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Government-backed loans that help rural businesses and farms pay for energy-saving upgrades.

Miami-based nonprofit community lender offering small loans to local microbusinesses that banks may turn away.

Low-interest loans help farmers and ranchers recover crop, livestock and property losses after a disaster. Up to $500,000.

Florida's federally funded small business credit program helps lenders say yes to businesses with limited collateral or credit history. Varies by lender.

Helps small Florida exporters get financing to fill confirmed foreign orders, including startups that banks might turn away. Guarantee up to 90% or $500,000.

Florida small businesses can borrow up to $100,000 at a fixed 8.99% rate through a state-backed program run by a nonprofit lender. $5,000–$100,000 at fixed 8.99%, up to 60 months.

A federal guarantee that helps banks lend working capital to U.S. businesses filling export orders. 90% guarantee to the lender; no set minimum or maximum.

Low-cost loans for rural small businesses, made through local nonprofit and public lenders that borrow from USDA at 1%. Up to $400,000.

USDA backs loans from local banks so rural businesses can expand, buy equipment or property, or keep jobs in their communities. 80–85% guarantee on lender loans; terms up to 40 years.

Government-backed loans that help small exporters fill foreign orders and cover working capital to compete abroad. Export Express up to $500,000; Export Working Capital and International Trade up to $5 million.

Major national CDFI that lends directly to small businesses in underserved areas.

Free national directory of mission-driven lenders for owners who can't get bank loans; it also covers CDFIs not on the site. Varies by CDFI.

Nonprofit CDFI lending that covers Florida and startups mainstream banks decline. $1,000–$250,000+; startup loan up to $15,000.

Small-dollar loans and technical help for rural microbusinesses. Microloans up to $50000 (max 75% of project cost).

Core recovery financing after hurricanes and other disasters; covers businesses and households. Up to $2,000,000 for businesses; up to $500,000 home and $100,000 personal property.

Revenue-based financing and business accelerator for underserved small business founders — particularly diverse, women, and veteran-owned businesses — offering non-dilutive capital tied to revenue rather than fixed loan payments.

Small SBA-backed loans delivered through nonprofit intermediary lenders, often paired with technical assistance for newer or smaller businesses.

SBA-backed general purpose business financing for working capital, equipment, real estate, and other approved business uses through participating lenders.

Long-term, fixed-asset financing commonly used for owner-occupied real estate, major equipment, and capital projects through SBA and CDC partners.

Crowdfunded 0% interest small business loans for eligible U.S. entrepreneurs, with documentation and community fundraising requirements.

Nonprofit credit-building microloans for low-income entrepreneurs with Miami presence. $500–$2,500 first loan; larger loans every 6 months.

Nonprofit CDFI offering small business loans plus business assistance and education to entrepreneurs with limited access to resources; strongest fit for Texas-based users.

Mission-driven small business financing and coaching platform emphasizing transparent, flexible loans without hidden fees or predatory terms.

Affordable business loan resource paired with business know-how and counseling for minority- and women-owned businesses in South Florida.

Community-based small business loan fund serving entrepreneurs in Broward with a focus on underserved businesses.

CDFI small business loan program offering loans typically from $5,000 to $75,000, with larger loans up to $250,000 under special circumstances, at a published 6% rate for up to 5 years.

Black Business Loan Program administered by MBF for Miami-Dade businesses, pairing loans with technical assistance for eligible Black-owned firms.

Small business lending and support resource designed to help Miami-Dade businesses access affordable capital.

Nonprofit CDFI lender offering affordable small business loans nationwide, including options for working capital, equipment, inventory, leasehold improvements, supplies, vehicles, and commercial real estate.

Revolving loan fund program for businesses in South Florida that may not be well served by conventional lenders.

Mission-driven Florida small business lending and support resource offering microloans, small business loans, and related business support.

Mission-driven CDFI small business loan up to $150,000 with stated rate ranges and eligibility criteria published on the product page.

Fixed-rate small business loan product offering $5,000 to $50,000 loans at 7.5% fixed with 60-month terms.