small business loans in jacksonville fl

Small business owners can use loans to grow their business. You can use the funds however you wish.

Cover Expenses

Pay for any unexpected expenses that arise.

Invest in your business

Use the loan to grow your business however you wish.


Use the loan to pay your employees.


Keep the cash on hand for future expenses.


Buy new equipment to grow your business.


Use the loan to hire new employees.

We Fund Fast

24-48 Hours

Loans up to

$10 Million

Google Rating

5 Stars

Delancey Street Can Help with small business loans in jacksonville fl

We're committed to building relationships and helping people all over the USA get access to the RIGHT loan for them. Regardless


We're frequently interviewed by major media organizations.

Easy Application

Our app process is super easy. All it takes is one application, and we handle the rest for you.


Service is key. You can ask for advice on ANYTHING and we'll bend over to help.


Many of our team members are former business owners, and understand your challenges.


We customize each loan for you, and to your unique specs. Everything is customized.


We help virtually any industry, any business, anywhere in the USA. It doesn't matter.


We fund business loans nationwide. It doesn't matter where you are, we can help you.


This is crucial, and critical. We are 100% honest with our clients, and never strive for less.

Hear from people we’ve helped

“Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.”

- Leena, VP of Sales at Waist Karma

Qualify for a Small Business Loan with Ease

If you need money to grow your business, then you’ve probably thought about applying for a small business loan. The information provided below offers insights into requirements for different options, such as SBA, bank and online small business loans. As with most things in life, understanding what to expect and having a chance to prepare will eliminate any unnecessary frustration.

Boosting Your Personal and Business Credit Scores

Your personal credit score can make the different in whether or not you are approved for small business loans in Jacksonville FL, so you’ll want to raise your score if possible. The range is from 300 to 850 and it’s predicated on how you’ve paid your debts in the past. Your credit score is also called a FICO score, which considers how much debt you have, your payment history, the amount of time you have had credit, the types of credit you have and recent inquiries into you credit. Of the factors mentioned, your payment history is the most important because it represents 35% of your FICO score.

The Federal Trade Commission has reported that many consumers have errors on their credit report, which can be detrimental to your financial health. Conveniently, you can receive a copy of your credit repot, at no charge, by visiting If you find errors, you can contact the three credit bureaus (Experian, TransUnion and Equifax) to resolve the issues. If there are errors on your business credit report, then you’ll need to contact Dun & Bradstreet, Experian and Equifax. Approximately 20% of consumers who have resolved inaccuracies in their credit report have experienced an increase in their credit score. Incidentally, there’s a different system for your business credit report and the score will range from 0 to 100.

Understanding Minimum Loan Qualifications

In order to become a strong applicant, you’ll need to both understand and meet the lender’s minimum qualifications. As a matter of fact, you can increase your chances of getting approved if you exceed the requirements, which often involves your annual revenue, credit scores and the amount of time you’ve been in business. If you’re interested in an SBA loan, then you should be aware that the minimum requirements can be tougher than other lenders. For instance, you might have to have higher personal and business credit scores. Additionally, the SBA has a list of ineligible businesses that include financial, real estate and insurance companies, among others.

If all of this sounds a bit overwhelming, you can relax a bit because there’s another option; online small business loans. Online lenders tend to be more lenient. Just keep in mind that you might pay a bit more for the ease of obtaining an online small business loan.

Gathering Financial and Legal Documents

Perhaps one of the easiest aspects of preparing to apply for small business loans in Jacksonville FL is compiling the necessary documentation. For example, many lenders require you to provide Articles of Incorporation, business licenses, personal and business income tax returns, income statement, a photo of your driver’s license, balance sheet, personal and business bank statements and commercial leases. You might also have to provide a copy of your resume to demonstrate your related business and management experience. If you’re interested in a more streamlined lending process, then an online loan might be a better choice for you.

Creating a Business Plan

You may already have a business plan that details your mission, vision, strategy, financial projections and other key aspects of your business. If not, you’ll need to create one that sufficiently showcases your plan for increasing profits. Here are some of the elements that your business plan should include: Company overview, management team, product and/or service description, sales and marketing strategy, operations plan and industry analysis. Lenders may also require a SWOT analysis that details the strengths, weaknesses, opportunities and threats to the business.

Providing Collateral

Last but not least is collateral, which lenders may require to back your small business loan. If you don’t have collateral to offer, you can inquire about other options, such as unsecured business loans.