Expansion Term Loan

IBS, N.A. has made small business financing a fundamental part of our business. Since opening our doors we have backed companies in all lines of business and industries. IBS, N.A. is proud to partner with some of the most recognized brands such as IHOP and Choice Hotels, as well as independent manufacturers, retailers, distributors, and healthcare professionals. Whether purchasing new equipment, hiring staff or adding locations our Expansion Lending Program was designed to fuel entrepreneurship.


Program Overview

  • Our transaction sizes are focused between $500,000 to $5,000,000, with an average transaction size of $2,000,000.
  • Under-secured conventional financing with terms of 24 to 180 months.
  • Fixed rates and floating between 6.5% to 10.5% range depending on the risk associated with the transaction.  
  • Currently, financing transactions in all 47 States (excluding California, North Dakota & South Dakota)
  • Unlike SBA or conventional bank financing, we do not require “additional collateral” in the form of mortgages, CD’s, LOC, etc.  
  • Provided we have all required information, along with a signed proposal, the applicant can generally expect to close within 4-6 weeks.
  • IBS, N.A. currently provides financing for an array of industries including Distribution, Manufacturing, Retail, Professional Services, Technology, and Healthcare. 

Additional Parameters

  • Program requires full financial underwriting (personal and corporate tax returns, financial statements, etc.).
  • Businesses with gross annual sales of at least $1MM
  • Businesses must possess 2 years of documented operating history.
  • Bankruptcies must be dismissed/discharged for at least 7 years.
  • Targeting A/B credit, all credits that do not conform to this program will be rolled into the IBS Short Term Bridge Program



Learn how IBS, N.A. drives over 3,500 small and middle market sized companies through its nation-leading corporate finance programs via the buttons and brochure below or reach out to a Relationship Manager for more information:


Working Capital Loan

Asset Based Lending

Letter of Credit

IBS Client Financing Program

Contact Us

Institutional Banking Services, N.A. CORP


Fort Lauderdale Office

Mailing and Appointments

401 E Las Olas Blvd

Suite 1400

Fort Lauderdale, FL 33301


West Palm Beach Office 

The Wagg Building 

215 South Olive Ave

Suite 201

W.Palm Beach, FL 33401



Capital Funding Solutions Office

2021 Tyler Street 

Suite 208

Hollywood, Florida 33020



Phone: +1 954 889-5827



Or use our contact form.

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