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Loans

Working together - our goals are one.
Working together
our goals are one.
One Florida Bank offers business loans designed to meet the unique goals of local businesses. With our focus on developing personal relationships, local decision making and business know-how, we are committed to finding the right solution to help your business grow.
 
 
 
One Florida Bank offers a variety of amortizing term loans to help your business grow or to provide needed access to funding.
 
  • Expand facilities
  • Purchase equipment and fixed assets
  • Consolidate debt
  • Increase working capital
 
Term loans may be used as permanent financing to convert a construction loan at the time of project completion or for the purchase of an existing property – competitive rates and multiple amortization options available.
One Florida Bank provides a wide range of commercial real estate financing including new construction, acquisition or refinancing options.
 
  • Purchase of office, retail or industrial buildings
  • Refinance an existing commercial real estate loan
  • Residential and commercial real estate projects
  • Construction loans
  • Short-term bridge loans
  • Permanent fixed rate financing

Income Producing Real Estate Loans

  • Retail
  • Office
  • Multi-family
  • Industrial

Development Loans

  • Lending for residential real estate projects
  • Land loans
  • Acquisition and development funding
  • Lot financing

Construction Loans

  • Real Estate Improvement
  • Aggregate commitment amounts
  • Progressive draws
  • Maturity coincides with project completion
One Florida Bank offers working capital and asset lending to help your business manage its cash flow needs.
 
  • Finance receivables
  • Manage seasonal cash fluctuations
  • Flexible repayment structures

Working Capital Loans

  • A committed credit facility allowing your business to borrow, repay and borrow funds again as needed
  • Advance and repay principal to match the cycle of your company’s collection of assets
  • Working capital loans may be permanent or you may wish to structure the line to reduce over a specified period
  • Can be structured with a longer maturity date, options typically include converting all or a portion of the amount outstanding to a term loan.
One Florida Bank offers Agriculture Loans and we have the experience to provide you professional advice and assistance with your farming financial needs. We provide annual payment loans to coincide with production cycles. We also assist with Farm Service Agency (FSA) Guarantees.
 
  • Production Loans
  • Purchase Equipment & Fixed Assets
  • Consolidate Debt

Agriculture Real Estate Loans

  • Purchase Loans
  • Refinance
  • Construction
The United States Small Business Administration (SBA) (www.sba.gov) was created by the federal government to strengthen the nation’s economy by providing aid, counsel, and assistance to small businesses.  One Florida Bank partners with the Small Business Administration to offer certain loans.
 
SBA loans are specifically designed for small business owners. One Florida Bank will partner with your business to identify the program that best fits your company’s needs.
 
  • Programs include the SBA 7(a) and 504
  • Great for providing working capital
  • Longer term financing available for the purchase of real estate, equipment, or inventory.
 

Here are a few items you should bring:

Existing Business:

  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business
 
Business Acquisition:
 
  • Last 3 years of fiscal year-end balance sheets
  • Last 3 years of income statements
  • Interim balance sheets and income statements
  • Signed personal financial statement
  • Last 2 years of federal tax returns on the business
  • Signed purchase agreement
  • Projections for at least one year – cash flow, balance sheet, and income statement
 
All Requests:
 
  • Articles of Incorporation – if a corporation.
  • Partnership Agreement – if a partnership.
  • Articles of Organization – if an LLC.
  • Use of Proceeds
Our financing solutions can help you expand your business in a variety of ways, including:
 
  • Commercial trucks/fleet loans
  • Industrial equipment
  • Specialty vehicles