SBA 7(a) & 504 Financing

Small business loans for real estate, acquisition, and expansion.

SBA loans open financing to Florida small businesses that might not qualify conventionally. The two workhorse programs — SBA 7(a) and SBA 504 — cover most owner-occupied CRE, equipment, working capital, and acquisition needs.

SBA 7(a) offers up to $5M with flexible use of proceeds. SBA 504 is purpose-built for owner-occupied CRE and heavy equipment, with just 10% equity injection and long-term fixed rates on the 504 portion.

Available to qualified Florida borrowers statewide — including Tampa, St. Petersburg, Orlando, Miami, Fort Lauderdale, Jacksonville, Naples, Fort Myers, Sarasota, Gainesville, Tallahassee, and the Panhandle.

Serving all of Florida Licensed NMLS #627790 Mon–Sat, 8am–5pm EST (727) 336-0680

Highlights

7(a) flexibility

Real estate, acquisition, working capital, refinance — all under one program.

504 for CRE

10% down, 20–25 year fixed rate on the SBA portion.

Preferred lender network

We work with SBA Preferred Lenders (PLP) who close faster.

Apply Now

Download the Commercial Loan Application

Download the application, complete and sign it, then email the finished PDF back to Peter Witte to get your file underway.

1. Download
Save the fillable PDF application to your device.
2. Complete
Fill it out and sign — include any requested supporting documents.
3. Email it back
Send the completed application to pwitte@360us.org.

Apply Now — Download Application Email completed application

Email your completed application to pwitte@360us.org. Do not send Social Security numbers or bank credentials over unsecured email — Peter will provide a secure upload link if needed.

How it works

Our four-step process

A clear, transparent path from first conversation to closing — designed to save you time and remove surprises.

1. Free discovery call

Share your goals, timeline, and situation. Peter listens first — no pressure, no cookie-cutter pitch.

2. Program shopping

We compare programs across our lender and carrier network to identify the best fit for your scenario.

3. Application & underwriting

Clean document intake, straight talk on conditions, and proactive updates so nothing stalls.

4. Close & follow-through

We coordinate closing, then stay available for future refinances, renewals, and referrals.

Why Florida clients choose Witte Mortgage

Independent Florida broker

Not tied to one bank or carrier — we shop the market so your interests come first.

Direct access to Peter

You work with a licensed professional (NMLS #627790), not a call center rep.

Statewide Florida coverage

Tampa Bay to Miami, Jacksonville to the Panhandle — we know local markets.

Transparent, honest quotes

Clear breakdowns of rate, fees, and total cost — no bait-and-switch.

Fast, responsive service

Same-day replies during business hours and evening/weekend flexibility.

Long-term relationship

Most of our business comes from repeat clients and referrals — we play the long game.

FAQs

Frequently asked questions

7(a) or 504 — which do I need?+

504 is best for owner-occupied CRE and heavy equipment; 7(a) is more flexible for mixed-use of proceeds. We help you decide.

How long does SBA take?+

60–90 days for most deals; simpler 7(a) files can move faster with PLP lenders.

Commercial Lending

Related commercial lending programs

Explore other programs in this category — many clients combine or compare options before deciding.