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Small Business Lending

Small Business Lending*.


City National Bank Of Florida  provides the financial resources and tools you need to help grow your business. We are a ready source of funding to keep your business running smoothly day in and day out. You can count on local, responsive decision-making on your business loan requests.

We offer a full array of lending products tailored to your individual business needs:

Meet your short-term funding needs, such as seasonal cash flow issues or unexpected opportunities. Credit Lines range from $250,000 to $1,000,000.
Purchase items that will help grow your business. Loan amounts range from $250,000 to $1,000,000
Revamp your business. City National Bank is here to help.
 

City National Bank offers a wide array of Small Business Administration Loans (SBA*) products to suit your business' needs.

Take advantage of a partnership between the government and banking, we can tailor a solution to help your business grow. See below our SBA loans options: 


1) SBA 504 TERM LOAN
 

SBA 504 loans offer long-term, fixed-rate financing to keep your growing business on the right track. The 504 term loan is generally funded from three sources: CNB, the SBA and borrower's equity.

  • 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

Use proceeds to:

  • Buy real estate
  • Finance major renovations
  • Purchase machinery and other equipment
  • Construct a new building
  • Refinance qualifying debt

2) SBAExpress

Fast turnaround and streamlined processing gives you access to the funds your business needs quickly.

  • Term loan or line of credit up to $350,000
  • Minimal down payment requirements
  • Longer repayment terms
  • Business expansion

Use proceeds to:

  • Purchase machinery and other equipment
  • Purchase inventory
  • Leasehold improvements
  • Buy real estate
  • Obtain permanent working capital
  • Refinance existing debt

3) SBA Export Express

SBA Export Express financing features fast approval on loans or lines of credit up to $500,000.

  • Streamlined application process
  • Term loan or line of credit up to $500,000
  • Fast turnaround time
  • Longer repayment terms

Use proceeds to:

  • Fund participation in a foreign trade show
  • Finance standby Letters of Credit
  • Create marketing materials for foreign markets
  • Purchase equipment and inventory
  • Real estate acquisition
  • Finance foreign receivables
SBA loans are designed for use by for profit businesses.
*Loan products are subject to credit approval and program requirements. Terms and conditions apply. This is not a commitment to lend. Loan programs, terms, rates, and conditions are subject to change without notice. 
**Subject to certain program credit guidelines and eligibility
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COMMERCIAL REAL ESTATE

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Services to better manage finances and cash flow along with everyday access to our City National Bank Of Florida Commercial Banking Experts.