Who qualifies for a commercial loan?

Businesses of all sizes may qualify for a commercial loan based on factors like creditworthiness, business history, revenue and the purpose of the loan.

What do I need to apply for a commercial loan?

To apply for a commercial loan, you'll need personal financial statements, three years of tax returns for your business and each guarantor, driver’s license information for each owner, and details about your collateral and loan purpose as well as additional identifying information.

What is the commercial lending process?

The process includes an initial consultation, application submission, financial review, underwriting, and loan approval—guided by a dedicated Seacoast Bank lending expert.

What kind of credit do you need for a commercial loan?

A strong business or personal credit score improves your chances, but Seacoast Bank considers the full financial picture, including cash flow and collateral.

What is the difference between a small business loan and a commercial loan?

Small business loans are typically for startups or smaller operations, while commercial loans support larger, more complex business needs like real estate, equipment or expansion.

Commercial Lending | Seacoast Bank

Power Your Business Forward with Customized Commercial Lending Solutions

Seacoast Bank empowers Florida businesses with customized commercial lending solutions designed to support growth, manage cash flow and fund strategic initiatives. Whether you're investing in equipment, expanding your operations, or acquiring commercial real estate, our local experts provide personalized guidance and fast, flexible financing options. With deep community roots and experience growing Florida businesses since 1926, we’re committed to helping your business thrive—today and into the future.