# Small Business Loans in Florida

> Florida is one of the fastest-growing states in the country, with a business climate built on tourism, trade, agriculture, healthcare, and a booming construction sector. Hoss Capital matches Florida business owners with funding partners that lend across the state, from Jacksonville, Miami, and Tampa to Orlando and the Gulf Coast.

## Key takeaways
- Florida's Commercial Financing Disclosure Law requires written cost and term disclosures on commercial financing of $500,000 or less for transactions on or after January 1, 2024, and bars brokers from charging most advance fees.
- The state does not require providers or brokers to register, and the Attorney General has exclusive enforcement authority.
- Florida's no-income-tax, high-growth economy runs on tourism, construction, healthcare, and trade, served by North Florida and South Florida SBA district offices.

## Funding the Florida economy

Florida runs on movement — tourists, goods, and new residents. With no state
personal income tax and one of the fastest-growing populations in the nation,
the state is a magnet for new businesses, from beachfront restaurants and
hotels to home builders, logistics firms, and medical practices. That growth
creates near-constant demand for capital to staff up for season, buy equipment,
take on bigger projects, and smooth out cash flow between paydays.

### Industries we fund across Florida

- **Tourism & hospitality** — working capital for restaurants, hotels, and
  attractions in Orlando, Miami, and across the Gulf and Atlantic coasts.
- **Construction & real estate** — lines of credit and equipment loans to
  manage labor and material costs in fast-growing metros.
- **Healthcare** — practice financing and build-outs across Tampa Bay,
  Jacksonville, and South Florida.
- **Trade & logistics** — invoice factoring and equipment financing tied to
  PortMiami, Port Everglades, and JAXPORT.
- **Agriculture** — working capital for growers and ag-services businesses in
  central and south Florida.
- **Aviation & aerospace** — financing for suppliers along the Space Coast and
  around Florida's major airports.

### What the Florida disclosure law means for you

If you're considering a merchant cash advance or other commercial financing in
Florida, providers must give you a clear written disclosure of the cost and
terms for transactions of $500,000 or less, and brokers can't charge you most
up-front fees just to shop your deal. Florida doesn't require lenders to register
with the state, so vetting your funding partner matters. Hoss Capital only works
with partners who operate transparently.

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Canonical: https://hoss-capital.pages.dev/locations/florida/

Sources:
- https://www.flsenate.gov/Laws/Statutes/2023/0559.9612
- https://www.flsenate.gov/Laws/Statutes/2023/0559.9614
- https://www.flsenate.gov/Laws/Statutes/2023/0559.9615
- https://www.leg.state.fl.us/Statutes/index.cfm?App_mode=Display_Statute&Search_String=&URL=0500-0599%2F0559%2FSections%2F0559.9613.html
- https://www.flsenate.gov/Session/Bill/2023/1353/Analyses/h1353z1.IBS.PDF
- https://www.sba.gov/district/north-florida
- https://www.sba.gov/district/south-florida