Small business funding in Palm Beach County, FLthe bank
said no
again!
Free lender matching for Palm Beach County businesses, from the farms out west to the shops along the coast. Fill out one form and we find the lender that does your kind of deal.
we've all sent
that text.
now get this reply.
- 5 lender websites
- 5 credit checks
- endless robocalls
- still no answer
- 1 form
- 0 credit pulls to start
- 1 team shopping it for you
- $0 to you
pick your situation.
palm beach, by the numbers.
A county that's half coastline and half farmland, with a lot of small companies doing both.
Most people picture the beaches, but Palm Beach County is also one of the biggest farm counties in the country. The Business Development Board says it leads the nation in sugarcane, fresh sweet corn and sweet bell peppers. Closer to the coast, the board counts more than 20,000 aerospace and engineering jobs at 1,760 companies, a large financial services sector, 539 corporate and regional headquarters, and a regional yacht repair and refit trade worth $12 billion.
what palm beach owners borrow for.
The money needs out west look nothing like the ones on the coast. Here's what we see, and the funding type that usually fits.
- farms & growersequipment financing · line of credit
Tractors, harvesters and irrigation, plus covering labor and seed until the crop sells.
- yacht repair & marineworking capital · equipment financing
Buying parts and adding crew for a big refit before the owner's final payment comes in.
- aerospace & machine shopsinvoice factoring · equipment financing
Waiting 60 to 90 days on a prime contractor, or adding a CNC machine to take on a new part.
- landscaping & nurseriesequipment financing · line of credit
Mowers, trailers and trucks for a new HOA or golf course contract, and stock for the growing season.
- restaurants & hospitalityline of credit · working capital
Staffing up and stocking the kitchen for winter, then getting through a quiet summer.
- buying or expandingSBA 7(a) loan · term loan
Buying out an owner, a second location or a building. SBA 7(a) loans go up to $5 million through approved lenders.
what we can find you.
working capital
Fast money for payroll, inventory and bills.
SBA loans
Lower rates and longer terms for big moves.
equipment & truck financing
The equipment backs the loan.
invoice factoring
Cash now for invoices customers owe you.
business line of credit
Draw what you need, pay on what you use.
merchant cash advance
Paid back from your card sales.
term loans
A lump sum with fixed payments.
not sure?
Tell us the situation. We'll sort it out.
latest for palm beach.
Bank said no? 6 ways small businesses still get funded.
What each funding option is for, how fast it moves and what it really costs.
read it →guideHurricane damage? How to get funding while you wait on insurance.
Written for Broward, but the same SBA, state and private options apply in Palm Beach.
read it →local help, worth a call.
Want a second set of eyes before you borrow? These offices work with owners here for free or close to it. See statewide Florida programs.
Florida SBDC at FAU, Palm Beach
Free one-on-one consulting, including help getting loan-ready. Boca Raton campus, appointment required. 954-235-8605.
visit site ↗Palm Beach County Business Loan Program
County gap financing for equipment, real estate, working capital and lines of credit. For businesses open 2+ years, usually with 10% down. 561-233-3675.
visit site ↗SBA South Florida District Office
The SBA office that covers this part of the state. Loan programs, lender lists and disaster help.
visit site ↗Business Development Board of Palm Beach County
The county's official economic development group, for companies growing, expanding or moving here.
visit site ↗After Hurricane Milton in 2024, FEMA opened a Disaster Recovery Center in West Palm Beach. When a storm brings a federal declaration, SBA disaster loans can open up for local businesses. Read our guide to funding while you wait on insurance.
ok but…
Data on this page comes from:
U.S. Census Bureau, QuickFacts: Palm Beach County, FL
Business Development Board of Palm Beach County, industries
Business Development Board of Palm Beach County, agribusiness
Palm Beach County Business Loan Program
FEMA, Florida Hurricane Milton (DR-4834)
U.S. Small Business Administration, 7(a) loans
Page updated October 2026.
can a farm or nursery out west get funded?
Yes. Equipment financing is a natural fit for tractors, harvesters and irrigation, because the equipment itself backs the loan. Many lenders also look at a full year of deposits, so a strong harvest counts even if the off months are thin.
doesn't the county have its own business loans?
It does. The Palm Beach County Business Loan Program offers lower-rate gap financing alongside a bank, for businesses with at least 2 years in operation. It can take a while to close. If you need money sooner, or you're newer than 2 years, a private lender is usually the faster route, and we can help with that side.
i do subcontract work and wait 90 days to get paid. what helps?
Invoice factoring. A lender advances most of the invoice now and collects from the prime contractor later. Aerospace suppliers, landscapers on HOA contracts and builders use it to cover payroll between checks.
do you only work with west palm beach businesses?
No. We match owners anywhere in the county, from Jupiter down to Boca Raton and out west to Belle Glade.
is it actually free?
Free to apply and see your options. If you get funded, the lender may pay us. Any cost to you is spelled out in your offer before you sign.
will it hurt my credit?
No. We don't pull credit to start. If a lender needs to, they ask you first.
are you a lender?
No. helpmegetfunding.com is run by Gotham Capital Funding, which matches local businesses with lenders from its network. The lender makes the decisions.
what if a hurricane shuts us down?
If FEMA declares a disaster that covers Palm Beach County, SBA disaster loans open up for local businesses. A private lender can also cover payroll and repairs while you wait on insurance. Our storm funding guide walks through both.