Access flexible funding tailored to meet the unique needs of Florida’s small businesses—fast, reliable, and ready when you need it.
From expenses to expansions to buying new inventory, a small business line of credit is a great solution when you need funds fast. Like a credit card, a small business line of credit allows you to secure capital within your credit limit and only pay interest on the amount you borrow. Seacoast Bank has been helping Florida small businesses thrive for decades; see how we can help you reach higher.
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A business line of credit is one of the most versatile financing tools available to small business owners. It provides ongoing access to funds that can be used strategically to support your operations, manage cash flow and fuel growth. Here are some of the most effective ways to use it:
Purchase Inventory When You Need It Most
Take advantage of supplier discounts or prepare for seasonal demand by stocking up on inventory without straining your cash reserves.
Manage Seasonal or Irregular Cash Flow
Smooth out the ups and downs of your revenue cycle by using your line of credit to cover short-term gaps—especially useful for businesses with seasonal fluctuations.
Cover Payroll and Operating Expenses
Ensure your team gets paid and your operations run smoothly, even during slower months or unexpected downturns.
Fund Short-Term Projects or Marketing Campaigns
Launch a new product, run a promotional campaign or invest in a short-term opportunity with confidence, knowing you have flexible funding at your fingertips.
Handle Unexpected Expenses
From emergency repairs to last-minute vendor payments, a line of credit gives you the financial cushion to respond quickly without disrupting your budget.
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It depends on your business needs. A small business loan is ideal for one-time investments like equipment or expansion. A line of credit offers ongoing access to funds, perfect for managing day-to-day expenses or seasonal fluctuations. At Seacoast Bank, we help you choose the right solution—or a combination of both—to support your goals.
Check out some of the latest trends, technologies and strategies to help your business move forward.
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2. 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
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