Community Lending

The community lending team at Raymond James Bank provides lending opportunities to historically underserved business owners and entrepreneurs.

Recent events have shone a light on our nation’s systems, challenging the ways they developed over time to the potential benefit of some – and exclusion of others. Realizing that access to funds is critical to the success and growth of a business, the Community Lending team at Raymond James Bank takes a collaborative approach, offering guidance and education to business owners as they navigate the financing process, often for the first time. Focused on relationships – the people behind the paperwork – the Community Lending team is there every step of the way.

Financing for the future of your business

potential uses 
Potential uses
  • Real estate
  • Equipment
  • Working capital
  • Revolving line of credit
Eligibility requirements*
  • Business has operated for one year
  • Debt service coverage ratio: 1.15x
  • Personal/global debt-to-income ratio: 45%
  • Minimum credit bureau report: 620
  • Personal guarantees

*Exceptions can be made - please contact us to discuss your situation.

Accepted collateral
  • Cash
  • New and/or used equipment
  • Accounts receivable
  • Inventory
  • Real estate
  • Cash surrender value of life insurance


To learn more about the Community Lending team and how we could help you, reach out today.

O 727.567.1122 | M 323.528.9977