At North Star Mortgage Network, we specialize in helping business owners secure SBA Commercial Real Estate Loans in Florida. These programs give entrepreneurs affordable financing to purchase, refinance, or expand their commercial property. With low down payments, long terms, and flexible approval options, SBA loans make owning your business location easier than ever.

If you’re ready to buy a building for your company or refinance an existing one, our Florida-based team can walk you through the entire process and make it simple from start to finish.

Why SBA Commercial Real Estate Loans in Florida Are So Popular

SBA Commercial Real Estate Loans in Florida are designed to help small and mid-sized business owners build wealth through ownership. Instead of renting, you can own your property, stabilize your overhead, and benefit from tax advantages while your building’s value grows over time.

Through SBA 7(a) and SBA 504 programs, business owners can access competitive interest rates, long-term amortizations, and flexible credit options that traditional banks often can’t match.

For more details about these programs, visit the official SBA website or talk to our team at North Star Mortgage Network to explore which option fits your business best.

SBA 7(a) Loans – A Flexible Option for Florida Businesses

The SBA 7(a) Loan Program is one of the most versatile and widely used small business financing tools in the nation. In Florida, this program helps owner-operators secure real estate with minimal down payments and flexible underwriting.

Key Features

  • Loan amounts up to $5 million
  • Up to 93% Loan-to-Value (LTV)
  • 25-year fully amortized terms
  • 51% owner-user occupancy minimum
  • Nationwide lending, locally managed in Florida
  • Eligible uses: purchase, refinance, or working capital

Property types include office buildings, retail centers, light industrial, and select special-use properties.

This program is especially attractive for first-time commercial buyers or business owners looking to expand their footprint without draining capital reserves.

SBA 504 Loans – Long-Term Stability with Fixed Rates

For established businesses that want stability, the SBA 504 Loan Program provides long-term fixed-rate financing. It’s designed to help you purchase or refinance owner-occupied commercial real estate while preserving your cash flow.

Program Highlights

  • Loans up to $10 million (1st TD, 60% LTV)
  • Secondary financing up to $5.5 million (93% CLTV)
  • Fixed interest rates available
  • Access to secondary market options up to $18 million
  • Use of funds: property purchase or refinance

This structure often combines a first mortgage from a private lender with a second loan through a Certified Development Company (CDC). Learn more about the SBA 504 Loan Program directly from the SBA website.

Conventional Commercial Loans – Fast, Simple, and Competitive

For borrowers who prefer a non-SBA option, our Conventional Commercial Loan Programs offer quick closings and flexible terms.

Benefits

  • Loan amounts up to $10 million
  • Up to 70% LTV
  • Non-SBA funding with fixed rates available
  • Nationwide lending with Florida expertise
  • Use of funds: purchase, refinance, or cash-out

These are ideal for business owners or investors who want fast closings and minimal paperwork, without SBA restrictions or processing delays.

Required Documents for SBA Commercial Real Estate Loans in Florida

We help simplify the documentation process to make funding straightforward and stress-free. Here’s what you’ll need to get started:

From Each Borrower (Owning 20% or More):

  • Personal tax returns for 2024, 2023, and 2022 (or 2021 if 2024 is not filed)
  • 2024 W-2 forms, if applicable
  • Purchase and Sale Agreement for the property
  • Two most recent months of bank statements (personal and business)

From All Businesses Owned (20% or More):

  • Business tax returns for 2024, 2023, and 2022 (or 2021 if 2024 is not filed)
  • 2024 year-end financials if returns are pending
  • Year-to-date profit and loss statement and balance sheet
  • Completed loan application package

Our Florida-based mortgage team will guide you through each step to ensure a clean and complete submission.

Who Qualifies for SBA Commercial Real Estate Loans in Florida

Eligibility is simple: your business must occupy at least 51% of the property upon closing.

These loans are ideal for:

  • Business owners purchasing their first building
  • Companies expanding into new space
  • Entrepreneurs refinancing existing commercial debt
  • Borrowers who were turned down by traditional banks

Even if you’ve faced credit or documentation challenges in the past, North Star Mortgage Network can often find a pathway to approval through flexible SBA options.

The Florida Advantage: Own, Don’t Rent

Florida’s business climate continues to attract new entrepreneurs every year. From Jacksonville to St. Augustine and St. Johns County, small businesses are thriving in industries like retail, logistics, healthcare, and manufacturing.

Owning your business property helps you control costs, protect against rent increases, and build equity in Florida’s fast-growing commercial real estate market.

If you’re ready to stop renting and start owning, SBA Commercial Real Estate Loans in Florida can help you make that move.

Why Work with North Star Mortgage Network

For more than two decades, North Star Mortgage Network has built a reputation for trust, transparency, and local expertise. We understand the Florida market—and we know how to get SBA loans approved quickly.

You’ll get direct, personal service from professionals who handle your loan from application to closing. We’re not a national call center or a faceless online lender—we’re your local Florida mortgage experts.

To learn more about how SBA loans can benefit your business, visit the Florida Small Business Development Center for additional resources and support.

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