Florida Small Business Investment Program

Municipalities like Washington, D.C., Mercer County, N.J., and others are partnered with SMBX to drive investment into local small businesses. The governments provided grants (eg. ARPA funds) to offset the underwriting and marketing costs of raising capital.

SMBX leverages its investor base and everyday investors in the local community to drive private investment into small businesses, creating jobs, keeping wealth creation local, and helping small businesses grow.

We believe Florida is the ideal place to expand these public-private partnerships. It's a win-win for business owners, investors, and taxpayers.

Turning visitors into leads.

Raise funds for your Florida small business.

Qualified Florida small businesses can apply to issue Small Business Bonds™ to their community.

Skip the bank and sell Bonds directly to the general public, reducing borrowing costs and winning customer loyalty.

Qualifications include:

Raising $25,000 to $5 million

Six months of revenue

An incorporated, for-profit business registered in the State of Florida

Owners of 20% or more and essential business partners must pass a background check

Program FAQs

Do I qualify?

If you own an incorporated, revenue-generating business in Florida and need capital you qualify!

Are there fees?

There is a 5% one-time fee on the amount raised, and only if your raise is successful.

How much can I raise?

$25,000 to $5 million

Who is providing the loan?

SMBX is a marketplace connecting small businesses with investors in your community and nationwide. People invest in your business, and SMBX helps you repay those investors.

Who are the investors?

They can be your friends, neighbors, and extended community. You're giving them the opportunity to invest in your success while they earn interest. SMBX also has a national network of investors who love to support small businesses. We'll help you reach them through marketing within your community and nationally.

Do I need to guarantee the loan personally?

No, there are no personal guarantees.

What credit score do I need to qualify?

There is no minimum credit score required.

How do I apply?

Click "Apply Now" and answer a few questions about your business for a free quote.

World Class Support

Our expert team of underwriters will complete your paperwork & file it for you so you can focus on the bigger picture.

Great Rates. Lower Fees.

Since we’re not a bank or lending platform, we don’t have the same regulatory fees. We help high-quality borrowers with operating experience pay more favorable rates.

On-demand marketing experts.

Our marketing team helps you craft and execute custom campaigns to get the word out about your raise. We’re available around the clock to support your raise on SMBX.