Looking for non-bank business loans in Florida?
First Pro Capital helps Florida business owners secure alternative financing when traditional banks move too slowly or decline the request. We specialize in non-bank lending solutions for working capital, expansion, equipment, healthcare practices, and cash-flow needs. As a Naples-based boutique firm, we serve companies across the entire state of Florida with practical, relationship-driven financing options.
What Are Non-Bank Business Loans?
Non-bank business loans are financing options provided by alternative lenders rather than traditional retail banks. These lenders often use more flexible underwriting, faster decision-making, and a wider range of collateral and credit criteria.
They are commonly used by Florida businesses that:
• Need funding faster than banks can deliver
• Have fair-to-good credit but do not fit strict bank guidelines
• Operate in specialized or asset-heavy industries
• Require larger loan amounts or creative structures
Non Bank SBA
Our non-bank SBA programs are not typically available at local retail banks. In many cases, rates can be more competitive than those offered by regional banks.
Key features include:
• 100% financing options for medical practices
• No-income-verification purchase programs (real estate collateral required)
• Minimum loan amount: $350,000
• Minimum credit score: 680
Important note: Refinances are generally not eligible for the specialized 100% financing and no-income-verification programs.
Non Bank SBA Express
SBA Express is a quick alternative of needing that $100,000 and up to $500,000 within 30 days., without forfeiting your current low interest business loan. Lenders require a credit score of 700 or better besides utilizing your FICO SBSS score. If you have impeccable credit and need quick cash and knowingly paying it off fast, this a worthy business loan for you.
Quick Business Line of Credit
A quick business line of credit is a little more expensive than SBA, it takes your business to the finish line for your expansion or fast working capital. An exit strategy must be in place, since the terms are shorter than SBA.
Features Include:
•Loan amounts up to 6M
•Credit score of 700 or more
•No prepayment penalty
Ledgered Line of Credit
A ledgered line of credit, also known as accounts receivable financing, gives businesses flexible access to cash based on outstanding invoices. Borrowers draw only what they need.
Advantages include:
• Seasonal over-advances
• Ability to include certain unbilled receivables
• Competitive rates for qualified companies
• Underwriting focused on actual cash-flow needs
This structure is especially useful for businesses with fluctuating receivables or supplier payment demands.
General Loan Parameters
• Minimum loan amount: $500,000
• Maximum loan amount: Up to $200 million
• Time in business: Minimum 2 years (start-ups evaluated case by case)
• Documentation: Alternative light documentation or full documentation available
Asset Based Lending
Three year or five year revolving line of credit securitized by tangible assets used for working capital and business expansion purposes. Minimum Loan Amount: $500,000
Equipment Financing
Bankable Terms
Quick turn times as little as 5 business days
Healthcare Financing
Medical Receivables: $100,000 to $10 M
Funding as little as 10 business days
Healthcare Bank Statement Funding: $100,000 to $1M
No tax returns
Funding as little as 3 business days
Micro Business Loans
- Starting at 50,000
- Loan Amounts up to $1M for Single Entity
- Preferred, Credit Score 650 or better (good credit score, equals better terms )
- Weekly payment to lender
- No upfront broker fees
- Minimum bank deposits of $100,000 or more
- Fixed Terms up to 24 Months
Purchase Order Financing
- Quick cash flow solution while you are waiting for your invoice to be paid by your customer
- Purchase Order financing is ideal for manufacturing companies
- Minimum Loan Amount: $200,000
Industries We Serve
- Air Charter Services
- Accounting
- Architectural Services
- ATV/ Golf Cart Dealers
- Attorneys
- Auto Parts
- Automotive- Auto Repair
- Barbershop
- Bicycle Shops
- Boat and RV Repair Service
- Builders
- Building Materials and Equipment
- Building Supply Company
- Business Cleaning Service
- Car Washes
- Chartered Services
- Chemical & Related Manufacturing
- Chiropractors
- Cigar Shop
- Closed Door Pharmacies
- Coffee and Donut Shops
- Computer Software and Repair
- Construction
- Convenience and Specialty Stores
- Compound Pharmacies
- Dentists
- Developers
- Distributors (All Categories)
- Doctors
- Dollar Store
- Dry Cleaners
- E Commerce
- Energy
- Engineer
- Electricians
- Electronics Manufacturing & Equipment
- Firearms
- Florists
- Food Products Manufacturing
- Funeral Homes
- General Contractors
- Gift Stores
- Hardware Stores
- Hair and Nail Salons
- Healthcare
- Home Healthcare
- HVAC
- Industrial
- Independent Pharmacies
- Irrigation
- Laboratory Services
- Landscape
- Medical Billing
- Medical Cannabis
- Medical Equipment Retail and Wholesaler
- Medical Imaging
- Medical Provider that Bills Third Party Insurance Carriers
- Medical Spa
- Medical Supplies Retail and Wholesaler
- Metal Supply Companies
- Pet Supply Stores
- Pet Grooming
- Pharmaceuticals / Health Products
- Pharmacy
- Photo Studios
- Plumbing
- Propane Retail and Wholesaler
- Orthodontists
- Radiology
- Restaurants
- Retail
- Staffing Companies
- Technology
- Transportation
- Trucking
- Urgent Care
- UPS/Mailing/ Shipping Stores
- Veterinarians
- Waste Management
- Window Treatments/ Blind Factories
Why Florida Business Owners Choose First Pro Capital
First Pro Capital is a boutique firm based in Naples, Florida. We focus on practical solutions for small and mid-sized business owners across the state. Our approach emphasizes clear communication, realistic underwriting, and access to a network of non-bank and alternative lenders.
Frequently Asked Questions
What credit score do I need for a non-bank business loan in Florida?
Requirements vary by program. Many options start around 650–680, while SBA Express typically requires 700 or higher.
How fast can I receive funding?
Depending on the program, funding can occur in as little as 3–10 business days for certain healthcare and equipment options, or within approximately 30 days for SBA Express.
Do you charge upfront fees?
No. First Pro Capital does not charge upfront broker fees.
Do you serve businesses outside Southwest Florida?
Yes. We serve business owners throughout the state of Florida.
Get Started with Florida’s Leading Alternative Business Finance Specialists
Ready to explore non-bank business loan options in Florida? Call 239.260.4602 (Southwest Florida) or 855.477.9007 (statewide), or complete the contact form on our website for a free consultation. First Pro Capital, practical alternative financing for Florida business owners. Read what people have to say about First Pro Capital on our Testimonials page. Conveniently located in Naples Florida.