Small Business Loans in Boca Raton & Palm Beach County, FL
Pro Capital matches Boca Raton and Palm Beach County businesses with the right lender. One application, no hard credit pull.
Which funding route fits your Boca Raton business?
Match your funding purpose to a repayment structure your business can support.
| Situation | Typical route | Main constraint | Where to go |
|---|---|---|---|
| Pre-revenue or new business | Startup or co-signer paths | Lender eligibility and guarantor profile | Startup funding |
| Under two years in business | Alternative working capital or equipment | Operating history and lender criteria | Working capital |
| Two-plus years, temporary cash gap | Working capital or line of credit | Cash flow and lender criteria | Lines of credit |
| Equipment purchase | Equipment financing | Equipment quote and lender conditions | Equipment financing |
| Payroll, inventory, or receivables | Working capital or invoice factoring | Repayment capacity or eligible invoices | Invoice factoring |
| Owner-occupied real estate | SBA 504 | SBA and participating lender eligibility | SBA loans |
| Declined by a bank | Broker comparison | Different lender criteria | Lender network |
Business funding options through Pro Capital
Pro Capital has a program for every credit score.
Term loans
Term loans provide a lump sum, require 680+ FICO, start at Prime + 1, and have no loan minimum or maximum.
Business line of credit
Lines of credit provide reusable capital, require 680+ FICO and $8,000+ monthly revenue, and start at Prime + 1.
Equipment financing
Finance business equipment purchases with an invoice or quote and lender-dependent eligibility.
Working capital
Cover payroll, inventory, and operating gaps with lender-dependent business, revenue, and credit requirements.
SBA loans
Explore government-backed products, including SBA 504 for eligible fixed assets, subject to SBA rules and lender underwriting.
Invoice factoring
Use eligible business invoices to address cash gaps, with advance terms and collection responsibilities to review.
Purchase order financing
Fund supplier costs for confirmed orders, subject to transaction, supplier, customer, and provider eligibility.
Startup and co-signer paths
Explore lender-dependent options for earlier-stage businesses and eligible co-signers.
Local and Florida programs worth checking first
Check current eligibility and availability directly with each public-program provider.
Palm Beach County Business Loan Program
Private for-profit businesses generally need two years of operations and a 10% cash or equity contribution. Subordinated or gap financing supports eligible property, equipment, and operating needs.
County program eligibility and current termsFlorida SSBCI through Ascendus
Ascendus requires one year in operation, 575+ FICO, fewer than 50 employees, and under $5 million in annual revenue in at least one of the last three fiscal years. Owners with at least 20% ownership must personally guarantee the loan.
Ascendus Florida SSBCI terms and feesHelp from Florida SBDC at FAU
Florida SBDC at FAU provides access-to-capital consulting for Broward and Palm Beach County businesses, helping prepare financial information without lending.
SBA South Florida District and lender search
SBA resources explain government-backed products and connect businesses with participating lenders for eligibility review.
Boca Raton owners we typically help
Examples for illustration.
Restaurant seasonality
Compare working capital for seasonal inventory and payroll against a repayment schedule the business can support.
Explore funding optionsContractor payroll and materials
Consider the gap between paying crews or suppliers and collecting a customer's invoice.
Explore funding optionsMedical equipment
Compare equipment financing and a line of credit for a planned medical or dental equipment purchase.
Explore funding optionsRetail inventory
Evaluate operating funding for stock purchases without assuming a future sales increase will cover repayment.
Explore funding optionsAgency receivables
Review invoice factoring when completed business work remains unpaid and the invoices are eligible.
Explore funding optionsHow it works
- Apply with a soft credit pull only.
- A Pro compares lenders and explains the options.
- Choose whether an offer fits your business.
Review total repayment, payment frequency, lender fees, and any personal guarantee before signing.
Understand business funding rates and costsBoca Raton business checklist before you borrow
Check city Business Tax Receipt, Certificate of Use, and county Business Tax Receipt requirements separately. Keep registrations and financial records current, using city guidance and Boca eHub for renewals.
Boca Raton business funding FAQs
- What credit score do I need for business funding in Boca Raton?
- Pro Capital has a program for every credit score; term loans and lines of credit require 680+ FICO, while other products have lender-dependent requirements.
- Are there special programs or grants for local businesses?
- The listed county and Ascendus Florida SSBCI programs provide loans, not grants; check their eligibility and repayment terms.
- Who qualifies for the Palm Beach County Business Loan Program?
- Private for-profit businesses generally need two years of operations and a 10% cash or equity contribution for subordinated or gap financing; confirm current county requirements.
- Can a startup or business under two years old apply?
- Yes, working-capital, equipment, startup, or co-signer paths depend on lender criteria; Ascendus Florida SSBCI requires at least one year in operation.
- What is Florida SSBCI through Ascendus?
- Ascendus lists 575+ FICO, one year in operation, fewer than 50 employees, and under $5 million in annual revenue in at least one of the last three fiscal years. Owners with 20% or more ownership must personally guarantee the loan; check Ascendus for current program pricing and terms. Check current Ascendus terms
- Should I use a local bank, online lender, or broker?
- Choose based on eligibility, purpose, costs, and timing; a bank or public program may fit, while Pro Capital is a broker that helps compare lenders.
- How fast can business funding happen?
- Timing depends on documentation, lender review, eligibility, and product; SBA-backed financing can involve a longer review. No funding timeline is guaranteed.
- Will I need collateral or a personal guarantee?
- Term loans and lines of credit through Pro Capital are unsecured; a personal guarantee may still be required, and other product or public-program conditions vary.
- What documents should I prepare?
- Prepare bank statements, tax returns, and ID; additional financial statements, equipment quotes, invoices, or projections depend on the product. Business loan requirements
- Can Pro Capital help if a bank declined my application?
- A bank decline does not determine every lender's decision; a Pro can compare other structures against your business profile.
- Does applying affect my credit score?
- Applying uses a soft credit pull only, with no credit score impact; your application and supporting information may be shared with participating lenders.
Sources and review date
Last reviewed October 5, 2026; confirm current terms with the provider.
Talk to a Pro in Boca Raton
Boca Raton, FL · Palm Beach County service area. Monday–Friday, 9 AM–6 PM ET.