Commercial Loan Offerings
Funding amounts depend on property valuation and applicant creditworthiness. Florida commercial hard money loans typically feature briefer durations than home mortgages and support various real estate business ventures. Our Florida portfolio includes specialized products for coastal and hurricane-zone properties with appropriate risk assessment models.
We've developed innovative financing structures that account for seasonal tourism fluctuations affecting commercial property performance. Our underwriting team maintains extensive knowledge of local zoning regulations across major Florida markets to expedite approvals. LBC Mortgage provides flexible down payment options ranging from 10-30% depending on property type and business history. We offer both fixed and variable rate structures with competitive terms designed specifically for Florida's unique real estate environment.
- Multi-family housing complexes
- Industrial storage facilities
- Business purchases including property assets
- SBA 7(a) and 504 Programs
- Medical office buildings and healthcare facilities
- Hospitality properties including hotels and resorts
- Retail centers and mixed-use developments
- Senior living and assisted care facilities
About SBA 7(a) Financing
The 7(a) program represents the SBA's core lending initiative. It delivers financial support to small enterprises that might struggle to secure conventional financing. Named for section 7(a) of the Small Business Act authorizing SBA assistance, this program features diverse loan options including term financing, operational capital, and emergency support. Amounts range from several thousand to $5+ million. Interest rates typically fall below standard bank loan rates, with more accommodating repayment structures. LBC Mortgage maintains Preferred Lender status with the SBA, allowing for expedited application processing and approval.
Our Florida licensed broker has successfully secured over $500 million in 7(a) financing for local businesses in the past five years alone. The program offers particularly attractive terms for minority-owned businesses and those located in designated revitalization areas throughout Florida. Recent changes to the program have expanded eligibility criteria and increased maximum guaranty percentages. We provide comprehensive application support including documentation preparation and SBA submission requirements.
Small business owners considering launch or expansion should explore the advantages of 7(a) program participation.
About SBA 504 Financing
The 504 program specifically supports small businesses looking to grow or enhance their facilities. Named for its originating section in the Small Business Act and administered through the SBA, this program delivers long-term financing with fixed rates for significant capital investments, such as property acquisition, facility construction, or equipment purchases.
The structure typically involves a three-party arrangement between a Certified Development Company (CDC), a conventional lender, and your business. This unique arrangement allows businesses to secure below-market, fixed interest rates for up to 25 years, creating predictable payment schedules that enhance cash flow planning. Florida businesses particularly benefit from 504 loans when investing in hurricane-resistant building improvements and energy-efficient upgrades.
The program requires only 10% down payment in most cases, significantly lower than conventional commercial financing options. LBC Mortgage has established relationships with every CDC operating in Florida markets, allowing us to match your business with the most suitable partner.
For optimal 504 loan outcomes, partner with LBC Mortgage for your application process.
Commercial Loan Financing Process
Access business funding solutions with just a few simple steps!
- Submit your application through our secure portal
- Receive complimentary guidance from our financing specialist
- Utilize your capital to expand your business operations
- Enjoy ongoing support from our dedicated account managers
- Access additional financing options as your business grows
Commercial financing creates exceptional growth opportunities for real estate enterprises. By securing Florida commercial property funding through LBC Mortgage, you'll access the resources needed to scale your operations and achieve new business milestones. We provide industry-leading rates and conditions—contact us today to discover how we can support your business objectives. Our team includes former commercial real estate brokers who understand property valuation from both financing and market perspectives.
LBC Mortgage maintains a portfolio of over $2 billion in active commercial loans throughout Florida's major metropolitan areas and emerging markets. We offer specialized knowledge in navigating Florida's unique environmental regulations affecting commercial property development. Our clients typically close transactions 30% faster than the industry average due to our streamlined approval process. LBC Mortgage provides complimentary annual portfolio reviews to ensure your financing continues to meet your evolving business needs.