SBA Loans for Small Businesses in Florida & Beyond

As an SBA-approved bank, Seacoast Bank offers a variety of small business loan options to fit your unique needs. Whether you're starting, expanding or refinancing, our flexible SBA loan options are designed to align with your business objectives.

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Why Choose Seacoast Bank For Your SBA Financing?

Seacoast Bank is your one-stop shop for unlocking your business potential with SBA loans. Here’s why we’re the perfect partner for your success.

Preferred SBA Lender

Preferred
SBA Lender1

Our SBA loan programs can be customized to your specific needs, whether you’re starting a new venture, expanding your operations or refinancing existing debt.

You can even combine multiple financing needs into a single loan for simplified management.

Streamlined Application Process

Streamlined
Application Process

We value your time. Our application process is designed for efficiency so you can focus on running your business.

Quick Decision & Faster Funding

Quick Decision &
Faster Funding

Get the green light quickly. We work hard to deliver fast decisions and get the capital you need in your hands quickly.

As an SBA-approved lender, Seacoast is ready to help you acquire the capital needed to grow your business.

 

Seacoast Bank SBA Loan Program

Our funding options can be customized to fit any growing business's needs and can combine multiple needs into one loan.

With the Small Business Administration on your side, you can take the first step toward achieving your ultimate goals while maintaining financial stability and control.

At Seacoast Bank, we understand that every business has unique needs. That’s why we offer a variety of SBA loan programs designed to be customized and adaptable to your specific goals, including the 7(a) and 504 loans.

Find the Right SBA Loan for Your Business

SBA 7(a) Loan

This versatile loan program is ideal for a wide range of business needs, whether you’re looking to expand your operations, acquire another business, manage cash flow or consolidate existing debt.

Features
    • Loan amounts up to $5 million
    • Flexible repayment terms
      • Up to 25 years for commercial real estate financing
      • Up to 10 years for working capital loans
      • Up to 10 years for equipment financing
    • Fully amortizing loans with no balloon payments, ensuring predictable budgeting.
Benefits
    • Overcome potential collateral limitations
    • Maintain healthy cash balances through lower down payments and the option to roll closing costs into the loan
    • Enhance cash flow with extended loan terms
Uses of Funds
    • icon money bagPurchase owner-occupied commercial real estate, machinery and equipment
    • icon inventory listImprove working capital and inventory
    • icon acquisitionsFinance business acquisitions
    • icon refinancingRefinance existing debt or secure funding for franchise or startup ventures

SBA 504 Loan

This program is specifically designed to support the long-term growth of established businesses with commercial real estate and/or heavy machinery needs.

Features
    • Lower down payments compared to traditional loans
    • Competitive, long-term fixed-interest SBA loan rates
    • Extended repayment terms, with amortization periods of up to 25 years for commercial real estate and 10 years or more for qualifying equipment
Benefits
    • Conserve your working capital by leveraging lower down payments
    • Secure below-market, fixed interest rates for long-term financial stability
    • Mitigate the impact of future interest rate fluctuations
    • Minimize your cash outflow with lower monthly payments
Uses of Funds
    • icon commercial buildingsAcquire, build, renovate or expand owner-occupied commercial real estate
    • icon fleet truckFinance essential equipment and machinery purchases

A Florida Lender Invested in the Success of Your Business

At Seacoast Bank, we’re proud to be a Florida-based SBA-preferred lender with a deep commitment to the communities we serve. Whether you're launching a tech startup in Orlando, expanding a family-owned restaurant in Tampa or modernizing your agricultural operation in the Panhandle, our team understands the unique needs of your industry and region. We offer personalized guidance, local decision-making and flexible SBA loan options designed to help your business grow. With Seacoast, you’re not just getting funding—you’re gaining a partner who’s invested in your long-term success.

How Do I Apply for an SBA Loan?

Applying for an SBA loan at Seacoast Bank is straightforward. Here's what to expect:

  • Schedule a consultation—Our friendly loan specialists are happy to discuss your needs and answer any questions you may have.
  • Gather documents—We'll guide you through the required documentation to streamline the application process.
  • Submit your application—Our online application is quick and easy to navigate.
  • Seamless support—We'll handle the legwork and keep you informed throughout the process.

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SBA Loan Resources

Preparing to apply for an SBA loan? Seacoast Bank offers a range of resources to help guide you through the process with confidence.

Helpful Tools and Support

Why SBA Loans Are a Smart Choice

SBA loans are partially guaranteed by the U.S. Small Business Administration, making them a flexible and accessible financing option for many small businesses. With an SBA loan from Seacoast Bank, you can benefit from:

  • Favorable loan terms - Enjoy lower interest rates and longer repayment periods, helping you manage monthly payments and preserve cash flow.
  • Reduced risk for lenders - Thanks to the SBA guarantee, we can offer loans to a broader range of businesses—including startups and newer ventures.
  • Access to larger loan amounts - SBA loans can provide substantial funding for major investments like commercial real estate, equipment purchases or inventory expansion.

 


SBA-LenderDecal-FINAL

1. Approved to offer SBA loan products under SBA's Preferred Lenders Program

Questions About SBA Loans With Seacoast Bank 

Frequently Asked Questions

Small Business Financing Resources

Learn More About Seacoast SBA Loans

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