One Florida Bank

This is a local bank offering SBA loan programs and business financing solutions designed to support small businesses in the Orlando area. You can find assistance with loan applications, financial advice, and personalized service to help grow your business. Their team is dedicated to guiding clients through the lending process efficiently and effectively.

It is recommended to schedule an appointment to ensure dedicated time with a loan specialist, although walk-in consultations may be available during business hours. Calling ahead can help you prepare and streamline your visit.

The bank typically operates Monday through Friday from 9:00 AM to 5:00 PM. It is advisable to contact the branch directly for specific hours or to schedule an appointment outside regular hours if needed.

There are no fees for visiting the bank or consulting with staff; however, loan processing and application fees may apply depending on the financing product selected.

This bank primarily serves local residents and small business owners in the Orlando area, but eligibility for certain programs may depend on specific criteria such as business location and creditworthiness.

A minimum personal credit score of around 640 is generally preferred, but higher scores can improve the likelihood of approval and better loan terms.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation provided.

Most banks keep weekday business hours and are closed on weekends, and One Florida Bank typically follows the same pattern. SBA lending staff are generally reachable Monday through Friday. A few locations offer Saturday or by-appointment hours, so call One Florida Bank to confirm current weekend availability before you go.

One Florida Bank is located in Florida — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for One Florida Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by One Florida Bank itself, which runs its own lending under its own ownership. If you work at One Florida Bank, you can claim this listing from this page to manage it.

The core details for One Florida Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with One Florida Bank before applying. If you represent One Florida Bank, claim this listing to keep its information up to date.

Contact One Florida Bank by phone at (407) 693-0601 or submit an inquiry through their contact form at onefloridabank.com/contact-us. For SBA loans, confirm details with the bank's business lending department.

Based on its approved SBA loans, One Florida Bank most often finances businesses in construction & contractors, medical practices & clinics, general retail, and restaurants & food service. This reflects One Florida Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with One Florida Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether One Florida Bank participates in SBA Express depends on its specific SBA lending authority. Contact One Florida Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. One Florida Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. One Florida Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask One Florida Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask One Florida Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask One Florida Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with One Florida Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. One Florida Bank weighs this case by case under its own policy, so be upfront about your history and ask One Florida Bank how it evaluates prior bankruptcies.