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Loans & Lines of Credit


Businesses today are fast paced, and need a
Bank that can focus and keep up.


At Bank of Central Florida we promise:

Quick Reviews
Quick Reviews

Be ready to move forward in your business with quick reviews.

Quick Decisions
Quick Decisions

No need to wait for weeks, our team will get to a decision to get your business on the move.

Quick Responses
Quick Responses

Don't sit in silence with uncertainty about progress. Our team will communicate with you and be clear throughout the process.

Solid start

Client Story:

Longtime client Solid Start adheres to this philosophy coined by its founder: “Truth is not just a way of business – it’s a way of life.” Company owners Amber Kossak and Crystal Mathews seek transparency and simplicity. When they opened Solid Start in 2010, they looked for a bank that held the same values – and they found Bank of Central Florida.

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Choose the Loan That’s Right for you

Commercial Mortgages

Commercial real estate loans allow you to purchase, build, renovate or expand both owner-occupied and non-owner occupied properties. Our fixed and floating rate loans allow for either short-term or long-term financing options.

Construction Loans

If you are a builder, developer or investor, we understand the complex nature of this business. We offer both commercial and residential construction financing to fit your project needs. Financing options are also available for conversion to permanent financing upon completion of construction.

Term Loans

Obtain a term loan to purchase equipment, for leasehold improvements or business acquisitions. These loans, either fixed or variable rate, allow you to run your business more efficiently.

Revolving Lines of Credit

Obtain a working capital line of credit to serve as your company's primary source of credit for daily cash flow needs. We recognize that your company needs the ability to take advantage of trade discounts, expedite inventory purchases and manage cash flow effectively. A line of credit provides your company with available resources to make those financial decisions.

Equipment Financing

In today's world of increasing technology, efficiency is critical. The need to upgrade equipment to improve the efficiency and profitability of your company is perpetual. We understand that need and can meet your objectives with a variety of fixed and variable rate term loans.

Specialty Practice Loans for Professionals

At Bank of Central Florida, we understand the complexities of a professional practice and can tailor a lending solution toward your goals.

Letters of Credit

Occasionally a vendor for your business may require a letter of credit to guarantee payment or create a security deposit for items such as utilities. A letter of credit can be used to conserve cash ordinarily used for security deposits. The letter of credit is subject to fee-based pricing and is secured by a certificate of deposit, cash or marketable securities.


Small Business Administration loans are government-backed loans that allow entrepreneurs to get funding. Lower down payment options and longer repayment terms give small businesses what they need to succeed.


What is a SBA 7a loan?

  • Purchase real estate
  • Purchase a business or buy out a partner
  • Obtain short- and long-term working capital
  • Refinance current business debt
  • Purchase furniture, fixtures, and equipment

What is a SBA 504 loan?

  • Purchase existing buildings or land
  • Construct new facilities
  • Purchase long-term machinery and equipment
  • Refinance debt associated with long-term assets



All loans are subject to normal credit approval procedures and credit standards.


Need Help Picking the Right Loan?

Contact Us