Serving Jacksonville and the greater Florida First CoastEvery business loan program we can place, in one place.
One conversation connects your business to 38+ financing programs across our lender network: SBA, working capital, equipment, lines of credit and industry-specific funding from $10K to $5M.
- One advisor across every program
- No upfront fees, no obligation
- Lender-agnostic: we shop your file across the network
One advisor across every program
Call (904) 915-5857
A lot of programs. A short way to choose between them.
Business financing splits into a handful of families: short-term working capital, revolving lines of credit, asset-backed equipment loans, SBA-backed programs for the long term, and industry-tailored options. The right choice depends on what the money is for, how fast you need it, and what your file supports.
Not sure where to start?Skip the catalog and just call (904) 915-5857 Five minutes is usually enough to know which two or three programs to pursue.
Start with the use of funds
Payroll and inventory point toward working capital or a line of credit. A truck or CNC points to equipment financing. A building or partner buyout points to SBA or CRE.
Then weigh speed vs. cost
Same-day options trade rate for speed. SBA takes weeks but offers the longest terms and lowest cost. Most files land somewhere in the middle.
Bring all of it to one advisor
You don't need to pick the right program before calling. Tell us the situation and we'll narrow the list to the two or three that actually fit.
Every program, grouped by category
Click any program for typical amounts, terms, qualifications and how to apply. Amounts, speed and terms are typical ranges and depend on the lender and your business profile.
SBA Loans
Long-term, lower-rate SBA-backed financing for established small businesses: acquisitions, expansion, refinance and real estate.
SBA Loans
Long-term, lower-rate SBA financing for established small businesses.
- Amount
- $50K – $5M
- Speed
- 30–60 days
- Term
- Up to 25 yrs
SBA 7(a) Loan
The SBA's most flexible program: working capital, acquisitions, and refinancing.
- Amount
- $50K – $5M
- Speed
- 30–60 days
- Term
- 10–25 yrs
SBA Loan for Daycare
SBA financing tailored for licensed daycare and childcare operators.
- Amount
- $100K – $5M
- Speed
- 30–60 days
- Term
- 10–25 yrs
SBA Loan for Franchise
Buy or expand an approved franchise with SBA-backed funding.
- Amount
- $50K – $5M
- Speed
- 30–60 days
- Term
- 10–25 yrs
SBA Express Loan for Veterans
Expedited SBA Express loans for veteran-owned businesses.
- Amount
- Up to $500K
- Speed
- 1–3 weeks
- Term
- Up to 10 yrs
Working Capital & Cash Flow
Short and mid-term funding to cover payroll, inventory, opportunities and seasonal cash swings.
Working Capital Loans
Short-term funding to cover payroll, inventory, and operating needs.
- Amount
- $10K – $500K
- Speed
- 24–72 hrs
- Term
- 3–24 mo
Business Line of Credit
Flexible revolving credit you can draw on as needs arise.
- Amount
- $10K – $250K
- Speed
- 1–3 days
- Term
- Revolving
Small Business Loans
Term loans for established small businesses across Jacksonville.
- Amount
- $25K – $500K
- Speed
- 2–5 days
- Term
- 1–5 yrs
Short Term Business Loans
3–18 month financing for fast-moving opportunities.
- Amount
- $10K – $250K
- Speed
- 24–72 hrs
- Term
- 3–18 mo
Merchant Cash Advance
Advance against future card sales with flexible daily/weekly remittance.
- Amount
- $5K – $500K
- Speed
- 24–48 hrs
- Term
- 3–18 mo
Unsecured Business Loans
Financing without pledging specific business collateral.
- Amount
- $10K – $250K
- Speed
- 1–3 days
- Term
- 6–36 mo
Startup Business Loans
Funding options for newer Jacksonville businesses and founders.
- Amount
- $10K – $150K
- Speed
- 1–5 days
- Term
- 1–5 yrs
Business Acquisition Loans
Financing to buy an existing business or partner buyout.
- Amount
- $100K – $5M
- Speed
- 30–60 days
- Term
- 5–25 yrs
Accounts Receivable Financing
Borrow against your outstanding B2B receivables.
- Amount
- $25K – $5M
- Speed
- 3–7 days
- Term
- Revolving
Invoice Factoring
Sell unpaid invoices for immediate cash. No new debt.
- Amount
- $10K – $5M
- Speed
- 1–5 days
- Term
- Per invoice
Revenue Based Financing
Repay as a percentage of monthly revenue.
- Amount
- $25K – $1M
- Speed
- 2–5 days
- Term
- 6–24 mo
Equipment & Asset
Purchase or refinance trucks, machinery and core equipment. Secured by the asset itself.
Equipment Financing
Purchase or refinance trucks, machinery, and core equipment.
- Amount
- $10K – $2M
- Speed
- 1–5 days
- Term
- 2–7 yrs
Manufacturing Equipment Financing
CNC, fabrication, and production machinery financing.
- Amount
- $25K – $5M
- Speed
- 3–10 days
- Term
- 3–7 yrs
Agriculture Equipment Financing
Tractors, implements, and ag equipment for growers.
- Amount
- $25K – $1M
- Speed
- 3–10 days
- Term
- 3–7 yrs
Landscaping Equipment Financing
Mowers, trucks, and trailers for landscape contractors.
- Amount
- $10K – $500K
- Speed
- 1–5 days
- Term
- 2–6 yrs
Farm Credit Financing
Working capital and equipment loans for FL farm operations.
- Amount
- $25K – $2M
- Speed
- 1–3 weeks
- Term
- 3–10 yrs
Brokers & Fast Funding
Same-day options and brokered placements when speed and lender choice both matter.
Same-Day Business Loans
Fast-track funding for qualified businesses that need capital now.
- Amount
- $5K – $250K
- Speed
- Same day
- Term
- 3–18 mo
Business Lenders Near Me
Local Jacksonville lender matching across our partner network.
- Amount
- $10K – $5M
- Speed
- Varies
- Term
- Varies
Business Loan Broker
One application, multiple lenders, transparent terms.
- Amount
- $10K – $5M
- Speed
- Varies
- Term
- Varies
Commercial Loan Broker
Brokerage services for larger commercial financing requests.
- Amount
- $250K – $10M+
- Speed
- Varies
- Term
- Varies
Industry-Specific
Programs tailored to how specific industries actually operate: restaurants, trucking, medical, retail and more.
Dental Practice Loans
Acquisition, expansion, and equipment loans for dental practices.
- Amount
- $50K – $2M
- Speed
- 1–3 weeks
- Term
- 5–15 yrs
Medical Practice Loans
Capital for medical, dental, and veterinary practices.
- Amount
- $50K – $5M
- Speed
- 1–3 weeks
- Term
- 5–15 yrs
Restaurant Loans
Build-out, equipment, and working capital for restaurant operators.
- Amount
- $25K – $1M
- Speed
- 2–7 days
- Term
- 1–10 yrs
Trucking Business Loans
Tractor, trailer, and operating capital for trucking companies.
- Amount
- $25K – $1M
- Speed
- 1–5 days
- Term
- 2–7 yrs
Commercial Construction Loan
Ground-up and renovation financing for commercial projects.
- Amount
- $250K – $10M+
- Speed
- 30–60 days
- Term
- 1–25 yrs
Hotel Loans
Acquisition, refi, and PIP financing for FL hospitality assets.
- Amount
- $500K – $20M+
- Speed
- 30–90 days
- Term
- 5–25 yrs
Salon Business Loans
Working capital and build-out for salons, spas, and barbershops.
- Amount
- $10K – $250K
- Speed
- 2–7 days
- Term
- 1–5 yrs
Retail Business Loans
Inventory, build-out, and growth capital for retailers.
- Amount
- $25K – $500K
- Speed
- 2–7 days
- Term
- 1–5 yrs
Auto Repair Shop Financing
Lifts, diagnostics, and working capital for auto repair shops.
- Amount
- $10K – $500K
- Speed
- 2–7 days
- Term
- 1–7 yrs
Ecommerce Business Funding
Inventory and ad-spend capital for online sellers.
- Amount
- $10K – $500K
- Speed
- 1–5 days
- Term
- 3–24 mo
Food Truck Financing
Truck, equipment, and working capital for mobile food operators.
- Amount
- $25K – $250K
- Speed
- 3–10 days
- Term
- 2–6 yrs
Loan for Gym Business
Equipment and expansion financing for gyms and fitness studios.
- Amount
- $25K – $1M
- Speed
- 1–3 weeks
- Term
- 2–10 yrs
Women-Owned Business Funding
Capital programs and SBA options for women-owned businesses.
- Amount
- $10K – $5M
- Speed
- Varies
- Term
- Varies
From first call to funded, in four steps
Talk to an advisor
A 5-minute call to understand the use of funds, your timeline, and the basics of your business profile.
Share the basics
Three months of business bank statements and a short debt schedule. No application fee, no credit hit.
We shop your file
We place your file with the lenders most likely to win it. Same day for straightforward profiles.
Review real offers
Two or three structured offers side by side. You choose the one that fits, or walk away.
The basics, before you call
These are general guidelines across our lender network. Specific programs have their own minimums, and your advisor will tell you which fit.
Time in business
6+ months for short-term and equipment programs. 2+ years for most SBA and CRE programs. Startup options available.
Monthly revenue
$10K+ in monthly business deposits is typical for working capital. Larger programs scale with documented revenue.
Credit profile
Most programs work with 600+ personal FICO. Some asset-backed and factoring options go lower; SBA prefers 680+.
Documents you'll need
Three months of business bank statements and a current debt schedule are enough to start. Larger requests add tax returns and financials.
About choosing the right program
How do I know which program is right for my business?+
Start with what the money is for and when you need it. A 5-minute call with an advisor narrows the list to the two or three programs that actually fit your file. You don't need to pick before reaching out.
Do I have to choose just one program?+
No. It's common to combine a line of credit for cash flow with a longer-term loan (like SBA or equipment financing) for a specific purchase. We'll structure what fits.
How fast can I get funded?+
Short-term and merchant cash advance products can fund in 24–72 hours on complete files. Equipment and line-of-credit programs typically take 3–10 days. SBA programs take 30–60 days but offer the longest terms and lowest cost.
Will applying hurt my credit?+
Initial pre-qualification is a soft pull and does not impact your credit. A hard inquiry only happens once you accept an offer and move into final underwriting.
What does this cost me?+
Vermillion Advances charges no upfront fees. We're compensated by the lender at closing on terms you accept, so there's no cost to explore your options.
What if I don't fit a standard program?+
That's most of the conversations we have. With dozens of programs across the lender network, there's almost always a structure worth discussing. If there genuinely isn't one yet, we'll tell you what to fix.
One call. The right program. No upfront cost.
Tell us what you need the funding for and we'll bring back the two or three programs from this directory that actually fit your business.