If you’re looking to get a small business loan in Miami Beach, FL, here’s what you should do:

1. Know what you need. Before applying for a loan, get a clear idea of how much money your business needs and how you will use the funds. Doing so can help identify the best type of loan for your needs.
2. Check your credit score. Many lenders in Miami Beach, FL, will look at your credit score when reviewing your application, so knowing where you stand is important. If your score is less than ideal, consider improving it by making timely payments, keeping old accounts open, and limiting new credit applications.
3. Research lenders. Many different types of lenders offer small business loans in Miami Beach, FL, including banks, credit unions, and online lenders. Do your research to find out which ones best fit your needs and qualifications.
4. Prepare your application. Once you’ve identified potential lenders, prepare your loan application carefully. This may include providing financial statements, tax returns, and other documentation demonstrating your ability to repay the loan.
5. Apply for the loan. If you’ve found a lender you’re comfortable with, it’s time to start your application. The process varies from lender to lender, but essentially, you need to submit your loan application along with the required documents. You also need to prepare to answer any additional questions the lender may have.
6. Wait for a decision. The lender will then review your application and decide whether to approve your loan or not. Funding speed depends on the lender and loan type. Banks usually take weeks or months, while online lenders can fund your business in a day.

Miami Beach, FL

There are many business loan options in Miami Beach, FL. Some of the best places to start your search include:

• Local banks and credit unions: These institutions may offer a variety of business loans, including term loans, lines of credit, and SBA loans.
• Online lenders: Online lenders can provide a convenient and fast way to get a business loan, especially for those with less-than-perfect credit or who need a smaller loan amount.
• SBA-approved lenders: If you're interested in an SBA loan, search for approved lenders through the SBA's website.
• Community development financial institutions (CDFIs): CDFIs are nonprofit lenders that focus on financing underserved communities and small businesses.

SBA (Small Business Administration) loan is provided by banks, credit unions, and other lenders in partnership with the Small Business Administration, a government agency. SBA loans are designed to help small businesses by providing access to funding with more favorable terms than traditional loans. 

In Miami Beach, FL, the SBA offers various loan programs, including the 7(a) loan program, which is the most common and provides funding for a wide range of business needs, and the 504 loan program, which is specifically for financing commercial real estate and large equipment purchases.

The maximum loan amount for SBA loans in Miami Beach, FL, can vary depending on the program. 

For example, the SBA 7(a) loan program has a maximum loan amount of $5 million. The SBA 504 loan program can provide up to $5.5 million for small businesses that want to purchase or improve commercial real estate or buy equipment.

However, individual lenders may have their own lending limits and may not be willing to approve a loan for the maximum amount. The loan amount approved will depend on various factors, such as the borrower's creditworthiness, financial history, and the lender's underwriting criteria.