As your local, Florida-based commercial lending expert, Seacoast is here to partner with you to discuss your business goals and help formulate a growth plan tailored to your unique needs.
A Seacoast Commercial Real Estate Loan can help you secure financing for the acquisition of a new building, refinance your existing property, build a new facility or make desired improvements to your current place of business.
Seacoast’s Commercial Real Estate Solutions
Whether you're acquiring property, developing new sites or refinancing existing assets, Seacoast Bank offers flexible commercial real estate financing tailored to your business goals. Our experienced team understands the complexities of real estate investment and development and we’re here to help you structure a solution that supports long-term growth and stability.
Types of Commercial Real Estate Loans:
Income-Producing Commercial Real Estate Loans: These loans are for properties such as office or retail buildings, or both, multifamily residential dwellings and other types that will generate rental income.
Construction and Development Loans: These loans are for built for business developers and are designed to cover the project costs associated with constructing new commercial properties.
Acquisition Loans: These loans assist business owners seeking to purchase an existing business or commercial property, whether that be for an expansion of current operations or for investment into a new property.
Refinance Loans: These loans can help business owners and investors take advantage of more attractive terms and interest rates, lower monthly payments and increase cash flow.
Term Loans: These loans are more traditional and offer fixed-rate financing over a set term of years, which can lead to stability and predictability for financial planning when it comes to long-term investments.
Bridge Loans: These short-term loans are designed to “bridge the gap” between immediate financing needs and long-term funding. Ideal for property acquisitions, renovations or refinancing while waiting for permanent financing or the sale of another asset.
Commercial Real Estate Loan Uses:
Buy Property
Build New Facilities
Refinance Debt
Renovate Spaces
Expand Operations
Why Choose Seacoast for Your Commercial Real Estate Loan
Since 1926 Seacoast Bank has been helping businesses grow through trusted financial partnerships. Combining local decision-making with industry expertise we deliver commercial real estate loans tailored to your business goals. Our team understands the regional market and offers fast, flexible financing solutions to support your success.
Frequently Asked Questions About Commercial Real Estate Loans
Commercial real estate loan terms can vary based on the type of financing and your business needs. At Seacoast Bank, we offer flexible term loans that typically range from 5 to 20 years, giving you the stability and predictability to plan for long-term growth.
A Bridge Loan is a short-term financing option that helps cover immediate funding needs while you wait for long-term financing or the sale of another property. It’s commonly used for property acquisitions, renovations or refinancing when timing is critical. Seacoast Bank structures Bridge Loans to provide fast access to capital with flexible repayment terms.
Seacoast Bank offers both fixed and variable rate options. Fixed-rate loans provide consistent payments over the life of the loan, while variable-rate loans may offer lower initial rates with adjustments over time. Our team works with you to determine the best fit for your financial strategy.
Down payment requirements typically range from 10% to 30% of the property’s purchase price. The exact amount depends on the type of property, loan structure and your business’s financial profile. Our local lending experts will guide you through the process to find a solution that works for you.
To apply for a commercial real estate loan, you’ll typically need:
Business financial statements (e.g., balance sheet, income statement)
Tax returns (business and personal)
Property details and valuation
Rent rolls (for income-producing properties)
Business plan or project summary
Personal financial statement and credit history
Our team will guide you through the process and help ensure you have everything needed for a smooth application.
Connect with a Local Banker about a Commercial Real Estate Loan.
Are you interested in contacting a local, Florida banker to discuss your individual financial needs? We’d love to speak with you. Schedule a consultation today.
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