At a glance
From its website, read 2 Nov 2026BBIF Capital, Inc. is a loan fund based in Orlando, Florida. Its website describes commercial real estate loans, microloans and small-business loans. Where it lends: Florida. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (407) 649-4780 source |
|---|---|
| loans@bbif.com source | |
| Apply online | Page with the application link |
| Website | www.bbif.com |
| Office (official list) | 301 E. Pine Street Suite 175, Orlando, FL 32801 |
What their website says about applying
Get organized by gathering the necessary documents to help streamline your application process.
sourceSubmit your application through our easy online portal.
sourceDocumentation required to process your application include but may not be limited to:
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Term: see their wording | 12-72 Months; with a Maximum Amortization of up to 30 Years for Commercial Real Estate Purchase. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Loan fund |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 12 Jul 2025 |
| RSSD ID | — (none listed) |
| Address | 301 E. Pine Street Suite 175, Orlando, FL 32801 Directions (Google Maps) |
| Website | www.bbif.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Contractor financing and Legacy loans are listed on the loans page but their details were not fetched, so they are omitted. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Commercial real estate loans | — | Our commercial real estate loans helps you secure property where your business can operate and grow. | source |
| Microloans | up to $50,000 | Loans up to $50,000 | source |
| Small-business loans | $25,000 – $1M | Loans from $25,000 to $1,000,000. | source |
Service area
Florida
Micro Loans for Small Business-Owned Businesses in Florida | BBIF | FL
source
Statewide: Florida
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Submit your application through our easy online portal.
source
Pages read (7)
- https://www.bbif.com/
- https://www.bbif.com/loans
- https://www.bbif.com/loans/micro-loans
- https://www.bbif.com/loans/small-business-loan
- https://www.bbif.com/loans/commercial-real-estate-loan
- https://www.bbif.com/bbif-recognized-by-sba-as-leading-micro-lender-in-florida
- https://www.bbif.com/post/financial-health-simple-budgeting-tricks-for-small-businesses
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What interest rate and fees should I expect on your commercial real estate loans and microloans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - Do you offer free coaching or help preparing my application?
CDFI certification requires development services, such as training or advice, alongside lending. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$9.7 million in 9 awards from the U.S. Treasury's CDFI Fund, 2014–2024 (CDFI Equitable Recovery Program; CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $625,000 |
| 2022 | CDFI Equitable Recovery Program | $3,586,384 |
| 2022 | CDFI Program, Financial Assistance | $560,000 |
| 2021 | CDFI Program, Financial Assistance | $500,000 |
| 2021 | CDFI Rapid Response Program | $1,278,385 |
| 2020 | CDFI Program, Financial Assistance | $520,000 |
| 2018 | CDFI Program, Financial Assistance | $700,000 |
| 2017 | CDFI Program, Financial Assistance | $930,405 |
| 2014 | CDFI Program, Financial Assistance | $1,000,000 |
New Markets Tax Credit allocations
$323.5 million in 8 allocations. An NMTC allocation is the authority to offer investors federal tax credits for community investments; it is not cash paid to the lender and is not counted in the award total above.
| Round year | Program | Allocation |
|---|---|---|
| 2024 | New Markets Tax Credit allocation | $75,000,000 |
| 2023 | New Markets Tax Credit allocation | $50,000,000 |
| 2022 | New Markets Tax Credit allocation | $50,000,000 |
| 2020 | New Markets Tax Credit allocation | $55,000,000 |
| 2019 | New Markets Tax Credit allocation | $33,485,000 |
| 2018 | New Markets Tax Credit allocation | $20,000,000 |
| 2016 | New Markets Tax Credit allocation | $20,000,000 |
| 2014 | New Markets Tax Credit allocation | $20,000,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Size of the fund (IRS Form 990)
Fiscal year ending Sep 2023| Total assets | $51.3M |
|---|---|
| Total liabilities | $34.5M |
| Net assets | $16.8M |
| Total revenue | $10M |
| Notes and loans receivable, net (Part X line 7) | $17.2M |
| Program-related investments (Part X line 13) | $2.6M |
End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending September 2023 (tax year 2022; EIN 59-2861155, filed as “BBIF CAPITAL INC”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer
Filings over time
| Fiscal year ending | Total assets | Net assets | Revenue | Notes and loans receivable |
|---|---|---|---|---|
| Sep 2021 (990) | $36.7M | $11.6M | $11.6M | $12.8M |
| Sep 2022 (990) | $34.6M | $12.8M | $5.5M | $8.1M |
| Sep 2023 (990) | $51.3M | $16.8M | $10M | $17.2M |
Total assets grew 40% from Sep 2021 to Sep 2023; notes and loans receivable rose 34%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Median SBA 7(a) loan it approved, FY2020–FY2026 | $75,000 (21 loans) | All 7(a) lenders in Florida: $250,000. Larger than the median loan of 9% of the 97 other certified CDFIs with 10 or more 7(a) loans. |
| SBA approvals, FY2023–24 → FY2025–26 | 9 → 2 | Rank among the 6 certified CDFIs in Florida with SBA approvals in either period: 1 → 4. |
| Total assets, latest IRS Form 990 | $51.3M | Larger than 89% of the 9 other certified loan funds and venture funds in Florida with a matched Form 990 (median $8.6M). |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Median SBA 7(a) loan | certified CDFIs with 10+ 7(a) loans, nationwide | 97 | larger than 9% |
| SBA approvals then vs now | certified CDFIs in Florida with SBA approvals FY2023–2026 | 5 | rank 1 → 4 of 6 |
| Form 990 total assets | certified loan and venture funds with a Form 990, in Florida | 9 | larger than 89% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered; your rate depends on the loan and on the lender's review. Peer groups and sources: methodology. SBA 7(a) & 504 FOIA data as of 30 Sep 2026. Form 990 figures: IRS annual extracts (see the Form 990 section).
SBA loans approved
SBA data as of 30 Sep 2026The SBA's public loan data lists 21 SBA-backed approvals for BBIF Capital, Inc. in fiscal years 2020–2026 (October 2019 to September 2026):
- 21 7(a) loans as the lender: $2.6M in total (gross amount approved), median $75,000
By fiscal year: FY2020 0 · FY2021 3 · FY2022 7 · FY2023 4 · FY2024 5 · FY2025 1 · FY2026 1.
What actually happened
- Size of its 7(a) loans: half were between $50,000 and $168,000, median $75,000 (21 loans)
- Term of its 7(a) loans: median 72 months (6 years) (21 loans)
- Fixed or variable: 100% of its 7(a) loans had a fixed rate (21 loans)
- Young businesses: 19% of its 7(a) loans went to a startup or a business two years old or less (21 loans with an answer)
Descriptive only: what the SBA file records for loans this lender approved in fiscal years 2020–2026. Each figure covers at least 10 loans; with fewer we show nothing. It is not an offer, not the rate or term you would get, and says nothing about your chance of approval.
By program
- 7(a) Community Advantage (15, 71%)
- 7(a) standard (5, 24%)
- 7(a) working-capital and trade lines (1, 5%)
Borrower industries
NAICS sector, 3 or more loans.
- Health care and social assistance (4)
- Administrative and support and waste management services (3)
- Professional, scientific, and technical services (3)
- Retail trade (3)
Where borrowers are
County of the borrower's ZIP code, 3 or more loans.
How this lender was matched in the SBA files: SBA lender ID 0473124: same organisation by name and state, checked by hand (SBA lists “BBIF Captial, Inc.”).
Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. BBIF Capital, Inc. may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files.
Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.
Other certified CDFIs in Orlando and Florida
- Florida Community Loan FundLoan fund · Orlando, FLAffordable housing development loans, Nonprofit / community facility loansVerified
- Orlando Credit UnionCredit union · Orlando, FLOfficial list only
- Priority Credit UnionCredit union · Orlando, FLAuto / vehicle loans, Credit-builder loans, Small-dollar / emergency loans, Equipment loans…Verified
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
Work at BBIF Capital, Inc.? Link to this page
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