- All tenant improvements, FF&E, soft costs and working capital needs were included in loan budget
- 90% financing of total project costs
- Referred to Meridian by customer’s attorney who had successfully worked with our SBA team previously
SBA Lending in Tampa, FL
At Meridian, we are proud to be a trusted partner for small business owners seeking Tampa SBA loans and Tampa SBA lending solutions. Our team of lending experts has provided SBA 7(a) and 504 loans to thousands of entrepreneurs nationwide, helping companies secure the capital they need to grow, modernize, and thrive.
Whether you are expanding into a new location, purchasing equipment, or refinancing existing debt, we deliver bespoke financing, reliable experience, and a quick closing process tailored to your goals.
What Are SBA Loans?
SBA loans are business loans that are partially guaranteed by the U.S. Small Business Administration. These loans are offered through approved lenders like Meridian to help small businesses secure financing with more favorable terms.
Whether you’re just starting out or planning to expand, an SBA loan may provide the funding you need to take the next step confidently.
Loans for a Tampa Small Business
SBA loans offer several potential advantages for eligible businesses, including:
Each loan is tailored to the specific needs of the business, and our team works with you to help determine which loan option fits best.
Small Business Lending with Meridian Bank
Meridian is an experienced SBA lender with a track record of supporting local businesses. Our team understands the application process, documentation requirements, and timelines—so you don’t have to navigate it alone.
We’re committed to helping businesses in Tampa make informed decisions and move forward with confidence.
Here’s what you can expect when you work with us:
- Dedicated SBA lending specialists
- Clear, step-by-step support
- Transparent communication
- Resources to help you prepare and apply
Whether you’re applying for the first time or exploring new funding options, we’re here to help.
2020
U.S. Small Business Administration (SBA)
Meridian Bank Named a Top 50 SBA Lender in the Nation
2020
Philadelphia Business Journal
Meridian Bank Named a Top 5 SBA Lender in the Philadelphia, PA Region
U.S. Small Business Administration (SBA)
Let’s Discuss Your Loan Options
Common Uses for SBA Loans
SBA loans can support a wide range of business needs, including:
- Purchase, refinance, construct or renovate owner-occupied commercial real estate
- Purchase a business or transition ownership
- Refinance debt
- Purchase machinery and equipment
- Finance inventory, accounts receivable and provide working capital
Our successful process has earned us Preferred Lender status by the SBA, so our experienced lenders will keep your business moving forward with quick decisions and trusted counsel.
Who May Qualify for SBA Loans in Tampa?
Eligibility for SBA loans depends on several factors, such as business size, creditworthiness, use of funds, and more. In general, applicants must:
- Operate a for-profit business located in the United States
- Meet SBA size standards
- Have invested equity in the business
- Show a need for the loan and ability to repay it
You do not need to be a long-established business to apply. We review each application individually to provide guidance based on your goals and business model.
SBA Loan Programs Offered in Tampa
Meridian Bank provides access to several SBA loan programs, each designed to meet different types of business goals:
- Up to $5 million
- Finance the start-up of a franchise: purchase, renovate, construct and refinance
- Loan amounts from $350,000 to $5 Million
- Loan terms from 7 to 25 years
- Highly competitive rates and fees
- Learn More
- Loan amounts from $50,000 to $500,000
- Loan terms up to 7 years
- Great option for small businesses who need financing decisions quickly
- Loan can also be used as a revolving line of credit
- Loan amounts up to $500,000
- Line of credit or term loan
- Designed specifically for exporters with at least 1 year in business
- Loan amounts from $5 million
- Designed for larger exporters in need of working capital to support sales
- Loan amounts from $350,000 to $5,000,000
- Loan terms from 7 to 25 years
- Loan can be used to fund working capital, equipment and/or real estate to support growing export sales and international trade
- Supports small businesses to meet their short term working capital needs.
- Businesses must have been operating for at least one year. The CAPLine program features multiple lines of credit for specific uses:
- Working CAPLine: Secured by your receivables and inventory
- Contract CAPLine: Finances up to 100% of labor and material costs to fulfill a specific contract
- Seasonal CAPLine: Finances seasonal increases of inventory or increased labor costs
- For real estate acquisition or expansion; working capital; purchase of business, machinery, equipment, furniture and/or fixtures
- Up to $10 million
- Up to 90% financing
- Up to 30 years fully amortized for real estate
- Up to 15 years fully amortized for equipment
- Owner-user occupied real estate
Recent Deals
New Franchise Location
Pittsburgh
$2,400,000 SBA 7(a) loan to provide funds to open a new Museum of Illusions franchise location
Multiple-location Toy Store
Delaware Beaches
$750,000 SBA 7(a) loan to refinance business debts and purchase new inventory
Provided significant cash flow and interest cost savings on refinance
Line of credit also provided for long-term working capital needs
Collaboration across Meridian teams delivered the optimal financing solution for the store’s needs
Generator Distributor / Installer
$1,700,000 SBA 7(a) loan to buy business via asset purchase
- 90% financing of total budget including closing costs and working capital
- Line of credit also provided for long-term working capital needs
- Referred to Meridian by M&A intermediary who had the sale listing
Medical Equipment Supplier
West Chester, PA
$1,130,000 SBA 7(a) loan to purchase commercial real estate
- Allowed the customer to trade their lease for a mortgage
- Closing costs and working capital included in loan budget
- Referred to Meridian by customer’s real estate broker
Ecosystem Restoration Company
Southwest Florida
$4,800,000 SBA 7(a) loan for an existing key employee to purchase the business
- 85% financing of total project costs
- SBA express line of credit also provided for ongoing working capital needs
- Referred to Meridian by sell-side M&A intermediary
Full-Service Medical Spa
Media, PA
$1,700,000 SBA 7(a) loan for commercial real estate purchase and renovations
- Property improvements and closing costs included in loan budget
- Referred to Meridian by local loan advisor and intermediary
- 90% financing with a fully amortizing 25-year term
Electrical Contractors
South Jersey
$1,000,000 SBA 7(a) loan to purchase remaining shares of company (partner buy-out)
- Closing costs and additional working capital included in loan budget
- 100% financing of total project costs
- SBA express line of credit also provided for ongoing working capital needs
Glass Manufacturer
South Jersey
$1,150,000 SBA 7(a) Loan and $200,000 Line of Credit
- Business acquisition of local competitor
- Current Meridian customer who used SBA financing for strategic growth purchase
- 90% loan to total project costs with full 10-year term and amortization
Childcare Center
Allentown, PA
$675,000 SBA 7(a) Loan
- Commercial real estate purchase and business acquisition of facility nearby their current location
- Referred to Meridian by their commercial realtor
- 90% loan to total project costs with full 25-year term and amortization
Private Practice Attorney
Philadelphia, PA
$950,000 SBA 7(a) Loan
- Commercial real estate purchase of existing leased location
- PPP customer who switched to Meridian from a large national bank
- 95% loan to total project costs with full 25-year term and amortization
Dance Academy
Hershey, PA
$855,000 SBA 7(a) Loan
- Commercial real estate and business purchase
- Referred to Meridian by seller’s wealth advisor
- 90% loan to full project costs with full 25-year term and amortization
Restaurant & Caterer
Maryland
$4,990,000 SBA 7(a) Loan
- Commercial real estate purchase of existing leased location
- Refinanced current business debts
- 95% LTV with full 25-year term and amortization
Biotech Company
Delaware County, PA
$1,350,000 SBA 7(a) Loan
- Commercial real estate acquisition, property improvements and equipment purchases
- Referred to Meridian by commercial real estate broker
- 90% loan to full project costs with full 25-year term and amortization
Music School Franchise
Princeton, NJ
$725,000 SBA 7(a) Loan
- Commercial real estate purchase
- 95% loan to gross project costs financed
- Meridian also provided an SBA Express Line of Credit to help manage operational cash flow
Manufacturing Co
Telford, PA
$1,180,000 SBA 7(a) Loan
- Business acquisition and commercial real estate purchase
- 90% loan to gross project costs financed
- Meridian also provided an SBA Express Line of Credit to help manage operational cash flow
Financial Planner
Plymouth Meeting, PA
$950,000 SBA 7(a) Loan
- Commercial real estate purchase and construction financing to purchase and improve a historic office building
- 95% loan to gross project costs financed
- Meridian also provided an SBA Express Line of Credit to help manage operational cash flow
New Franchise Location
Pittsburgh
$2,400,000 SBA 7(a) loan to provide funds to open a new Museum of Illusions franchise location
- All tenant improvements, FF&E, soft costs and working capital needs were included in loan budget
- 90% financing of total project costs
- Referred to Meridian by customer’s attorney who had successfully worked with our SBA team previously
Multiple-location Toy Store
Delaware Beaches
$750,000 SBA 7(a) loan to refinance business debts and purchase new inventory
Provided significant cash flow and interest cost savings on refinance
Line of credit also provided for long-term working capital needs
Collaboration across Meridian teams delivered the optimal financing solution for the store’s needs
Generator Distributor / Installer
$1,700,000 SBA 7(a) loan to buy business via asset purchase
- 90% financing of total budget including closing costs and working capital
- Line of credit also provided for long-term working capital needs
- Referred to Meridian by M&A intermediary who had the sale listing
Medical Equipment Supplier
West Chester, PA
$1,130,000 SBA 7(a) loan to purchase commercial real estate
- Allowed the customer to trade their lease for a mortgage
- Closing costs and working capital included in loan budget
- Referred to Meridian by customer’s real estate broker
Ecosystem Restoration Company
Southwest Florida
$4,800,000 SBA 7(a) loan for an existing key employee to purchase the business
- 85% financing of total project costs
- SBA express line of credit also provided for ongoing working capital needs
- Referred to Meridian by sell-side M&A intermediary
Full-Service Medical Spa
Media, PA
$1,700,000 SBA 7(a) loan for commercial real estate purchase and renovations
- Property improvements and closing costs included in loan budget
- Referred to Meridian by local loan advisor and intermediary
- 90% financing with a fully amortizing 25-year term
Electrical Contractors
South Jersey
$1,000,000 SBA 7(a) loan to purchase remaining shares of company (partner buy-out)
- Closing costs and additional working capital included in loan budget
- 100% financing of total project costs
- SBA express line of credit also provided for ongoing working capital needs
Glass Manufacturer
South Jersey
$1,150,000 SBA 7(a) Loan and $200,000 Line of Credit
- Business acquisition of local competitor
- Current Meridian customer who used SBA financing for strategic growth purchase
- 90% loan to total project costs with full 10-year term and amortization
Childcare Center
Allentown, PA
$675,000 SBA 7(a) Loan
- Commercial real estate purchase and business acquisition of facility nearby their current location
- Referred to Meridian by their commercial realtor
- 90% loan to total project costs with full 25-year term and amortization
Private Practice Attorney
Philadelphia, PA
$950,000 SBA 7(a) Loan
- Commercial real estate purchase of existing leased location
- PPP customer who switched to Meridian from a large national bank
- 95% loan to total project costs with full 25-year term and amortization
Dance Academy
Hershey, PA
$855,000 SBA 7(a) Loan
- Commercial real estate and business purchase
- Referred to Meridian by seller’s wealth advisor
- 90% loan to full project costs with full 25-year term and amortization
Restaurant & Caterer
Maryland
$4,990,000 SBA 7(a) Loan
- Commercial real estate purchase of existing leased location
- Refinanced current business debts
- 95% LTV with full 25-year term and amortization
Biotech Company
Delaware County, PA
$1,350,000 SBA 7(a) Loan
- Commercial real estate acquisition, property improvements and equipment purchases
- Referred to Meridian by commercial real estate broker
- 90% loan to full project costs with full 25-year term and amortization
Music School Franchise
Princeton, NJ
$725,000 SBA 7(a) Loan
- Commercial real estate purchase
- 95% loan to gross project costs financed
- Meridian also provided an SBA Express Line of Credit to help manage operational cash flow
Manufacturing Co
Telford, PA
$1,180,000 SBA 7(a) Loan
- Business acquisition and commercial real estate purchase
- 90% loan to gross project costs financed
- Meridian also provided an SBA Express Line of Credit to help manage operational cash flow
Financial Planner
Plymouth Meeting, PA
$950,000 SBA 7(a) Loan
- Commercial real estate purchase and construction financing to purchase and improve a historic office building
- 95% loan to gross project costs financed
- Meridian also provided an SBA Express Line of Credit to help manage operational cash flow
Need Money for Your Business?
We’ll help assess your eligibility, discuss your goals, and guide you toward the right financing solution.
