Loans are subject to credit approval and the Bank’s credit policies. Additional conditions may apply.
Built for expansion
Financing ranges and structures that scale with growing operations, inventory, and capacity — not rigid, off-the-shelf terms
Commercial lending · Broward County
Built for growing businesses in Broward County
Flexible financing aligned to your operations, timing, and growth plans — carefully structured terms to support growth, not just to get a loan approved
- Capital for expansion and working capital needs
- Direct access to a senior commercial banker
- Efficient approvals and closings
- FDIC insured
- $5.5B+ in assets
- Headquartered in South Florida
Capital terms structured to facilitate growth, not just to get a loan approved
Financing that moves the way your business does
Mid-market companies in Broward are navigating expansion, liquidity pressure, and operational complexity. We structure capital around your cash flow, timing, and growth plans.
Cash-flow-based lending
Access to more working capital through flexible, cash-flow-based structures aligned to how revenue actually moves through your business
A real banking partner
Direct access to a senior banker who understands your industry and can move decisions forward — through multiple growth and market cycles
Financing structures used by growing businesses
Flexible capital aligned to your operations, timing, and long-term strategy
Working capital access
Revolving lines of credit and borrowing-base facilities that fund inventory, receivables, and day-to-day liquidity
Term financing
Structured term loans to support acquisitions, expansion, and longer-horizon capital investments
Equipment investment
Financing for equipment and infrastructure with structures aligned to cash flow and useful life
Cash-flow-based lending
Capital sized to operating performance rather than collateral alone — built for businesses in motion
Owner-occupied commercial real estate
Financing for the facilities your business operates from, structured to support growth, not slow it down
Not sure which fits?
Tell a banker about your business and we’ll structure options around your situation.
Industry experience
We understand how Broward businesses operate
Capital decisions informed by the operational realities of the sectors driving Broward County’s economy
Aviation & Aerospace
Heavy equipment, parts, and working capital for acquisition, maintenance, and fleet operations
Marine
Fleet, repairs, and port logistics financing for businesses tied to South Florida’s marine economy
Manufacturing
Equipment and capital to scale production capacity and meet growing order volume
Logistics & Distribution
Fleet, warehousing, and working capital to support throughput and supply chain demands
Healthcare Groups
Capital for multi-location expansion, equipment, and receivables-driven liquidity
Wholesale & Import/Export
Inventory and cash-flow financing for businesses managing global trade and seasonal cycles
When businesses reevaluate their banking relationship
If any of these sound familiar, it may be time for a financing structure built around your business
Growth is outpacing your current bank’s flexibility
Your needs have become more complex than off-the-shelf products
Liquidity is constrained in the current rate environment
You need more flexible capital and faster decisions
Expansion requires a new financing structure
Turnover at your bank has cost you continuity and relationships
Real-world business outcomes
Recently structured for Broward County businesses
$12.5M
Working Capital Line + Wholesale/Import
CFO, Broward import & distribution company“Their team structured a borrowing base around our seasonal inventory cycle. Our previous bank couldn’t move fast enough—Banesco USA closed in weeks.”
$8.2M
Equipment Financing + Manufacturing
President, precision manufacturing firm“We needed to scale production capacity. The financing was built around our cash flow, not just collateral, and the banker understood our business.”
$15M
Term + Commercial Real Estate + Healthcare Group
Managing Partner, multi-site healthcare group“Multi-location expansion required a partner who could think strategically. We finally have a banking relationship that keeps pace with us.”
Financing structures used by growing businesses
Flexible capital aligned to your operations, timing, and long-term strategy
Joshua Montagna
Senior Vice President Broward Market Executive
Manufacturing, logistics, and working-capital structures
Kimberly Cagliano
Senior Vice President Commercial Real Estate Relationship Manager
Aviation, marine, and equipment finance
Livan Ruiz
Assistant Vice President Business & Professional Relationship Manager
Healthcare groups and multi-location enterprises
Key considerations in commercial lending
What mid-market borrowers are evaluating
What influences how commercial financing is structured?
Structure is influenced by your business’s cash flow, collateral, industry, growth plans, repayment capacity, and overall financial profile. The goal is to align financing with how your business operates and how the capital will be used.
How does cash flow impact lending?
Cash flow helps lenders understand your business’s ability to repay debt while continuing to manage operations. Strong, consistent cash flow may support larger or more flexible financing structures.
What can C&I loans be used for?
Commercial and industrial loans can support working capital, equipment purchases, inventory, expansion, acquisitions, and other business needs. The use of funds depends on your company’s goals and the structure of the loan.
How are C&I loans different from commercial real estate loans?
C&I loans are typically used for business operations, equipment, working capital, or growth needs. Commercial real estate loans are tied to the purchase, refinance, or improvement of property.
How do lenders evaluate business cash flow?
Lenders review financial statements, tax returns, debt obligations, revenue trends, margins, and operating performance. They look for your business’s ability to generate enough cash to support both operations and repayment.
What is the typical loan size for mid-market businesses?
Loan size depends on your business’s financial profile, cash flow, use of funds, and overall lending need. Banesco USA typically works with commercial financing needs in the $10 million to $20 million range.
How long does the commercial lending process take?
Timing depends on the complexity of the request, the documentation available, and the structure of the financing. Having organized financials and clear business objectives can help the process move more efficiently.
When should a business seek new financing?
Businesses often seek new financing when they are expanding, investing in equipment, managing liquidity, pursuing acquisitions, or preparing for a strategic opportunity. It may also be time to reevaluate financing when your current banking structure no longer supports growth.
How do market conditions affect borrowing?
Interest rates, economic trends, industry conditions, and lender outlook can all influence borrowing decisions. A commercial banking partner can help you evaluate timing, structure, and options in the context of current conditions.
Insights
How do manufacturers scale without increasing complexity?
Growth can increase revenue and production while also making a business less efficient, less responsive, and more difficult to manage.
Acquisition financing: Structuring capital for long-term value
An acquisition may be strategically sound and attractively priced—and still weaken the buyer if the capital structure does not account for what happens after closing.
Should you develop internally, acquire, or partner to accelerate growth?
When a business needs a new capability, market presence, or source of growth, the most important decision may not be what to pursue. It may be how to obtain it.
Start a conversation
Financing built around your business — not the other way around
Banesco USA is a relationship-driven commercial bank serving mid-market companies across Broward County and South Florida. We build banking relationships that support more than a single transaction.
Long-term partnership through growth and market cycles
Decision-making speed and efficient closings
Bankers who understand your operations and industry
