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Get beyond money to secure your financial future with TFCU.
Disclaimer: Third party link disclaimer

Linked websites are not under the control of Tropical Financial Credit Union and we are not responsible for the contents of any linked site or any link contained within a linked site. The privacy or security policies at a linked site may be different from those practiced at tropical financial credit union and you should review the privacy policy of any linked site.

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Maximize Your Business Growth

Improve the efficiency of your business by choosing the right commercial loan. Allow Tropical Financial to help you explore the options!

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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
  • Laying the foundation for your business starts here with Tropical Financial

    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
  • Buying the right tools for your business starts here with Tropical Financial

    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

This can include the following:

  • Apartment Buildings
  • Duplexes
  • Large Residential Buildings

Industrial

This can include the following:

  • Warehouses
  • Distribution Centers
  • Manufacturing Buildings

Office

This can include the following:

  • Dental Offices
  • Medical Practices
  • Law Offices

Retail

This can include the following:

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

Featured Rates

3 % APY

30-Year Fixed Rate

$25 minimum deposit
Quarterly dividend payments.

3 % APY

30-Year Fixed Rate

$25 minimum deposit
Quarterly dividend payments.

3 % APY

30-Year Fixed Rate

$25 minimum deposit
Quarterly dividend payments.

3 % APY

30-Year Fixed Rate

$25 minimum deposit
Quarterly dividend payments.

View All Rates

Florida Small Business Savings Account

Grow your small business in Florida with a credit union savings account. We help make saving money easy with three different business saving account options.

APPLY FOR A BUSINESS CERTIFICATE OF DEPOSIT

Mid-Money-Market

Business Money Market

Enjoy quick access to your money with a higher savings interest rate when you maintain a minimum account balance.
Mid-Business-Savings

Business Savings Account

Enjoy an interest-bearing account that provides maximum deposit flexibility and no minimum balance requirements.
Mid-CD

Certificate of Deposit

Set aside money for a future expenditure while ensuring a guaranteed higher return on your investment with as little as $500.

Benefits of Getting a Small Business Loan With Tropical Financial

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
Businessman shaking hands with a colleague in the office

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.

Are You Ready to Partner... Commercial Lending Footer Banner
How We Are

Helping Others Feel Good About Banking

No appointment needed. In less than an hour I was able to open a business account and get a car credit loan. Kimberly was phenomenal and sweet.

Yenifer
West Palm Beach, FL

After being a member for a number of years, I can say PROUDLY that I support this entire branch in Fort Lauderdale. From my Personal, Business and Auto Loan(s)-- this branch certainly delivers the service! The staff, the location and the upper tier service that they provide is wonderful and I have encouraged others to come along and join as well.

Michael
Ft Lauderdale, FL

I had the pleasure of meeting Heiley, Member Service Representative. She is very knowledgeable, attentive and answered all questions I had. I felt very comfortable in opening a Business account with Tropical Financial!

Santos
West Palm Beach, FL

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.

THIRD PARTY LINK DISCLAIMER

LINKED WEBSITES ARE NOT UNDER THE CONTROL OF TROPICAL FINANCIAL CREDIT UNION AND WE ARE NOT RESPONSIBLE FOR THE CONTENTS OF ANY LINKED SITE OR ANY LINK CONTAINED WITHIN A LINKED SITE. THE PRIVACY OR SECURITY POLICIES AT A LINKED SITE MAY BE DIFFERENT FROM THOSE PRACTICED AT TROPICAL FINANCIAL CREDIT UNION AND YOU SHOULD REVIEW THE PRIVACY POLICY OF ANY LINKED SITE.