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SBA Loans for Florida Small Businesses
Financing Guidance From a True SBA Expert
Whether you're financing growth, buying commercial real estate, or figuring out which loan fits your situation, Commercial Lending Group of Florida has a clear path forward for you. We guide you through the SBA loan process, from application to closing, to find the best loan for you and your business. Based in Jacksonville, FL, our SBA loan brokerage helps small business owners throughout Orlando, Tampa, and surrounding areas.
Three Reasons Florida Businesses Choose Us
21 Years of SBA Lending
Ed Randall has specialized in SBA loans since 2004, longer than most lenders have had an SBA department. That depth of experience means fewer surprises and faster answers.
Access to Multiple Lenders
As an independent SBA broker, we're not limited to one bank's criteria. We match your business to the right lender from a curated network, not the one that's most convenient for us.
Specialists in Loans Under $350K
Most banks pass on small SBA loans. We don't. Loans under $350K are our focus, the exact segment where Florida's small business owners need the most help.
SBA Lending Services Built for Small Business
SBA 7(a) Loans
The SBA 7(a) is the most flexible SBA loan available -- covering working capital, equipment, real estate, and more. If your business needs financing under $350K and a bank has already said no, this is often the right starting point.
SBA 504 Loans
Built for long-term fixed assets, commercial real estate, and major equipment, the SBA 504 gives you fixed rates and long terms that protect your monthly cash flow while you build equity.
Loan Consulting
Not sure which loan fits? Been turned down before? Ed Randall reviews your situation, identifies the right program, and prepares a clean application before anything is submitted. No wasted credit pulls.
Getting Your SBA Loan Takes Four Clear Steps
Most business owners hesitate because they don't know what the process looks like. Here's exactly what happens when you work with Commercial Lending Group of Florida, from your first call to the day your loan is funded.
Pre-Qualification
We review your business situation—revenue, time in business, and use of funds—and confirm whether you qualify and which SBA program fits. No application, no credit pull.
Loan Matching
Using our broker network, we identify the SBA-approved lenders whose criteria best match your profile. You get options, not a take-it-or-leave-it offer from a single bank.
Application Preparation
We guide you through every document, every form, and every lender question, so your application goes in clean, complete, and competitive.
Approval and Funding
Once approved, we stay involved through closing to keep things on track. Your job is to run your business—ours is to get this across the finish line.
21 Years of SBA Lending Experience on Your Side
Ed Randall founded Commercial Lending Group of Florida after more than two decades working inside SBA lending, the kind of experience that tells you, within a few minutes, whether a loan is the right fit and which lender will actually approve it.
That matters because most small business owners in Florida come to us after a bank has already said no. Ed doesn't start from a single institution's approval checklist. He works as an independent broker, which means he has access to a network of SBA-approved lenders and the freedom to match each client to the one most likely to say yes.
Ed has been specializing in SBA loans since 2004. License verification is available through NMLS Consumer Access at nmlsconsumeraccess.org and the Florida Office of Financial Regulation.
Serving Small Businesses Across Florida
Commercial Lending Group of Florida is headquartered in Jacksonville, and we work with small business owners throughout the state, from the First Coast to Central Florida and Tampa Bay.
Our primary markets are Jacksonville, Orlando, Tampa, and the Tallahassee/Panhandle area but our SBA broker model means geography rarely limits who we can help. If you're in Florida and looking for an SBA loan, we're the right call.
Common Questions About SBA Loans in Florida
If you've never applied for an SBA loan before, you probably have a few questions before picking up the phone. These are the ones we hear most often.
Do I qualify for an SBA loan if a bank already turned me down?
A bank rejection doesn't disqualify you from an SBA loan. Banks decline applications for many reasons, including internal loan size limits, that have nothing to do with SBA eligibility. As an independent broker, we have access to multiple SBA-approved lenders, each with different approval criteria. Many of our clients were turned away by a bank first.
How is working with an SBA broker different from going straight to a bank?
A bank can only offer its own products. An SBA broker works with a network of SBA-approved lenders and matches your business to the one most likely to approve your loan. That means better odds of approval, more loan options, and no pressure to take the first offer. We work for you, not the bank.
How long does the SBA loan process take from start to funding?
The timeline varies by loan type and lender, but most SBA 7(a) loans close within 30 to 90 days of a complete application submission. Pre-qualification can happen in days. The biggest delays come from incomplete paperwork—which is exactly why we manage the application process with you from the start.
What size SBA loan can I apply for through Commercial Lending Group of Florida?
We specialize in SBA loans under $350K—the segment most banks pass on because the margin doesn't justify their overhead. SBA 7(a) loans can go up to $5 million, but our focus is the smaller end of that range, where Florida small business owners need the most experienced help.
Do I need to be in Jacksonville to work with you?
No. Commercial Lending Group of Florida serves small business owners statewide. While we're headquartered in Jacksonville at 9040 Tropical Bend Cr, we work with clients in Orlando, Tampa, and across Florida. Most of the process happens remotely—a phone call is all it takes to get started.
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Bridging the Gap Between Your Business and Success
We're available Monday through Friday, 9:00 AM to 5:00 PM, and by appointment on Saturdays. Call (904) 239-7534 or contact us to get started.
