Need a loan? We’re all business.

We offer a variety of business loans, including:

• Term Loans: Fixed or variable rate options, ideal for purchasing equipment, expanding operations, or other long-term investments.
• Small Business Administration (SBA) Loans: Government-backed loans offering competitive variable rates and terms for small businesses inlcuding SBA 7(a) loans for general business needs, SBA 504 loans for real estate and equipment financing, and USDA loans to support businesses in rural areas with favorable terms for agricultural and rural development projects.
• Equipment Financing: Designed specifically for acquiring new or used equipment.
• Commercial Real Estate Loans: Perfect for purchasing, refinancing, or expanding commercial properties to support business growth.
• Construction Loans: Designed to fund the development or renovation of commercial properties, with flexible terms tailored to the project's timeline and budget.
• Lines of Credit: Suitable for managing cash flow, purchasing inventory, or covering short-term expenses.

Our experts can help you choose the best option based on your business needs and goals.

Choosing the right business loan depends on several factors, including the size of your business, your financial goals, and how you plan to use the funds. Explore all the many loan options available at BayFirst above or contact us today for help finding the best fit.

Yes, BayFirst provides both fixed and variable rate options for business loans and lines of credit. The availability of these options depends on factors such as the specific loan type, use of funds, or amount of funding requested.

For instance, requested funds used for purposes like working capital or purchasing equipment, may include fixed or variable rate loan options. Similarly, our Commercial Lines of Credit provide access to funds with flexible terms, and the rate type can vary based on the credit line specifics.

It's important to note that the terms and conditions, including interest rates, are subject to credit approval. We recommend consulting with one of our experienced business lenders to determine the best loan type for your business needs.

For more detailed information on our business loan offerings, please visit our Business Loans page:

All loan products are subject to credit approval. Terms and conditions may apply. Please contact BayFirst for more information.

 Interest rates for business loans vary based on factors such as the type of loan, loan term, and your business’s creditworthiness. We offer competitive rates and work with you to find a repayment plan that fits your budget. 

The amount your business can borrow depends on several factors, including the type of loan, your business’s financial health, creditworthiness, and the purpose of the loan. We offer lending options for almost any loan amount, tailored to your business’s specific needs. Contact an expert at BayFirst to find out how much you could qualify for.

The approval process can take anywhere from a few days to several weeks, depending on the loan type, your business’s financial situation, and the complexity of your application. At BayFirst, our goal is get you your funds as quickly as possible once approved and keep you informed throughout the process.

Though the requirements will vary based on the type of loan and size of your business, you’ll typically need to provide information including your business's financial statements, tax returns, credit history, and a business plan. Our team is here to guide you through the process and help you understand the documentation needed during each step of the way.