Florida Owner-Occupied Real Estate Loans

Empowering Florida businesses to invest in their future with the financing and support to secure the space they need to grow

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Build, Buy or Expand Your Business Property

Whether you're purchasing a new location, expanding your current space or refinancing an existing property, our commercial real estate loans are designed to help Florida businesses grow with confidence.

Preserve Cash Flow with Flexible Financing

Spread out your real estate investment over time with competitive rates and terms—so you can keep your working capital available for daily operations.

Fast, Local Lending Decisions

Work with Florida-based lenders who understand your market and can provide quick, personalized decisions.1

 

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Financing with Potential Tax Advantages2

Investing in commercial real estate may offer tax benefits such as depreciation and interest deductions—helping you reduce your taxable income while building long-term equity.

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Why Choose a Seacoast Owner-Occupied Real Estate Loan?

  • Loan Amount:  From $50,000 
  • Interest Rates:  Competitive Fixed & Variable Rates Available 
  • Loan Terms:  Range from 10 to 25 years
  • Payments:  Seamlessly have payments automatically pulled from a connected Seacoast Bank business checking account
  • Requirements: Be Florida-based and in business for a minimum of three years

What is OOCRE & Do I Qualify?

OOCRE stands for Owner-Occupied Commercial Real Estate. It refers to a commercial property that is primarily occupied and used by the business that owns it. Typically, the owner-occupant must use at least 51% of the property's space for their own business operations.

Property Types We Finance

Retail Spaces
Retail Spaces
industrial_icon
Industrial Warehouses
Multi-Family Apartment
Multi-Family Apartment
Buildings
Buildings
Hotels
Hotels
Mixed-Use Properties
Mixed-Use Properties

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 control3

 

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.

 

Questions About Owner-Occupied Real Estate Loans with Seacoast Bank 

Frequently Asked Questions

Explore additional Small Business Banking FAQs >

Connect with a Local Lender.

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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 Learn More About Small Business Financing 

See how Seacoast Bank's preferred lender status and knowledgeable team can help you accomplish your goals.

1. Subject to receipt of all required documentation, day, and time of application.
2. Consult your tax advisor.
3. 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