SBA Lending

As one of the nation’s top Small Business Administration (SBA) lenders, BayFirst provides a wide range of lending options Small business loans can be used for just about any business expense, and they come with flexible terms, great rates, and other additional benefits. The Small Business Administration’s SBA 7(a) Loan is the most popular, but there are other loans to consider based on your needs.  Unsure which loan is right for your business or want to learn how to get a small business loan? We can help.

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SBA Lending Options

Find the right funding for your specific business use.

Working Capital

Fuel your daily operational expenses and manage your short-term cash flow.

Learn More about Working Capital

Business Acquisition

Buy an existing business with a loan from us.

Learn More about Business Acquisition

Real Estate Loans

Secure funds to build, buy or renovate a building.

Learn More about Real Estate Loans

USDA Loans

USDA loans offer up to $25 million in financing for real estate, equipment purchases, facility improvements, and working capital, for eligible enterprises in select zip codes.

Learn More about USDA

Other Small Business Loans

From partner buyouts to debt refinance, lines of credit, construction loans and more, we've got you covered.

Learn More about Other Small Business

Why BayFirst?

For more than 20 years, we've been Here for What’s Next® for businesses in the Tampa Bay area and nationwide. When you choose a small business loan from one of Tampa’s top small business lenders, you get the powerful backing of one of the nation’s top lending teams, fast access to your funds, and the personal guidance of our in-house team of experts. Simply put, we are one of the best places to get a small business loan.

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Don't just take our word for it.

Hear from business owners who think BayFirst is the best place to get a small business loan.

Lisa & David Douglas

Crosstown Couriers

“I wouldn't consider going any other route than first calling up on BayFirst.  For the level of service, I can't really think of one complaint that I have!”

Chef Michael Baugh

Let Them Eat Cake

“We are here to help our customers with their banking needs on every level”

What's Next? Get Started.

Curious about how to get a small business loan? You’ll just need to:

  • Find the Right Loan

    Determine the loan type that’s right for your needs.

  • Apply

    Apply for the loan using our streamlined application process.

  • Get Approved

    We’ll quickly review your application and be in touch.

  • Get to Work

    Start using approved funds in as quickly as a matter of days.

The BayFirst Difference

When you tap into the power of BayFirst’s small business lending team, you can expect:

  • A streamlined process, start to finish
  • Advanced technology
  • Personalized service
  • Faster decision times
  • Quick access to your funds

SBA Loans FAQ

SBA 504 and SBA 7(a) loans are both excellent financing options but serve different purposes. SBA 504 loans are designed for purchasing fixed assets like real estate or equipment, while SBA 7(a) loans offer more flexibility and can be used for working capital, debt refinancing, or business acquisitions. To learn more and see a detailed comparison, visit our SBA Loan Comparison page.

BayFirst has a minimum requirement of $25,000 and can provide small business loans up to $5 million. However, if you qualify your maximum loan amount will be determined by one of our lenders who will factor in how you plan to use the funds, your credit score, cash flow and more.

We are a proven national lender and provide lending options in all 50 states.

Yes, you can refinance for the same amount or take out additional funds.

There are a number of factors that will impact whether or not you qualify, however, the application process through BayFirst is streamlined to make it as simple as possible in order to get you the funding you need quickly. Get started by talking to an SBA lender at BayFirst.

Start by comparing our small business loan offerings or contact a loan expert who will guide you in the right direction. After you determine the right loan for you, you’ll gather your information and complete our streamlined application process.

Any small business owner can apply for an SBA loan, but there are eligibility requirements. Learn more here.