Lending with Insight, Service with Heart
We understand that every business journey is unique. Whether you’re expanding your footprint across Florida or investing in New York, our commercial lending solutions are built around your needs.
Personalized Guidance Every Step of the Way
Financing Options Designed to Help Your Business Grow, Thrive, and Stay Resilient
Commercial Real Estate Loans
Build, Buy, or Expand: We Finance Your Vision
Whether you’re acquiring property, breaking ground on a new development, or refinancing your current asset, our commercial real estate loans are designed with long-term growth in mind.
We offer financing for
- Acquisitions
- Development & Construction
- Permanent Financing for owner-occupied or income-producing investment properties
- Ideal for established businesses looking to own or invest in commercial properties.
Commercial and Industrial
Working Capital & Term Loans
Keep your business running — or take it to the next level. Whether you need day-to-day liquidity or a long-term investment plan, we’re here to help you access funding when it matters most.
Term Loans
- Lump-sum funding with fixed or variable rates
- Typically repaid over 1–10 years
- Perfect for major investments, expansion, or equipment purchases
Working Capital Loans
- Revolving credit facilities
- Short-term financing for payroll, operational costs, or seasonal cash flow gaps
- Ideal for businesses with predictable revenue cycles but short-term liquidity needs
- Great for managing fluctuations in cash flow with on-demand access to funds
- Especially valuable for working professionals such as CPAs, attorneys, doctors, and other service-based practices that manage fluctuating receivables or client billing cycles
- Best suited for growing businesses with a plan and the need for flexibility.
Equipment & Asset-Based Financing
Power Your Operations with Purpose
Upgrade your technology, expand your fleet, or unlock capital from your existing assets. Our solutions help you move your business forward — efficiently and strategically.
Equipment Loans for Purchasing
- Machinery
- Vehicles
- Technology
Asset-Based Loans for
- Inventory
- Receivables
- Equipment or fleet-based working capital
- Best for businesses in manufacturing, logistics, retail, or professional services with physical assets to leverage.
SBA-Backed Loan Programs
Small Business, Big Ambitions – We’ve Got Your Back
As a community bank, we’re proud to partner with the U.S. Small Business Administration (SBA) to bring powerful, government-backed funding to local entrepreneurs.
SBA 7(a) Loans
- Loan amounts up to $5 million, with terms up to 25 years for real estate and 10 years for other purposes.
- SBA guarantees up to 85% for loans ≤ $150K and 75% for loans above that.
Eligible uses include
- Acquiring, refinancing, or improving real estate and buildings
- Short- and long-term working capital
- Refinancing current business debt
- Purchasing and installation of machinery and equipment — including AI-related expenses
- Purchasing furniture, fixtures, and supplies
- Changes of ownership (complete or partial)
- Multiple-purpose loans combining any of the above
- Ideal for small businesses seeking flexible funding options with government-backed assurance.
SBA 504 Loans
- Long-term, fixed-rate financing for major fixed assets that promote business growth and job creation.
- Available through Certified Development Companies (CDCs) — SBA-certified nonprofit partners that support local economic development.
- Loan Amounts: Up to $5.5 million
Uses
- Purchase or improve owner-occupied commercial real estate
- Acquire long-term machinery and equipment
- Construct or renovate facilities
- Cover eligible soft costs
- Great for startups, growing small businesses, or owners looking to purchase their own space.
Deals Closed
Local Impact, Real Stories
Disclosures
- Residential mortgage loans are subject to credit review and approval. Additional conditions and restrictions may apply.
- This is not a commitment to lend. Standard credit criteria apply.
- HELOC program only for Domestic Borrowers (U.S. Citizens and U.S. Residents) with properties located in the State of Florida.
- HELOC rate pricing is based on the WSJP, as published daily in The Wall Street Journal Eastern Edition Money Rates Table plus margin, subject to change at Bank’s discretion.
- Annual Percentage Rate (APR) may vary. Maximum HELOC APR is 18% and will never be lower than 5%.
- Primary residence – Single Family, PUDs, and warrantable condominiums only.
- Closing costs will apply.
- Speak with your tax advisor regarding the deductibility of interest.
- Third party costs and fees range between $850-$10,000. Other fees may apply.
- Bank will apply a credit in the amount of up to $1,000 toward the closing costs to be reflected in the closing statement. For all HELOCS paid off and closed within 24 months of opening date, the borrower will be required to reimburse the bank for the closing costs that were paid on their behalf. Other conditions may apply.
- Acceptable confirmation of hazard and windstorm insurance, and flood insurance may be required.
- Applicants must establish an International Finance Bank personal deposit relationship prior to closing.
We Solve your Doubts
Frequently Asked Questions
What types of commercial real estate projects do you finance?
We offer financing for acquisitions, development and construction, and permanent financing for owner-occupied or income-producing properties.
Do you provide working capital loans?
Yes. Our working capital loans are revolving credit facilities designed to help cover payroll, operational costs, or seasonal cash flow gaps. They are especially helpful for businesses with predictable revenue cycles or professional practices like CPAs, attorneys, and doctors.
What’s the difference between a term loan and a working capital loan?
- Term Loans provide lump-sum funding, typically repaid over 1–10 years, and are ideal for major investments, expansion, or equipment purchases.
- Working Capital Loans provide short-term, flexible financing to manage day-to-day cash flow needs.
Can I finance equipment or use my business assets as collateral?
Yes. We provide equipment loans for machinery, vehicles, and technology, as well as asset-based loans backed by inventory, receivables, or existing equipment.
