Small Business Loans & Lending

Flexible Business Lending to Fund Your Growth

Speak With A Business Banker

Explore Our Business Loan & Financing Options for Small Businesses

Seacoast Bank understands that every business journey is unique. That’s why our business lending solutions are built to meet you where you are—whether you're expanding, upgrading equipment or managing cash flow. With local decision-making, competitive rates and a team that knows Florida business, we make it easier to access the capital you need to move forward with confidence.

Key Benefits to Help Your Business Grow

Flexible Options

Flexible Options

Choose from a variety of lending solutions tailored to meet your business’s unique goals.
Fee Structure

Fee Structure

Transparent, competitive rates designed to keep your business moving forward with confidence.
Customer Support

Customer Support

Local experts ready to guide you every step of the way—because your success is our priority.

How to Prepare for a Small Business Loan

Getting your information together before meeting with a small business banker can help make the loan application process easier. Before you get started, gather the business and personal information you may need to discuss your financing needs and complete an application.

To qualify, your business must be located in Florida or Georgia and have been in operation for at least three years.

What You Need to Apply 

Have the following information available:

    • Three years of tax returns for your business and each guarantor
    • A list of your current monthly debt payments
    • Personal financial statements
    • Driver's license information for each owner
    • Identifying information, including date of birth and required documentation, for each individual with 25 percent or more beneficial ownership in the legal entity and one individual with significant managerial control1


Ready to Take the Next Step?

Meet with a small business banker to discuss your financing needs and begin the application process. You can schedule an appointment at a branch or request a consultation for a Business Banker to contact you.

Connect with a Local Banker.

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.

Contact Form

Expert Insights to Power Your Small Business Growth

Stay informed with expert-backed articles on funding strategies, industry trends and financial planning—designed to help Florida businesses grow and thrive.

Confident small business owner

Why Partnering with a Community Bank Is Good Business

Discover the unique advantages of partnering with a community bank for your business needs. Learn how local expertise, personalized service, and strong relationships can drive your business forward.

smallbiz2023

Comprehensive Guide to Business Banking and Financial Success

Unlock the keys to financial success with smart business banking strategies. Explore expert insights and practical tools from Seacoast Bank to help your small business grow and thrive.

SMB_FAQ_Preview

Small Business Lending Frequently Asked Questions

Get the answers you need to make the most of your small business banking experience. Seacoast Bank’s FAQ covers essential topics to help you bank smarter and with confidence.

A Local Lender Invested in the Success of Your Business—and the Community

At Seacoast, we’re more than a bank—we’re your neighbor. Our local teams offer personalized guidance, deep knowledge of Florida’s business landscape and a commitment to reinvesting in the communities we serve. When you grow, we all grow.

We understand the challenges and opportunities unique to Florida businesses. With Seacoast, you get a dedicated team that offers fast decisions, personalized service and a shared commitment to helping your business—and our community—thrive.

 

1. Each time an account is opened for a covered Legal Entity, the Bank Secrecy Act requires us to ask you for identifying information (name, address, date of birth, tax identification number), as well as identification documentation for each individual that has 25 percent or more Beneficial Ownership in the Legal Entity; and, one individual that has Significant Managerial Control of the Legal Entity. If you are opening an account on behalf of a Legal Entity, you will be required to provide name, date of birth, Tax Identification Number, and address. For foreign owners, you also will be asked to provide a copy of the owner’s passport, and certify that all information is true and accurate to the best of your knowledge. You may access a form to be completed before account opening at the following link: CERTIFICATION OF BENEFICIAL OWNERS OF LEGAL ENTITIES.