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Unlock Your Business's Full Potential

Tropical Financial is passionate about supporting local businesses. We have the resources to help your business grow.

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Set Your Business Up For Success At Tropical Financial

Just like your financial partner, your financial products should be smart, reliable and efficient. At Tropical Financial, we have devoted more than 90 years to supporting our community of businesses. Members can take advantage of fast, local decision-making and processing, a range of account and loan options specifically suited to your business requirements, and solutions to support your growing Florida business.

Business Checking

Running a business is time-consuming, so we streamlined the process for you. Simple, straightforward and hard-working, our Business Checking accounts are ready to help your business be done your way. 

Choose between two of our business checking options that best aligns with your unique business needs and goals - all without the fine print.

Business Checking
Business Savings

Business Savings

Make your money work for you. Use our smart savings options where your extra funds can earn interest to help organizations just like yours expand and prosper - keeping you financially flexible.

Choose from a range of dividend-earning choices, such as money market savings accounts and certificates, to increase the growth of your investments.

Business and Commercial Lending

Expand your business in the area you have always wanted. We provide loans that are specifically designed to meet your business goals, whether you want to grow, buy a new property, or start a unique venture.

Commercial Lending
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Empower Your Employees By Becoming A Partner Company

Partnering with Tropical Financial is a great way to enhance your employee benefits package at no cost. Dozens of companies from throughout West Palm Beach, Broward, and Miami-Dade are bringing these benefits to their employees right now. Research indicates that workers who are financially stable are more efficient. Furthermore, a lot of working individuals like the simplicity, affordability, and cost-effectiveness that accompany credit union membership.

Tropical Financial gives your employees access to the types of financial support and services they care about, including:

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Benefits of Small Business Banking With A Credit Union

At Tropical Financial, we strive to make business banking simple. Our business checking accounts gives you immediate access to your businesses funds without having to involve your personal accounts. Whether that’s through a small business loan or business checking account we offer many options to help support your business needs.

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Commercial Real Estate Mortgage Loan Rates

Making a good investment is our goal for you, compare our commercial real estate and property loan rates and calculate what the ideal loan type is best for your business needs. Tropical offers competitive, customized rates. Request a call back for today's rates. 

Getting A Business Loan Should Not Feel Overwhelming


No Application Fees


No re-payment penalties


Local lenders making local decisions


No tangible tax on real estate closings


15-year terms with a 25 amortization schedule


Owner occupied and non-owner occupied loans available

Benefits of Merchant Services

    • Who Is Merchant Services?

      Merchant Processing Solutions is a local full-service, full-disclosure National Bankcard Processing Company. We offer personalized solutions for almost every major type of business. Knowing our merchants in person and understanding their business wants and needs helps them grow. Since our inception we focused on providing traditional and innovative merchant services to ensure the success of South Florida Businesses. We pride ourselves on our long-term relationships with our partner merchants and our business community.

    • Do We Do Business With Merchant Services?

      We have partnered with Merchant Processing Solutions to provide you assistance with easy-to-use solutions to help boost your sales. Increase your bottom line with point-of-sale solutions to allow your business to accept credit cards or electronic check conversion systems to save you time and reduce fraud.

    • Why Choose MPS?
      • No Contracts

      • No Contract or Cancellation Fees

      • No Surcharge/Convenience/Service Fees

      • Remote Check Capture & Deposit

      • QuickBooks Plug In

      • Next Day Funding

      • 24/7/365 Merchant Support

      • Local Company with National Reach

      • Experience, Reliability & Integrity

    • What Industries Are Serviced?
      • Restaurants

      • Retail Solutions

      • Healthcare Professions

      • Professional Services

      • Websites & APPS

      • Non-Profit Organizations

      • Hospitality

      • Beauty Industry

      • Car Dealerships

      • Auto Services

      • Fleet & Transportation

    • For More Information

      For more information visit our website: www.ProcessMPS.com
      How may we help you? Contact Us!

      Creating Relationships Not Just Transactions!


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**All loans are subject to approval based on creditworthiness, collateral approval, and other factors. Other restrictions may apply. Rates and Offers may change or be removed at any time without notice. All home lending products are subject to credit and property approval. Rates, program terms, and conditions are subject to change without notice. Not all products are available for all amounts. Other restrictions and limitations apply.