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Maximize the opportunity for your business growth with a commercial business loan in Florida. Improve the efficiency of your business by purchasing the commercial property or real estate it needs. Commercial real estate loans also allow you to leverage equity to expand or remodel all while your business expands.




Get in touch with one of our experts to learn about how a credit union commercial real estate loan can help you. Inquire about the commercial real estate loan process, get pre-qualified and find the commercial property that fits your business needs.

Frank Gallo
Sr. Commercial Lending Officer
Serving local businesses in Broward, Palm Beach and Martin County area.
Robert Bonnet
Commercial Lending Officer 
Serving local businesses in Broward and Miami-Dade County area. 

We're Here To Help

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 properties our members have invested in:


This can include:

  • apartment buildings
  • duplex
  • large residential buildings

This can include:

  • warehouses
  • distribution centers 
  • manufacturing buildings

This can include:

  • dental
  • medical
  • law offices

This can include:

  • storefronts
  • shopping plaza 
  • franchise locations

Do you know where you want to purchase a commercial loan property in Florida? Our commercial and real estate loans are supported in the following regions: Miami Dade County, Broward County, Palm Beach County, Lucie County and Martin County. 

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. 

Request a call with a Business Loan Expert

Getting a Business Loan Should Not Feel Overwhelming

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No Application Fees

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No tangible tax on real estate closings
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No re-payment penalties

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15-year terms with a 25 amortization schedule


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Local lenders making local decisions
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Up to 85% financing on conventional owner-occupied loans


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Owner occupied and non-owner occupied loans available 


TFCU Business Loans, Services & Business Checking Accounts

TFCU wants to help grow your business. Whether that’s through a small business loan or business checking account we offer many options to help support your business needs.

Debt Consolidation

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.

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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.

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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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.

TFCU Business Checking

Business Checking Accounts

A business checking account gives you immediate access to your businesses funds without having to involve your personal accounts. Easily make day to day purchases for your business while building the credit union relationship. Members have the option to compare and choose between our Select, Premium or Interest business checking accounts.

Compare and Pick the Best Florida Business Checking Account

Select Business Checking
Recommended for small business with limited transactions

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 business owners who may need multiple checking accounts

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.



I Want to Open a Business Checking or Savings Account


We know how hard you work to grow your business.  That’s why 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.
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.

Merchant Industry Solutions

• Restaurants
• Retail Solutions
• Healthcare Professions
• Professional Services
• Websites & APPS
• Non-Profit Organizations
• Hospitality
• Beauty Industry
• Car Dealerships
• Auto Services
• Fleet & Transportation
• Travel & Entertainment

Why Choose MPS? 

• MPS Pricing Model
• No Contract or Cancellation Fees
• Full Disclosure of Rates & Fees
• Next Day Funding
• 24/7/365 Merchant Support
• Personalized Solutions
• State of the Art Technology
• Local Company with National Reach
• Experience & Reliability


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

Creating Relationships Not Just Transactions!


Saving money for the future should not feel impossible.
We help make saving money easy with three different business saving account options.

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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.
Credit Union Commercial Real Estate & Business Loan FAQs

Can I apply for a business checking account or commercial real estate loan online?

No. To better serve you for our business accounts and commercial real estate loans, a Tropical team member will guide you through the account open and/or application process.

What are the loan amounts for TFCU business and commercial real estate loans?
  • Commercial real estate loans max $3,000,000
  • Equipment loans max $1,000,000.00
  • Business loans min $50,000 / max $100,000.00 
How long does it take to fund business loans/commercial real estate from TFCU?  

Each business lending product is different as well as every member’s scenario. The time it takes close can be different for everyone, however below are the typical time frames TFCU aims for.

  • Business loans/ BLOC- under 30-days
  • Equipment loans- under 30-days
  • Commercial real estate loans- under 45-days
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.

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
Why Should I Invest in Florida Commercial Property?

Investing in a Florida commercial loan property can add many benefits both personally and professionally. Here are common reasons why members have chosen a credit union commercial real estate loan.

  • Property acquisition
  • Improved cash flow
  • Investment portfolio diversification
  • Retirement income
  • Less volatile investment


TFCU membership required with $5.00 minimum in business deposit account. All commercial loans are subject to credit approval. Must reside in a state within TFCU lending area. Maximum loan to value (LTV) based on purchase cost or appraised value, whichever is less.