We can help your business grow

What would it take for your business to get to the next level? To expand, to reach new markets, to increase your profits?

If access to business credit is part of the solution, here’s some great news: 
TotalBank is one of the leading Small Business Administration (SBA) Lenders in Miami-Dade County. 

Right now, TotalBank, in partnership with the Small Business Administration (SBA), is actively seeking opportunities to grant business loans. Small Business Credit Solutions include these SBA loans: 


Owner-occupied real estate loans with longer terms and fixed rates

Most popular government-guaranteed loan program for small businesses with longer terms; fully amortized

Streamlined and expedited approval of a term loan up to $350,000

Fast approval on financing up to $500,000 for exporters

Strengthen export capacity with loans up to $5 million

Strengthen export capacity with a revolving line of credit up to $5 million to support exports

Finance your accounts receivable and inventory, and improve your company’s cash flow with a revolving line of credit up to $5 million. 

TotalBank is one of the Top 5 SBA Lenders in Miami-Dade County. Compare our SBA Loans delivered by experienced Business Lenders.

#1 SBA Lender in Miami-Dade County
Source: SBA South Florida District Office (2009, 2010, 2011).

SBA 504 Term Loan
Look!
SBA 504 loans offer long term, fixed rate financing to keep your growing business on track. 

An excellent financing option when purchasing a building, office, gas station, warehouse, or any other real estate property that will be occupied at least 51% by the purchasing business.

Benefits!
  • Maximum loan amount up to $12.5 million
  • Up to 90% total project financing
  • Low down payments
  • Long fixed rate repayment terms - up to 20 years on SBA portion of the loan
  • No balloon payment on SBA portion
  • Improves cash flow, preserves liquidity 
More!
Use proceeds to:
  • Buy land and buildings
  • Finance major renovations
  • Purchase machinery and other equipment
  • Construct a new building
  • Refinance qualifying debt
To qualify, Borrower must contribute:
  • 10% down payment for businesses established for at least 2 years 
  • 15% down payment for start-up businesses (established less than 2 years) OR for special purpose properties
  • 20% down payment if the project is for a start-up business AND a special purpose property
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434



SBA 7(a) Loan
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The SBA 7(a) is the most commonly used government-guaranteed loan program. These loans provide long term financing to keep your business thriving. The SBA provides a guarantee of up to 85% for loans up to $150,000 and 75% for loans from $150,000 to $5 million.

Proceeds can be used to buy equipment and machinery, inventory, land, buildings, leasehold improvements, permanent working capital and, in certain cases, to refinance debt - virtually anything needed expand a small business.

Benefits!
  • Credit facilities up to $5 million
  • Low down payment
  • Long repayment terms and no balloon payment
  • Flexible terms for working capital, equipment and real estate
More!
Designed for small businesses in:
  • Manufacturing
  • Wholesale
  • Retail
  • Services
  • Independent companies and franchises
Use proceeds to:
  • Obtain permanent working capital
  • Purchase a business
  • Purchase inventory
  • Refinance existing business debt
  • Purchase equipment or machinery
  • Purchase real estate
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434

 
SBA Express
Look!
Fast turnaround and streamlined processing make SBA Express the “go to” loan when opportunity calls but time is short. 

Features expedited approval of a term loan up to $350,000. The SBA provides a 50% guarantee.

Benefits!
  • Streamlined application process
  • Term loan up to $350,000 
  • Fast turnaround time
  • Minimal down payment requirements
  • Longer repayment terms
  • Business expansion and business acquisition welcome
More!
Use proceeds to:
  • Purchase machinery and other equipment
  • Purchase inventory
  • Leasehold improvements
  • Buy land and buildings
  • Obtain permanent working capital
  • Refinance existing debt
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434


SBA Export Express
Look!
For Exporters, or businesses seeking to begin exporting, SBA Export Express financing features very fast approval on loans or lines of credit up to $500,000. The SBA provides a guarantee up to 90% of the total loan.

Benefits!
  • Streamlined application process
  • Term loan up to $500,000 
  • Rapid turnaround time
  • Longer repayment terms
  • New to Export business welcome
More!
SBA Export Express proceeds may be used for purposes that enhance the company’s export development:
  • Fund participation in a foreign trade show
  • Finance standby Letters of Credit
  • Create marketing materials for foreign markets
  • Finance specific export orders
  • Purchase equipment and inventory
  • Real estate acquisition
  • Finance foreign receivables
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434


SBA International Trade
Look!
Up to $5 million in financing for a small business to strengthen export capacity and increase export transactions. The SBA provides a guarantee up to 90% for loan amounts up to $5 million.

Designed to help small businesses enter and expand into international markets. Also, when adversely affected by import competition, help the business make the investments necessary to compete more successfully.

Benefits!
  • Maximum loan amount up to $5 million
  • Up to 90% total project financing
  • Long fixed rate repayment terms - up to 10 years or life expectancy on equipment, 25 years for real estate
More!
Use proceeds to improve International Trade competitive ability:
  • Acquire, construct, renovate, modernize, improve or expand facilities or equipment in the US to produce goods or services for International Trade
  • Refinance debt related to International Trade
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434

 
SBA Export Working Capital
Look!
SBA Export Working Capital is a revolving line of credit up to $5 million to assist small businesses who need export working capital. These loans provide short term working capital to finance the acquisition and production of goods and services being exported, the accounts receivable of such foreign sales, or standby letters of credit. May finance either a single transaction or a series of transactions.

Benefits!
  • Line of credit up to $5 million
  • Rapid turnaround time
  • Broad eligibility 
More!
Use proceeds to:
  • Pay for the manufacturing costs of goods for export
  • Purchase goods or services for export
  • Support standby Letters of Credit to act as bid or performance bonds
  • Finance foreign accounts receivable 
  • Increase sales prospects in under-developed markets which have high capital costs for exporters
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434

 
SBA CAPLines Loan Program
Look!
Umbrella program under which the SBA addresses the short term and cyclical working capital needs of small business. SBA Working Capital CAPLines provide up to $5 million in a revolving line of credit with up to 85% SBA guarantee. 

Benefits!
  • Line of credit up to $5 million
  • Guarantee up to 85%
  • Maturity up to 5 years
  • Secured by Accounts Receivable, Inventory, Contracts, and Purchase Orders
More!
Use proceeds to:
  • Finance inventory
  • Fulfill Purchase Orders
  • Free up Accounts Receivable
To apply, or for more information, contact the TotalBank SBA Department via e-mail or by phone at (305) 476-6434
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