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Florida Business Checking and Loans

How can we help you feel good about growing your business?
REQUEST A CALL WITH A SMALL BUSINESS EXPERT
Or you can call us at (888) 261-8328.

Getting a Business Loan Should Not Feel Overwhelming

That's because we are here to help you get the business loan you need while you stay focused on growing your business.

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Mastercard® Business Rewards

When you make the purchases you need to grow your business, you will earn points you can redeem for gift cards, travel, technology, and merchandise while also enjoying many other travel benefits and discounts.

image - TFCU offer business lines of credit

Business Lines of Credit

A line of credit gives you immediate access to $10,000 up to $100,000 unsecured, or up to $250,000 secured, and can be used anytime for anything from everyday expenses to investing in a new growth opportunity.

image- TFCU offers business term loans

Business Term Loans

This is probably the most common type of business loan where you borrow a lump sum of money, typically for a specific purchase you’re making for your business, and then pay the loan back over a set term at a fixed interest rate.
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Commercial Real Estate

You don't have to go it alone as our trusted commercial loan experts will help you secure a loan, available from $25,000 up to $2,000,000, for a new property purchase or refinance opportunity 

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Company Vehicle Loans

We can help you get your business on the road with competitive rates for new and used commercial vehicles loans up to $100,000 and flexible repayment terms from 36 to 78 months.

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Equipment Loans

We can help you purchase the equipment or large commercial vehicles you need to grow your business with a competitive fixed rate loan from $5,000 up to $1,000,000 (Secured) and flexible repayment terms up to 60 months.

 

Do you need help getting a loan to grow your business?

Request a call with a Small Business Growth Expert.

Compare and Pick the Best Florida Business Checking Account

Select Business Checking
Recommended for small to moderate size businesses

This account features a low monthly service fee of just $5, but the fee can be avoided by maintaining just one of the following requirements:

Maintaining an average monthly balance of $5,000 or
If you have business loan(s) with an outstanding balance of $50,000 or greater (credit cards excluded).

No per item fees or fee for cash deposits 

Free Online/Mobile banking & Bill Pay 

Minimum deposit of just $100 to open your account 

See Schedule of Fees for details.



 

Premium Business Checking
Recommended for high volume businesses

Monthly service fee of $10 but the fee can be avoided by maintaining just one of the following requirements:

Maintaining an average monthly balance of $10,000 or
If you have business loan(s) with an outstanding balance of $50,000 or greater (credit cards excluded).

Add up to two additional checking accounts at no additional monthly service fee

No per item fees or fee for cash deposits

Free Online/Mobile banking & Bill Pay

Minimum deposit of just $100 to open your account  

Discounted fees. See Schedule of Fees for details.



Interest Business Checking
Recommended for small volume businesses looking to earn interest

Low monthly service fee of $15

Interest based on maintaining an average minimum daily balance in your account to obtain the Annual Percentage Yield. Click to see current rates.

No per item fees or fee for cash deposits

Free Online/Mobile banking & Bill Pay

Minimum deposit of just $100 to open your account

Discounted fees. See Schedule of Fees for details.

 

 



Saving Money for the Future Should Not Feel Impossible

We help make saving money easy with three different business saving account options.

image - TFCU offers business money market accounts

Business Money Market

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

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Business Savings Account

Enjoy an interest-bearing account that provides maximum deposit flexibility and no minimum balance requirements. 
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Certificate of Deposit

Set aside money for a future expenditure while ensuring a guaranteed higher return on your investment with as little as $500.
APPLY FOR A BUSINESS CERTIFICATE OF DEPOSIT

Maximize Your Business Growth

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Online Banking

Get quick, simple, and secure access to check your account balances, review past transactions, transfer funds between accounts, and pay your bills.

image - TFCU offers your employee benefits

Employee Benefits

Maximize your employee benefit package to enhance recruitment and retention by offering Tropical Financial membership to employees.

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Merchant Services

Grow your business with a point-of-sale solution to accept credit cards or save time and reduce fraud with an electronic check conversion system.


BENEFITS OF MERCHANT SERVICES


We know how hard you work to grow your business.  That’s why we have partnered with TSYS to provide you 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.

Services include:
  • Credit, Debit and EBT card acceptance
  • Special rates for TFCU business members with no hidden fees
  • Next-day funding available
  • 24/7 U.S.- based representatives to offer support
  • Card acceptance ready within 48 hours upon approval
  • Free online statements



TSYS logo

“Customer Service is the main reason we love Tropical and why we recommend TFCU to all our employees, because we know they’re going to have a great experience!”

Gary - DAS Group
Member since 2014
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Schedule a time to Talk with a Small Business Growth Expert

Head shot of Senior Commerical Loan Officer, Frank GalloFrank Gallo Senior Commercial Loan Officer

Frank has helped South Florida small businesses grow for over the past 12 years as he openly shares his expertise in business banking and commercial lending.

Who are you?