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Simple business loans that support your growth

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Commercial Real Estate

Our purpose-built loans are ideal for businesses buying, renovating, or refinancing new properties. Building a bigger business starts here with Tropical Financial.

  • Flexible payment terms
  • Conventional or Small Business Administration (SBA) financing
  • Purchase and refinance options available
  • Investment real-estate loans available

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Business Lines of Credit

Our commercial lending group offers flexible lending solutions, where you can achieve greater cash flow, enhance working capital and support business growth - Tropical Financial helps you.

  • Use what you need when you need it - with no prepayment penalties
  • Flexible maturity options
  • Multiple ways to access

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Equipment Loans

Flexible, customized loan solutions for a wide range of equipment needs to business types, from small requests to larger complex business transactions.

  • Equipment loans starting at $50,000
  • Finance multiple pieces of equipment on one contract
  • Various types of equipment acceptable
  • Competitive interest rates

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Commercial Loan Properties in Florida

TFCU supports commercial real estate loans to a variety of property types in Florida. Determining which type of investment property best suits your business needs can help when it comes to the commercial real estate loan process. Check out the type of owner-occupied and investment properties our members have invested in:

Multi-Family ICON (500x500)


This can include the following:

  • Apartment Buildings
  • Duplexes
  • Large Residential Buildings
Industrial ICON (500x500)


This can include the following:

  • Warehouses
  • Distribution Centers
  • Manufacturing Buildings
Office Buidling ICON (500x500)


This can include the following:

  • Dental Offices
  • Medical Practices
  • Law Offices
Retail Buidling ICON (500x500)


This can include the following:

  • Storefronts
  • Shopping Plazas
  • Franchise Locations
Commercial Real Estate Mortgage Loan Rates Banner


No Application Fees ICON
15-year terms ICON
No-Prepayment Penalties ICON
Local Lenders Making Local Decisions ICON
No Intangible Taxes ICON
Owner and non-owner occupied loans ICON
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Selecting a financial institution for business banking is an important decision. With over 85 years of providing our community and members savings, we provide commercial loan options for various purposes.

Get specialized business solutions and knowledgeable support from our dedicated team of experts. As a credit union, we put our members first. We provide significant savings and better terms, low fees, and competitive rates to help you save money and reinvest it in expanding your business.

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Credit Union Commercial Real Estate & Business Loan FAQs

What documents should I prepare when applying for a Florida commercial real estate loan?

Credit union commercial real estate loans are a big investment, which is why the proper documentation is required when applying. Here are some documents recommended to have prepared ahead of time in order to expedite the process.  

  • Personal Financial Statement
  • Business Debt Schedule
  • Past 3 years Business and Personal Tax Returns
  • Current year Business Financial Statements
  • Property Specific Income/Expense Information
  • Past Appraisals, or Environmental Reports
What areas of Florida are business loans available from Tropical Financial?

To become a member is easy, you must live or work in one of the following Florida counties: 

  • Miami-Dade

  • Broward

  • Palm Beach

  • St. Lucie

  • Martin

  • Hendry

  • Collier

  • Lee

  • Sarasota

Do I have to be a member to apply for TFCU business products?
You do not have to be a member to apply for any TFCU business product. However, membership is required before loans can be funded and at the time of account opening for business checking accounts.