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<!DOCTYPE html><!-- Last Published: Fri May 09 2025 19:25:57 GMT+0000 (Coordinated Universal Time) --><html data-wf-domain="www.fbdc.net" data-wf-page="6679db13ff96152b4bee7136" data-wf-site="6679db13ff96152b4bee7034" lang="en"><head><meta charset="utf-8"/><title>SBA 504 Loans - Florida Business Development Corporation</title><meta content="Secure fast and accurate SBA 504 loans for Florida businesses. We process more loans than any other company in the state, ensuring prompt and efficient financing." name="description"/><meta content="SBA 504 Loans - Florida Business Development Corporation" property="og:title"/><meta content="Secure fast and accurate SBA 504 loans for Florida businesses. We process more loans than any other company in the state, ensuring prompt and efficient financing." property="og:description"/><meta content="SBA 504 Loans - Florida Business Development Corporation" property="twitter:title"/><meta content="Secure fast and accurate SBA 504 loans for Florida businesses. We process more loans than any other company in the state, ensuring prompt and efficient financing." property="twitter:description"/><meta property="og:type" content="website"/><meta content="summary_large_image" name="twitter:card"/><meta content="width=device-width, initial-scale=1" name="viewport"/><link href="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/css/fbdc.shared.b452b162b.min.css" rel="stylesheet" type="text/css"/><style>@media (min-width:992px) {html.w-mod-js:not(.w-mod-ix) [data-w-id="eec351ec-4a08-9284-0da8-9fcdf008704d"] {opacity:0;}html.w-mod-js:not(.w-mod-ix) [data-w-id="eec351ec-4a08-9284-0da8-9fcdf0087057"] {opacity:0;}html.w-mod-js:not(.w-mod-ix) [data-w-id="eec351ec-4a08-9284-0da8-9fcdf0087061"] {opacity:0;}}</style><link href="https://fonts.googleapis.com" rel="preconnect"/><link href="https://fonts.gstatic.com" rel="preconnect" crossorigin="anonymous"/><script src="https://ajax.googleapis.com/ajax/libs/webfont/1.6.26/webfont.js" type="text/javascript"></script><script type="text/javascript">WebFont.load({ google: { families: ["Inter:100,200,300,regular,500,600,700,800,900","Onest:100,200,300,regular,500,600,700,800,900"] }});</script><script type="text/javascript">!function(o,c){var n=c.documentElement,t=" w-mod-";n.className+=t+"js",("ontouchstart"in o||o.DocumentTouch&&c instanceof DocumentTouch)&&(n.className+=t+"touch")}(window,document);</script><link href="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/67659654b9d575c17f062f4d_FBDC%20Web%20Logos_Favicon.png" rel="shortcut icon" type="image/x-icon"/><link href="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/67659657b63582bd765cabdf_FBDC%20Web%20Logos_Webclip.png" rel="apple-touch-icon"/><script async="" src="https://www.googletagmanager.com/gtag/js?id=G-D7GEF00XFG"></script><script type="text/javascript">window.dataLayer = window.dataLayer || [];function gtag(){dataLayer.push(arguments);}gtag('js', new Date());gtag('set', 'developer_id.dZGVlNj', true);gtag('config', 'G-D7GEF00XFG');</script><!-- [Attributes by Finsweet] CMS Slider -->
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<path d="M10.6691 6.27614L4.93133 12.0139L3.98853 11.0711L9.72625 5.33333H4.66907V4H12.0024V11.3333H10.6691V6.27614Z" fill="currentColor"/>
</svg></div></div></div></div></a></div><div class="dropdown-column"><div class="dropdown-title-wrapper"><div class="overline-x-small">Small Business Loans</div></div><div class="w-layout-grid dropdown-card-grid"><a data-w-id="5c4836b4-00b3-da5c-b1de-d74a150a2c91" href="/sba-504-loan-refinancing" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>SBA 504 Refinance Program</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Refinance commercial real estate loans easily and potentially receive cash back.</div></a><a data-w-id="5c4836b4-00b3-da5c-b1de-d74a150a2c89" href="/fbdc-504-velocity-bridge-loan-program" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>FBDC 504 Velocity Bridge Loan Program</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Minimizes or eliminates risks for banks and third-party lenders who finance first lien loans.</div></a><a data-w-id="5c4836b4-00b3-da5c-b1de-d74a150a2c99" href="/direct-lending-program" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>Direct Lending Program</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Access flexible, low-collateral financing designed for small businesses in underserved markets.</div></a><a data-w-id="5c4836b4-00b3-da5c-b1de-d74a150a2ca1" href="/vetloan-advantage-plus" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>VetLoan Advantage Plus</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Empower veteran-owned businesses with specialized financing and enhanced loan access.</div></a></div></div></div></div></nav></div><div data-hover="true" data-delay="600" data-w-id="6df9693f-45ab-a2af-06c0-8f4b03a3a19a" class="dropdown w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div class="nav-link">Company</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718d_Dropdown%20Icon.svg" loading="lazy" alt="" class="dropdown-icon"/></div><nav class="mega-menu-holder w-dropdown-list"><div class="mega-menu-wrapper"><div class="mega-menu-wrapper-holder resources"><div class="nav-dropdown-content"><div class="dropdown-main-content"><div class="dropdown-column"><div class="dropdown-title-wrapper"><div class="overline-x-small">Company</div></div><div class="w-layout-grid dropdown-card-grid"><a data-w-id="6df9693f-45ab-a2af-06c0-8f4b03a3a1a9" href="/about" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>About Us</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Founded in 1989 with a mission to excel and support businesses.</div></a><a data-w-id="6df9693f-45ab-a2af-06c0-8f4b03a3a1b1" href="/our-proven-process" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>Our Proven Process</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Step-by-Step Process to Get an SBA 504 Loan.</div></a></div></div></div></div></div></div></nav></div><div data-hover="true" data-delay="600" data-w-id="a1dd1b22-aec3-4a51-4f9e-3591590eff24" class="dropdown w-dropdown"><div class="dropdown-toggle w-dropdown-toggle"><div class="nav-link">Resources</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718d_Dropdown%20Icon.svg" loading="lazy" alt="" class="dropdown-icon"/></div><nav class="mega-menu-holder w-dropdown-list"><div class="mega-menu-wrapper"><div class="mega-menu-wrapper-holder resources"><div class="nav-dropdown-content"><div class="dropdown-main-content"><div class="dropdown-column"><div class="dropdown-title-wrapper"><div class="overline-x-small">Resources</div></div><div class="w-layout-grid dropdown-card-grid _3"><a data-w-id="678e4a3f-e0cc-9126-2188-0bb0468394ae" href="#" class="dropdown-card-small hide w-inline-block"><div class="dropdown-card-header"><div>Existing Loan Information</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
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</svg></div></div></div><div class="text-color-gray-800">Manage Your Loans with Ease and Confidence.</div></a><a data-w-id="678e4a3f-e0cc-9126-2188-0bb0468394b6" href="/borrower-resources" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>Borrower Resources</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
<path d="M13.3364 7.84518L6.16423 15.0173L4.98572 13.8388L12.1579 6.66667H5.8364V5H15.003V14.1667H13.3364V7.84518Z" fill="#1681c4"/>
</svg></div></div></div><div class="text-color-gray-800">Answers to your questions regarding borrower and relief resources.</div></a><a data-w-id="678e4a3f-e0cc-9126-2188-0bb0468394be" href="/questions" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>Frequently Asked Questions</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
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</svg></div></div></div><div class="text-color-gray-800">Get quick answers to your loan questions.</div></a><a data-w-id="678e4a3f-e0cc-9126-2188-0bb0468394c6" href="/contact" class="dropdown-card-small w-inline-block"><div class="dropdown-card-header"><div>Contact Us</div><div class="nav-dropdown-link-arrow"><div class="icon-small w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20" fill="none">
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</div><div>How the SBA 504 Works</div><script type="application/json" class="w-json">{
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class="company-logo"/></div><div class="company-logo-wrapper"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6744ca2e989730fe9dc20f6d_SouthPoint%20Bank.svg" loading="lazy" alt="" class="company-logo"/></div></div></div></div></div></div></div><div class="section margin-large bg-white"><div class="w-layout-blockcontainer container w-container"><a href="#" class="how-lightbox w-inline-block w-lightbox"><div class="how-image w-embed w-iframe"><div data-video-id="31898" style="width: 100%; height: 100%;overflow: hidden;">
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}</script></a><div class="section-heading-wrapper"><div class="title-left"><h2 class="title-2">The <span class="gradient-span">how, who and what</span> of SBA 504 Loans</h2></div></div><div class="_504-benefits-wrapper"><div class="benefit-card"><div class="benefit-card-heading-wrapper"><div>How does it work?</div></div><div class="benefit-card-content-wrapper"><div class="benefit-card-content-item"><div class="benefit-card-content-item-heading">10%</div><div>Downpayment</div></div><div class="benefit-card-content-item"><div class="benefit-card-content-item-heading">50%</div><div>Bank Lends</div></div><div class="benefit-card-content-item"><div class="benefit-card-content-item-heading">40%</div><div>FBDC Lends</div></div></div></div><div class="benefit-card"><div class="benefit-card-heading-wrapper _2"><div>Who can get one? </div></div><div class="benefit-card-content-wrapper _1"><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
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</div></div><div>For-profit businesses in the U.S.</div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M10.0002 15.172L19.1922 5.979L20.6072 7.393L10.0002 18L3.63623 11.636L5.05023 10.222L10.0002 15.172Z" fill="currentColor"/>
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</div></div><div>Business net worth under $20 million</div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
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</div></div><div>Business net profit under $6.5 million</div></div></div></div><div class="benefit-card"><div class="benefit-card-heading-wrapper _3"><div>What can you use it for?</div></div><div class="benefit-card-content-wrapper _1"><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M10.0002 15.172L19.1922 5.979L20.6072 7.393L10.0002 18L3.63623 11.636L5.05023 10.222L10.0002 15.172Z" fill="currentColor"/>
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</div></div><div>Buying a building for your business</div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M10.0002 15.172L19.1922 5.979L20.6072 7.393L10.0002 18L3.63623 11.636L5.05023 10.222L10.0002 15.172Z" fill="currentColor"/>
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</div></div><div>Renovating your current business property</div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M10.0002 15.172L19.1922 5.979L20.6072 7.393L10.0002 18L3.63623 11.636L5.05023 10.222L10.0002 15.172Z" fill="currentColor"/>
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</div></div><div>Purchasing heavy equipment or machinery</div></div></div></div><div class="benefit-card"><div class="benefit-card-heading-wrapper _4"><div>Main benefits</div></div><div class="benefit-card-content-wrapper _2"><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
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</div></div><div class="benefit-card-item-wrapper"><div class="benefit-card-item-bold">Low Down Payment</div><div>As low as 10%</div></div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M10.0002 15.172L19.1922 5.979L20.6072 7.393L10.0002 18L3.63623 11.636L5.05023 10.222L10.0002 15.172Z" fill="currentColor"/>
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</div></div><div class="benefit-card-item-wrapper"><div class="benefit-card-item-bold">Fixed Interest Rates</div><div>Won't Increase</div></div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
<path d="M10.0002 15.172L19.1922 5.979L20.6072 7.393L10.0002 18L3.63623 11.636L5.05023 10.222L10.0002 15.172Z" fill="currentColor"/>
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</div></div><div class="benefit-card-item-wrapper"><div class="benefit-card-item-bold">Long Repayment Terms</div><div>Up to 25 Years</div></div></div><div class="benefit-card-content-item flex"><div class="benefit-check-icon"><div class="icon w-embed"><svg width="420" height="420" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
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</div></div><div class="benefit-card-item-wrapper"><div class="benefit-card-item-bold">Keeps Cash Available</div><div>For Other Needs</div></div></div></div></div></div></div></div><div class="section"><div class="container no-top"><div class="promo-banner"><div>Find Out if the SBA 504 Loan is Right For You</div><a href="/sba-504-loan" class="button-3 outline w-button">Learn More</a></div></div></div><div class="section bg-grey"><div class="container"><div class="main-feature-holder"><div data-w-id="1d09daac-577e-d947-aa4d-760aeb3fc8ee" class="main-feature-container"><div class="main-feature-content"><div class="main-feature-content-holder"><div class="badge-primary">The Difference</div><h2 class="title-2">Why choose us for your lending needs?</h2><div class="why-us-card-wrapper"><div data-w-id="eec351ec-4a08-9284-0da8-9fcdf008704d" class="why-us-card"><div class="why-us-icon-wrapper"><div class="icon-regular w-embed"><svg width="41" height="41" viewBox="0 0 41 41" fill="none" xmlns="http://www.w3.org/2000/svg">
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Service is the foundation of our organization – our team cares.</p></div></div></div></div></div></div><div class="main-feature-images-holder"><img sizes="100vw" srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb09cc680bd682331a29d_Store%20Owners%20Smiling-p-500.webp 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb09cc680bd682331a29d_Store%20Owners%20Smiling-p-800.webp 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb09cc680bd682331a29d_Store%20Owners%20Smiling-p-1080.webp 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb09cc680bd682331a29d_Store%20Owners%20Smiling-p-1600.webp 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb09cc680bd682331a29d_Store%20Owners%20Smiling.webp 2000w" alt="" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb09cc680bd682331a29d_Store%20Owners%20Smiling.webp" loading="lazy" class="main-feature-image"/></div></div><div data-w-id="1d09daac-577e-d947-aa4d-760aeb3fc8fb" class="main-feature-container"><div class="main-feature-content right"><div class="main-feature-content-holder"><div class="badge-primary">Your Trusted Partner</div><h2 class="title-2">Secure Your Business Loan with Confidence Today</h2><p>With over 35 years of expertise, FBDC is your trusted partner for small business financing. Our streamlined process ensures you get the funds you need quickly and efficiently. Experience the peace of mind that comes with working with Florida's premier 504 lender.</p><a href="/contact" class="button-with-arrow w-inline-block"><div>Speak to a Loan Officer</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee717f_Button%20Arrow.svg" loading="lazy" alt="" class="button-arrow"/></a></div></div><div class="main-feature-images-holder left"><img sizes="100vw" srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb0a7459e96faf6d20cd1_Business%20Building-p-500.webp 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb0a7459e96faf6d20cd1_Business%20Building-p-800.webp 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb0a7459e96faf6d20cd1_Business%20Building-p-1080.webp 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb0a7459e96faf6d20cd1_Business%20Building-p-1600.webp 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb0a7459e96faf6d20cd1_Business%20Building.webp 2000w" alt="" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/672bb0a7459e96faf6d20cd1_Business%20Building.webp" loading="lazy" class="main-feature-image"/></div></div></div></div></div><div class="section margin-large bg-white"><div class="w-layout-blockcontainer container w-container"><div class="section-heading-wrapper"><div class="title-left"><h2 class="title-2">Financing Structure</h2><div>The typical SBA 504 Loan structure is as follows: <br/><br/>50% lenders note, 40% SBA 504 note and 10% borrower contribution.</div></div><div class="title-button-holder"><a href="/contact" class="button-3 outline w-button">Questions?</a></div></div><div class="structure-wrapper"><div data-ix="center" data-w-id="9a9e40b9-8c0a-27df-7da1-2709ce2e75cf" class="structure-graph-wrapper"><div class="structure-graph-chart-wrapper"><div class="circle out-line"><div class="top-circle out-line"><div class="amount">SBA 504 Loan <br/>Structure</div></div><div class="base-grid"><div data-ix="90-degrees" class="progress-bar layer-5"></div><div data-ix="180-degrees" class="progress-bar layer-4"></div><div data-ix="270-degrees" class="progress-bar layer-3"></div><div data-ix="92" class="progress-bar layer-1"></div><div data-ix="92" class="progress-bar layer-2"></div><div data-ix="hide-white" class="progress-mask"></div></div></div></div><div class="structure-graph-legend splash"><div>Bank or Credit Union - 50%</div><div class="skill-bar"><div class="skill-progress-wrapper d-strategy"><div class="skill-progress"></div></div></div><div>CDC / SBA 504 - 40%</div><div class="skill-bar"><div class="skill-progress-wrapper info-arch"><div class="skill-progress blue"></div></div></div><div>Borrower Contribution - 10%</div><div class="skill-bar"><div class="skill-progress-wrapper strategy"><div class="skill-progress red"></div></div></div></div></div><div class="structure-graph-content"><h3 class="title-3">May 2025 Rates</h3><div class="structure-graph-rate-wrapper"><div class="structure-graph-rate-label">6.397%</div><div class="structure-graph-rate-info-wrapper"><div>25-Year Debentures</div></div></div><div class="structure-graph-rate-wrapper"><div class="structure-graph-rate-label">6.426%</div><div class="structure-graph-rate-info-wrapper"><div>25-Year Refi</div></div></div><div class="structure-graph-rate-wrapper"><div class="structure-graph-rate-label">6.416%</div><div class="structure-graph-rate-info-wrapper"><div>20-Year Debentures</div></div></div><div class="structure-graph-rate-wrapper"><div class="structure-graph-rate-label">6.446%</div><div class="structure-graph-rate-info-wrapper"><div>20-Year Refi</div></div></div><div class="structure-graph-rate-wrapper"><div class="structure-graph-rate-label">6.218%</div><div class="structure-graph-rate-info-wrapper"><div>10-Year Debentures</div></div></div><div class="structure-graph-rate-wrapper"><div class="structure-graph-rate-label">6.254%</div><div class="structure-graph-rate-info-wrapper"><div>10-Year Refi</div></div></div></div></div></div></div><div class="section margin-large bg-white"><div class="w-layout-blockcontainer container w-container"><div class="section-heading-wrapper"><div class="title-left"><h2 class="title-2">Benefits of the SBA 504 Loan</h2></div></div><div class="benefits-chart-wrapper"><div class="benefits-chart-item-wrapper"><h3 data-w-id="ca523496-c26e-9229-7e2c-92de3d96cee2" style="opacity:0" class="title-3">For Borrowers</h3><div class="benefits-chart-card-wrapper"><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading">Low Down Payment</div><div>as little as 10% of project to preserve working capital</div></div></div><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading">Finance up to 90% of the project</div><div>at a long-term, fixed-rate, below market financing</div></div></div><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading">Commercial Debt refinancing</div><div>available</div></div></div></div><a href="/contact" class="button-with-arrow w-inline-block"><div>Speak to a Business Development Officer</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee717f_Button%20Arrow.svg" loading="lazy" alt="" class="button-arrow"/></a></div><div class="benefits-chart-item-divider"></div><div class="benefits-chart-item-wrapper"><h3 data-w-id="ca523496-c26e-9229-7e2c-92de3d96cf01" style="opacity:0" class="title-3">For Lenders</h3><div class="benefits-chart-card-wrapper"><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon lender"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading lender">Strengthen lender loan portfolio</div><div>with 1st lien position and low loan-to-value</div></div></div><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon lender"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading lender">Preserve borrower's </div><div>working capital</div></div></div><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon lender"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading lender">Fixed interest rate helps you</div><div>compete for more business</div></div></div><div class="benefits-chart-card-item"><div class="benefits-chart-card-item-icon lender"><div class="icon-regular w-embed"><svg xmlns="http://www.w3.org/2000/svg" width="100%" height="100%" viewBox="0 0 24 24" fill="none" preserveAspectRatio="xMidYMid meet" aria-hidden="true" role="img">
<path fill-rule="evenodd" clip-rule="evenodd" d="M12 22C17.523 22 22 17.523 22 12C22 6.477 17.523 2 12 2C6.477 2 2 6.477 2 12C2 17.523 6.477 22 12 22ZM15.536 8.464C15.7238 8.27649 15.9783 8.17126 16.2437 8.17144C16.5091 8.17163 16.7635 8.27723 16.951 8.465C17.1385 8.65277 17.2437 8.90734 17.2436 9.17271C17.2434 9.43807 17.1378 9.69249 16.95 9.88L11.297 15.533L11.293 15.537C11.2003 15.6302 11.0902 15.7041 10.9689 15.7546C10.8475 15.8051 10.7174 15.831 10.586 15.831C10.4546 15.831 10.3245 15.8051 10.2031 15.7546C10.0818 15.7041 9.97165 15.6302 9.879 15.537L9.875 15.533L7.05 12.708C6.95449 12.6158 6.87831 12.5054 6.8259 12.3834C6.77349 12.2614 6.7459 12.1302 6.74475 11.9974C6.7436 11.8646 6.7689 11.7329 6.81918 11.61C6.86946 11.4872 6.94371 11.3755 7.0376 11.2816C7.1315 11.1877 7.24315 11.1135 7.36605 11.0632C7.48894 11.0129 7.62062 10.9876 7.7534 10.9887C7.88618 10.9899 8.0174 11.0175 8.1394 11.0699C8.26141 11.1223 8.37175 11.1985 8.464 11.294L10.586 13.415L15.536 8.465V8.464Z" fill="currentColor"/>
</svg></div></div><div class="benefits-chart-item-content"><div class="benefits-chart-card-item-heading lender">Offers creative financing to differentiate</div><div>your lending institution in the marketplace</div></div></div></div><a href="/contact" class="button light-blue-button w-inline-block"><div>Partner With Us</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee71ba_Right%20Arrow.svg" loading="lazy" alt="" class="button-arrow"/></a></div></div></div></div><div class="section"><div class="container"><div class="section-paddings"><div class="section-heading-wrapper no-padding"><div class="title-left"><h2 class="title-2">A comprehensive array of programs to meet your needs</h2></div><div class="title-button-holder"><a href="/contact" class="button-3 outline w-button">Speak to a Loan Officer Today</a></div></div><div class="program-card-wrapper"><div class="home-program-grid _2"><a id="w-node-_5e34732c-dcff-fc8b-a51d-0460e2e84287-4bee7136" href="/sba-504-loan" class="program-card w-inline-block"><div class="program-card-image-wrapper"><img srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape-p-500.jpeg 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape-p-800.jpeg 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape-p-1080.jpeg 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape-p-1600.jpeg 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape-p-2000.jpeg 2000w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape-p-2600.jpeg 2600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape.jpeg 4000w" loading="lazy" sizes="(max-width: 4000px) 100vw, 4000px" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/669a7d465662928de89f8d93_Tampa%20Cityscape.jpeg" alt="" class="program-card-image"/></div><div class="content"><div class="icon-small-wrapper"><div class="icon-small w-embed"><svg width="64" height="64" viewBox="0 0 64 64" fill="none" xmlns="http://www.w3.org/2000/svg">
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</svg></div></div><div class="program-card-heading-wrapper"><div class="program-card-name">SBA 504 Loan Program</div></div><p>The SBA 504 Loan Program offers long-term, fixed-rate financing for small businesses to purchase land, buildings, and equipment at competitive rates.</p></div></a><a href="/sba-504-loan-refinancing" class="program-card w-inline-block"><div class="program-card-image-wrapper"><img srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing-p-500.jpeg 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing-p-800.jpeg 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing-p-1080.jpeg 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing-p-1600.jpeg 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing-p-2000.jpeg 2000w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing.jpeg 3000w" loading="lazy" sizes="100vw" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bad43906c7d8d0f9ba80_Loan%20Refinancing.jpeg" alt="" class="program-card-image"/></div><div class="content"><div class="icon-small-wrapper"><div class="icon-small w-embed"><svg width="32" height="32" viewBox="0 0 32 32" fill="none" xmlns="http://www.w3.org/2000/svg">
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</svg></div></div></div><div class="program-card-heading-wrapper"><div class="program-card-name">FBDC 504 Velocity Bridge Loan Program</div></div><p>The FBDC 504 Velocity Bridge Loan Program provides bridge loans to minimize risks for banks and third-party lenders in SBA 504 projects, ensuring efficient project completion.</p></div></a><a href="/vetloan-advantage-plus" class="program-card w-inline-block"><div class="program-card-image-wrapper"><img srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family-p-500.jpeg 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family-p-800.jpeg 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family-p-1080.jpeg 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family-p-1600.jpeg 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family-p-2000.jpeg 2000w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family-p-2600.jpeg 2600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family.jpeg 4000w" loading="lazy" sizes="(max-width: 4000px) 100vw, 4000px" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66997752dd01432dc0f8ce4d_Veteran%20Family.jpeg" alt="" class="program-card-image"/></div><div class="content"><div class="icon-small-wrapper"><div class="icon-small w-embed"><svg width="33" height="33" viewBox="0 0 33 33" fill="none" xmlns="http://www.w3.org/2000/svg">
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</svg></div></div><div class="program-card-heading-wrapper"><div class="program-card-name">VetLoan Advantage Plus</div></div><p>At FBDC, we're committed to helping veterans and their spouses access affordable financing for their small businesses.</p></div></a><a href="#" class="program-card w-inline-block"><div class="program-card-image-wrapper"><img srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending-p-500.jpeg 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending-p-800.jpeg 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending-p-1080.jpeg 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending-p-1600.jpeg 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending-p-2000.jpeg 2000w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending.jpeg 3000w" loading="lazy" sizes="100vw" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bc16f5a50f69cf6029dd_Alternative%20Lending.jpeg" alt="" class="program-card-image"/></div><div class="content"><div class="icon-small-wrapper"><div class="icon-small w-embed"><svg width="24" height="24" viewBox="0 0 24 24" fill="none" xmlns="http://www.w3.org/2000/svg">
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</svg></div></div><div class="program-card-heading-wrapper"><div class="program-card-name">Direct Lending</div></div><p>Our Direct Lending programs offer financing solutions for small businesses, with loans from $50,000 to $400,000.</p></div></a></div></div></div></div></div><div class="section"><div class="w-layout-blockcontainer container w-container"><div class="feature-holder"><div class="fade-in-on-scroll left"><div class="feature-half-title"><div class="badge-primary">FBDC Facts</div><h2 class="title-2">Making waves with our successes and achievements</h2><div class="facts-updated-date">Updated as of September 30, 2024</div></div></div><div data-w-id="1877697a-2886-bfcd-e0b1-f6eb56e4d0fa" class="feature-number-wrapper-scroll"><div class="home-stats-content-wrapper sticky home"><div class="home-stats-image-wrapper"><img sizes="(max-width: 767px) 100vw, (max-width: 991px) 728px, 940px" srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave-p-500.jpeg 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave-p-800.jpeg 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave-p-1080.jpeg 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave-p-1600.jpeg 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave-p-2000.jpeg 2000w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave-p-2600.jpeg 2600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave.jpeg 4000w" alt="" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685bea9563c19b6ea81fd4c_Wave.jpeg" loading="lazy" class="home-stats-image"/></div><div class="w-layout-grid feature-numbers-grid"><div id="w-node-_3ebe52fd-c1ad-8012-8f31-5e0cdf4e5d9f-4bee7136" data-w-id="3ebe52fd-c1ad-8012-8f31-5e0cdf4e5d9f" class="facts"><div class="number-fact">14B+</div><div class="fact-sub-heading">in total 504 projects approved.</div></div><div id="w-node-_3ebe52fd-c1ad-8012-8f31-5e0cdf4e5da6-4bee7136" data-w-id="3ebe52fd-c1ad-8012-8f31-5e0cdf4e5da6" class="facts"><div class="number-fact">76K+</div><div class="fact-sub-heading">in total estimated job creation.</div></div></div></div></div></div></div></div><div class="section hide"><div class="container"><div class="section-paddings"><div class="section-heading-wrapper"><div class="title-left"><div class="fade-in-on-scroll"><h2 class="title medium">Discover the Magic Behind Our Platform</h2><p>Lorem ipsum dolor sit amet consectetur. 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Cras aliquam a faucibus non enim tortor pellentesque.</p></div></div><div class="section-paragraph"><div class="fade-in-on-scroll"></div></div></div><div class="feature-content-grid"><div class="feature-list-holder"><div class="feature-list"><div class="check-icon-holder"><img loading="lazy" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee70e2_Check%20Dark.svg" alt="" class="check-icon-3"/></div><div class="check-item-text">Lorem ipsum dolor sit amet, consectetur.</div></div><div class="feature-list"><div class="check-icon-holder"><img loading="lazy" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee70e2_Check%20Dark.svg" alt="" class="check-icon-3"/></div><div class="check-item-text">Elementum purus ac fermentum</div></div><div class="feature-list"><div class="check-icon-holder"><img loading="lazy" src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee70e2_Check%20Dark.svg" alt="" class="check-icon-3"/></div><div class="check-item-text">Maecenas massa massa id arcu blandit dignissim</div></div></div><div class="feature-heading-content"><p>Lorem ipsum dolor sit amet, consectetur adipiscing elit. 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Know exactly where your driver is, estimated time of arrival.</div></div></div><div id="w-node-_9135b5c1-c439-3139-aa8f-7a17f458bfff-4bee7136" class="card-shadows-2"><div class="card-feature"><div class="card-feature-titel">Secure In-App Payments</div><div class="card-feature-paragraph">Enjoy hassle-free transactions with seamless in-app payments. Your payment information is encrypted, ensuring a secure.</div></div></div><div id="w-node-_9135b5c1-c439-3139-aa8f-7a17f458c005-4bee7136" class="card-shadows-2"><div class="card-feature"><div class="card-feature-titel">Driver Ratings and Feedback</div><div class="card-feature-paragraph">Rate your drivers and provide feedback after each ride. 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Enjoy the convenience of planning your transportation ahead of time.</div></div></div><div id="w-node-_9135b5c1-c439-3139-aa8f-7a17f458c011-4bee7136" class="card-shadows-2"><div class="card-feature"><div class="card-feature-titel">Real-Time Tracking</div><div class="card-feature-paragraph">Access a suite of safety features, including an SOS button for emergencies, real-time sharing of trip details with trusted contacts.</div></div></div><div id="w-node-_9135b5c1-c439-3139-aa8f-7a17f458c017-4bee7136" class="card-shadows-2"><div class="card-feature"><div class="card-feature-titel">Punctuality Assistant</div><div class="card-feature-paragraph">Experience on-time arrivals with intelligent route optimization. Void ensures that your trips are efficiently planned.</div></div></div></div></div></div><div class="section no-overflow"><div class="container"><div class="integrations-block"><div class="integrations-text-container"><div class="fade-in-on-scroll"><div class="badge-primary">Who We Are</div><h2 class="title-2">Meet the experts behind your success</h2></div><div class="integration-paragraph-holder"><div class="fade-in-on-scroll"><p>Since 1989, the Florida Business Development Corporation (FBDC) has been dedicated to the success of Florida small businesses. These are the experts who make that happen.</p></div></div><div class="fade-in-on-scroll"><a href="/about" class="button-with-arrow w-inline-block"><div>Meet the Team</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee717f_Button%20Arrow.svg" loading="lazy" alt="" class="button-arrow"/></a></div></div><div class="integration-grid-holder"><div data-w-id="05521726-2d79-9855-96ed-500667260135" class="home-team-intro-grid"><div class="w-dyn-list"><div role="list" class="team-collection-list w-dyn-items"><div role="listitem" class="w-dyn-item"><div id="w-node-_95efdf9c-9496-7694-6c68-6d0a0c7527ce-4bee7136" class="team-user"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee70b1/6685c611f2cab0741595c021_66612779d7e0a65694f6d94a_Bill-BW-Square.avif" loading="lazy" alt="" class="team-image"/><div class="team-content-holder"><div class="team-content"><div class="teammate-title">Bill Habermeyer</div><p class="paragraph-s">President & CEO</p></div></div></div></div><div role="listitem" class="w-dyn-item"><div id="w-node-_95efdf9c-9496-7694-6c68-6d0a0c7527ce-4bee7136" class="team-user"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee70b1/6685c611fd97dd276bafeae3_666127c36516c31488cb99ac_Bob-Zinkil.avif" loading="lazy" alt="" class="team-image"/><div class="team-content-holder"><div class="team-content"><div class="teammate-title">Bob Zinkil</div><p class="paragraph-s">Executive V.P & COO</p></div></div></div></div><div role="listitem" class="w-dyn-item"><div id="w-node-_95efdf9c-9496-7694-6c68-6d0a0c7527ce-4bee7136" class="team-user"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee70b1/6685c611051a094fda254dcb_666127e4d067e3d92df7dfe9_Mayhew-BW-final.avif" loading="lazy" alt="" class="team-image"/><div class="team-content-holder"><div class="team-content"><div class="teammate-title">Mark Mayhew</div><p class="paragraph-s">Executive V.P & Chief Lending Officer</p></div></div></div></div></div></div></div></div><div class="blur-blur-holder"><div class="blue-blur-integration"></div><div class="blue-blur-integration _02"></div></div></div></div></div><div class="section overflow-hidden"><div class="container"><div class="divider"></div><div class="section-paddings"><div class="section-center-text"><div class="section-title xl"><div class="fade-in-on-scroll"><div class="badge-primary">Testimonials</div><h2 class="title medium">Client Successes That Speak Volumes</h2></div></div></div><div class="testimonial-holder"><div class="testimonial-container"><div data-delay="4000" data-animation="slide" class="testimonial-slider w-slider" data-autoplay="false" data-easing="ease-out-expo" data-hide-arrows="false" data-disable-swipe="false" data-autoplay-limit="0" data-nav-spacing="3" data-duration="1250" data-infinite="false" fs-cmsslider-element="slider"><div class="testimonial-mask w-slider-mask"><div class="testimonial-slide-wide w-slide"></div></div><div class="slider-left-arrow w-slider-arrow-left"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee7125_Left%20Arrow.svg" loading="lazy" alt="" class="slider-arrow"/></div><div class="slider-left-arrow right w-slider-arrow-right"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee7124_Right%20Arrow.svg" loading="lazy" alt="" class="slider-arrow"/></div><div class="slide-nav w-slider-nav w-round"></div></div></div></div><div fs-cmsslider-element="list" class="w-dyn-list"><div role="list" class="w-dyn-items"><div role="listitem" class="w-dyn-item"><div class="slider-testimonial-holder-normal"><div class="short-testimonial-content-holder"><div class="testimonial-avatar"><div>MW</div></div><div class="short-testimonial-text">I had the pleasure of working with Dana for over 7 years. You can't ask for a more honest, dedicated, knowledgeable and professional person working for and with you. Her work over the years has always been top notch and you can always trust on her to take care of your customers in a professional, friendly way.</div><div class="testimonial-name-wrapper"><div class="short-testimonial-person">Monique Walsh</div><div>SBA Lending Group</div></div></div></div></div><div role="listitem" class="w-dyn-item"><div class="slider-testimonial-holder-normal"><div class="short-testimonial-content-holder"><div class="testimonial-avatar"><div>RC</div></div><div class="short-testimonial-text">My gratitude goes to Armando Martinez and the Florida Business Development Corp-team. We recently closed on a SBA-backed commercial property structured utilizing FBDC whose discipline to their purpose, resourcefulness, and dedication provided the successful conclusion. Great to work with true professionals; highly organized, always communicative and well-connected in the industry. Thank you FBDC.</div><div class="testimonial-name-wrapper"><div class="short-testimonial-person">Rob Conrad</div><div>Encore Optical Laboratories</div></div></div></div></div><div role="listitem" class="w-dyn-item"><div class="slider-testimonial-holder-normal"><div class="short-testimonial-content-holder"><div class="testimonial-avatar"><div>RC</div></div><div class="short-testimonial-text">I enjoy working with Daniel Martinez and his team at the Florida Business Development Corporation (FBDC). Daniel is hands on, very meticulous and responsive. Renee Madormo is a seasoned and very efficient administrator. Together they provide a customer experience to our mutual clients that is second to none. As partners, they make the application process easy for our clients from the start of the process through the closing: their turnaround time on underwriting is quick, they facilitate the communication with the SBA representatives & attorneys and ensure the deadlines for the debenture funding is on time.</div><div class="testimonial-name-wrapper"><div class="short-testimonial-person">Ramsey Chabbar</div><div>Bank of Tampa</div></div></div></div></div><div role="listitem" class="w-dyn-item"><div class="slider-testimonial-holder-normal"><div class="short-testimonial-content-holder"><div class="testimonial-avatar"><div>DM</div></div><div class="short-testimonial-text">The 504 program was the perfect fit for SiteREADY to help retain our operating capital and grow our business. The FBDC team was a pleasure to work with by helping us to get approved and closed quickly. We highly recommend them for your real estate project!</div><div class="testimonial-name-wrapper"><div class="short-testimonial-person">Dylan McCrory</div><div>SiteREADY</div></div></div></div></div><div role="listitem" class="w-dyn-item"><div class="slider-testimonial-holder-normal"><div class="short-testimonial-content-holder"><div class="testimonial-avatar"><div>JD</div></div><div class="short-testimonial-text">I like to use the 504 program when a client prefers to put less down on equipment or real estate. Part of the loan gets a great long term fixed rate and the fees can be financed. Florida Business Development Corp has a great team from top to bottom. They are always willing to answer any questions and I trust them to speak directly to my clients. Not only do they help during the approval and closing process they are there during the servicing of the loans as well. FBDC has a very knowledgeable staff and is a great resource to answer all of my SBA 504 questions.</div><div class="testimonial-name-wrapper"><div class="short-testimonial-person">Jim Downey</div><div>US Ameribank</div></div></div></div></div></div></div></div></div></div><div id="faqs" class="section"><div class="container"><div class="question-grid"><div class="section-center-text"><div class="section-title xl"><div class="fade-in-on-scroll"><h2 class="title medium">Frequently Asked Questions</h2></div></div><div class="section-paragraph"><div class="fade-in-on-scroll"><p>Whether you're curious about our loan programs, general information, or application specific faqs, we've got you covered.</p></div></div><div class="fade-in-on-scroll"><a href="/questions" class="button-with-arrow w-inline-block"><div>All Questions</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee717f_Button%20Arrow.svg" loading="lazy" alt="" class="button-arrow"/></a></div></div><div class="questions-holder"><div class="faq-content"><h4 class="title-4 faq-content-heading">General Information</h4><div class="questions-container"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">What is an SBA 504 loan?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><p>A loan for businesses to purchase real estate, heavy machinery, or equipment.<br/></p></div></div></div><div class="questions-container"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">Why a SBA 504 loan instead of a commercial loan? What are the advantages?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><ul role="list"><li>Down payment as low as 10%</li><li>Long term, fixed rate financing</li><li>Terms of 10, 20 or 25 years</li></ul></div></div></div><div class="questions-container"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">Why Florida Business Development?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><p>Our team provides seamless processes from application to closing – giving our customers the certainty, speed and service they deserve</p></div></div></div><div class="questions-container"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">What can I use a SBA 504 loan for?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><ul role="list"><li>Funds can be used as follows:<ul role="list"><li>Purchase of land<br/></li><li>Purchase of Building<br/></li><li>New Building Construction<br/></li><li>Purchase of machinery and equipment with 10-year useful life<br/></li><li>Modernize, renovate or improve building<br/></li><li>Soft Costs<br/></li></ul></li></ul><ul role="list"><li>REFINANCE<ul role="list"><li>Existing Commercial Real Estate Debt<br/></li><li>Existing Machinery and Equipment Debt<br/></li><li>Other eligible business debt</li></ul></li></ul></div></div></div><div class="questions-container"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">Who is eligible for an SBA 504 loan?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><p>For-profit businesses with a tangible net worth not to exceed $20 million and a net profit not to exceed $6.5 million (after taxes).</p></div></div></div><div class="questions-container"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">Who is ineligible for an SBA 504 loan?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><p>Ineligible borrowers include non-profits, lending institutions, and insurance companies, as well as borrowers affiliated with speculative development, gambling concerns and private clubs.</p></div></div></div><div class="questions-container last-one"><div class="question"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee718a_Plus%20Icon.svg" loading="lazy" alt="" class="question-icon"/><div class="question-text">What are ineligible use of funds?</div></div><div class="answer-holder"><div class="answer-rich w-richtext"><p>Ineligible use of funds includes working capital, inventory, rolling stock, broker fees and bank attorney fees.</p></div></div></div><div class="fade-in-on-scroll"><div class="colored-block"></div></div></div><div class="fade-in-on-scroll top-20"><div class="colored-block"><div class="questions-cta"><div class="heading-and-supporting-text"><div class="small-cta-heading">Still have questions?</div><p>Can’t find the answer you’re looking for? Get in touch with a loan officer today who can help!</p></div><div class="content"><a href="/contact" class="button one-line w-button">Contact Us</a></div></div></div></div></div></div></div></div><div data-w-id="8ed71055-6ae7-5324-a6d4-54fc76e0e2d9" class="cta-wrapper"><div class="container"><div class="cta-container"><div class="cta-form-holder"><div class="cta-heading-holder"><div class="cta-heading-wrapper"><h2 class="title-2">Connect & Speak to a Loan Officer Today</h2></div><div class="cta-paragraph-holder"><p>Let's connect and see how we can help you and your business grow today!</p></div><a href="/contact" class="button-with-arrow w-inline-block"><div>Schedule a No-Risk Consultation</div><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6679db13ff96152b4bee717f_Button%20Arrow.svg" loading="lazy" alt="" class="button-arrow"/></a></div></div><div class="cta-app-holder"><div data-w-id="3ce6d3b1-d53f-c814-8c56-f2e75fe4e93a" class="hero-app-container"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners.jpeg" loading="eager" data-w-id="afb7a514-66a8-b10a-7c8c-6b2bb26ffe8e" alt="" sizes="(max-width: 479px) 64vw, (max-width: 767px) 91vw, (max-width: 991px) 87vw, (max-width: 1439px) 59vw, 799.59375px" srcset="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners-p-500.jpeg 500w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners-p-800.jpeg 800w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners-p-1080.jpeg 1080w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners-p-1600.jpeg 1600w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners-p-2000.jpeg 2000w, https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/6685c98b912fc22f77da4424_Two%20Business%20Owners.jpeg 3000w" class="app-image"/></div></div><div data-w-id="d974c681-0ece-0aa3-7c78-2e3ba50df233" class="blue-blur-cta"></div><div data-w-id="0611b204-c6cd-8212-f589-733d3159414b" class="blue-blur-cta _02"></div></div></div></div><div class="section"><div class="container"><div class="footer-wrapper"><div class="footer-brand-wrapper"><a href="/" aria-current="page" class="footer-brand w-inline-block w--current"><img src="https://cdn.prod.website-files.com/6679db13ff96152b4bee7034/66841d329cf2c7d79efbcc14_FBDC%20Combination%20Mark_Primary.svg" loading="lazy" alt="" class="footer-brand-image"/></a><div class="footer-heading">Your Source for SBA 504 Lending</div><div class="footer-paragraph-holder"><p>FBDC is a private, non-profit Certified Development Company established in 1989 to administer the Small Business Administration (SBA) 504 Loan Program. 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Whois info of domain
Domain Name: FBDC.COM
Registry Domain ID: 1476825_DOMAIN_COM-VRSN
Registrar WHOIS Server: whois.domainit.com
Registrar URL: http://www.domainit.com/
Updated Date: 2024-12-08T08:46:03Z
Creation Date: 1998-01-09T05:00:00Z
Registry Expiry Date: 2026-01-08T05:00:00Z
Registrar: Domain-It!, Inc.
Registrar IANA ID: 412
Registrar Abuse Contact Email: [email protected]
Registrar Abuse Contact Phone: +1.5133514222
Domain Status: clientTransferProhibited https://icann.org/epp#clientTransferProhibited
Name Server: NS1.DOMAINIT.COM
Name Server: NS2.DOMAINIT.COM
DNSSEC: unsigned
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