Gulf Coast Business Finance
SBA 504 Loans
Other Loan Programs
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How do you apply?

The primary vehicle that we offer is SBA's 504 loan program, and we also work with Community Reinvestment Fund’s New Markets Tax Credit and general business loan programs. We can also provide your business with alternative financial and technical assistance by connecting you with the available lending and business assistance sources that will help your business grow.

What's the catch? Your business has to be considered as a “small business” under SBA’s guidelines. This means that it cannot have a net worth of more than $8.5-million or an annual net income of more than $3.0-million. To qualify, your expansion project must meet one of the following criteria:
  • create or retain jobs;
  • be located in a business revitalization district;
  • have at least 10 percent of its revenues derived from exports;
  • have greater than 51% of its ownership as minority, women or veteran;
  • be located in a "rural" area;
  • plan to increase your productivity and competitiveness through technology; or
  • be located in an area affected by federal budget reductions;
  • meet community development goals

GulfCoast has been providing business real estate and equipment loans to many different kinds of businesses for the past 26 years and we would like to help you in determining the best financing alternative available to you in today’s economy. We have loaned to a multitude of industries including: manufacturing, retail, distribution, hospitality, day-care facilities, restaurants, professional and medical offices, assisted living facilities, automotive and convenience stores, and to various franchise businesses. More than 450 businesses throughout the State of Florida have benefited from our programs with a total capital investment of over one-half billion dollars!

There is also financing available for non-profits and for companies that do not meet all of the SBA eligibility standards. If you're looking for all of your alternatives to commercial financing and/or available programs for business assistance, we are your experts.
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