Six flexible financing products designed for Florida businesses at every stage of growth.
When your business needs cash to keep moving — for payroll, inventory, rent, or unexpected expenses — a working capital loan from TD Investments FL delivers fast, flexible funding without the collateral requirements of traditional bank financing.
We evaluate your business's current revenue and trajectory, not just your credit history. That means more businesses qualify, and qualified businesses get funded faster.
Ideal for businesses with strong revenue that need bridge funding between invoices, seasonal cash flow dips, or sudden growth opportunities.
The right equipment can transform your business's capacity — but purchasing machinery, vehicles, technology, or specialized tools outright can drain the cash you need to operate. Our equipment financing programs let you acquire what you need now while preserving working capital.
The financed equipment itself serves as the primary collateral, which makes these programs accessible to businesses that might not qualify for unsecured financing. We work with businesses across construction, agriculture, transportation, hospitality, healthcare, and more.
From construction equipment to restaurant kitchens, medical devices to fleet vehicles — if it generates revenue for your business, we can help you finance it.
Revenue-based financing aligns your repayment with your actual business performance. Instead of a fixed monthly payment, you repay a percentage of your daily or weekly revenue — meaning payments naturally flex with your business cycle. When you're busy, you pay more. When it's slow, you pay less.
This product is especially powerful for seasonal Florida businesses — tourism, agriculture, retail, landscaping — where income is lumpy and a fixed payment schedule creates unnecessary stress during off-peak periods.
Perfect for seasonal businesses, restaurants, retailers, and any company with fluctuating monthly revenue who needs funding flexibility matched to reality.
For longer-horizon business investments — expansion, acquisition, major renovation, hiring initiatives — a structured business term loan provides a lump-sum funding amount with a defined repayment schedule. Predictable, transparent, and built for strategic decision-making.
When you're making a significant business investment, you need capital with a repayment timeline that matches the investment's return horizon.
A revolving business line of credit gives you ongoing access to capital up to an approved limit — draw what you need, repay it, and draw again. You only pay interest on what you actually use, making this an efficient tool for managing cash flow variability and taking advantage of short-notice opportunities.
A line of credit is the most flexible financing tool available — access capital when you need it, repay when you can, and keep the line available for the next opportunity.
If your business regularly issues invoices with 30-, 60-, or 90-day payment terms, you're essentially extending credit to your customers — while still needing to fund your own operations. Invoice financing lets you unlock the cash tied up in outstanding receivables immediately, without waiting for your clients to pay.
Invoice financing is particularly valuable for contractors, staffing firms, manufacturers, distributors, and any B2B service business with extended payment terms.
Most established Florida businesses qualify. Here's what we typically look at:
Typically 6+ months in operation, though some programs accept newer businesses.
Minimum $10,000/month in gross revenue for most programs.
An active business checking account in your company name.
Government-issued ID for business owners with 20%+ ownership stake.
3–6 months of recent business bank statements to verify revenue.
We primarily serve Florida-based businesses, with priority for Polk County applicants.
Not sure which product fits your situation? Apply and let us match you with the right solution.
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