SBA LOANS

SBA 7(a) & 504 Loans Florida | Commercial Real Estate Financing

EnoughEquity

Florida SBA Lending Specialists

SBA 7(a) and 504 Loan Programs for Florida Business Growth

Unlock the capital your business needs to expand, acquire real estate, or purchase heavy equipment with our premium SBA 7(a) and 504 loan programs. At EnoughEquity Florida, we structure high-leverage commercial financing with competitive terms designed around your business goals.

Apply Today Call (352) 605-9906

90%

Financing

30-60

Days Closing

$5M

Loan Capacity

Request Your SBA Loan Assessment

24-hour assessment • No Application Fees

Why Choose SBA 7(a) vs. SBA 504 Financing?

SBA 7(a) Loans

The SBA 7(a) program provides up to $5 million for working capital, equipment purchases, business acquisition, refinancing, and flexible business expansion needs.

SBA 504 Loans

Designed for owner-occupied commercial real estate and major equipment purchases with long-term fixed-rate financing and predictable payments.

High Leverage Financing

Secure financing options with lower upfront capital requirements.

Expert SBA Guidance

We simplify underwriting and paperwork from application to closing.

Flexible Solutions

Choose the financing structure that protects your business cash flow.

Frequently Asked Questions (SBA Loans FAQ)

What is the main difference between SBA 7(a) and 504 loans?

SBA 7(a) loans are versatile and used for working capital, inventory, and acquisitions. SBA 504 loans focus on fixed assets like commercial real estate and heavy equipment.

What are the down payment requirements for Florida SBA loans?

Many SBA loans require as little as 10% borrower contribution, providing significantly higher leverage than conventional financing.

Can SBA loans refinance existing business debt?

Yes. SBA 7(a) loans can help consolidate expensive debt into more manageable monthly payments.

How long does SBA approval take?

EnoughEquity Florida works with SBA lenders to streamline underwriting, often closing qualified files within 30-60 days.

What properties qualify for SBA 504 loans?

Properties must generally be owner-occupied and used for eligible business operations.

Is credit score the only approval factor?

No. SBA lenders evaluate overall business strength, cash flow, revenue history, and repayment ability.

Ready to Secure Your Florida Commercial Capital?

Don’t let rigid institutional criteria block your growth. Speak directly with Cleve Dennis at EnoughEquity Florida to structure your custom loan package.

Call (352) 605-9906

✓ Principal Owned: Spry Florida LLC DBA EnoughEquity Florida

✓ Florida Direct Commercial Lending Specialist

✓ No Application Fees