504 & USDALoans

Get local expertise and government-backed support, plus flexible terms and competitive rates to finance property, equipment, or working capital.

504 & USDA Lending Options

Backing your business every step of the way.

504 Loans

Secure funds to build, buy, or renovate a building, purchase land, or acquire major equipment with long-term financing.

Learn More about Real Estate Loans

USDA Loans

Finance property, equipment, facility upgrades, and working capital with USDA-backed loans for eligible businesses in select locations.

Learn More about USDA

Other Business Loans

From partner buyouts to debt refinance, lines of credit, construction loans and more, we've got you covered with our conventional loans.

Learn More about Other Small Business

Why BayFirst?

For more than 20 years, BayFirst has been Here for What's Next® for businesses in Tampa Bay. When you choose a 504 or USDA loan from us, you get fast access to funds, expert local support, and personalized guidance from our in-house experts. We simplify the process of government-backed loans, delivering solutions designed around your business needs.

Don't just take our word for it.

Hear from business owners who think BayFirst is the best place to get a 504 or USDA loan.

Terrill Salem

T. Salem Construction, LLC

“BayFirst didn't just turn me away for funding.  They laid out a path for me and made it very personable.”

Chef Michael Baugh

Let Them Eat Cake

“We are here to help our customers with their banking needs on every level”

The BayFirst Difference

When you tap into the power of BayFirst’s lending team, you can expect:

  • A streamlined process, start to finish
  • Advanced technology
  • Personalized service
  • Faster decision times
  • Quick access to your funds

All loans are subject to approval.