SBA Lending Solutions

As an SBA-approved lender1, Seacoast Bank offers a variety of small business loan options to fit your unique needs

We offer a variety of SBA programs to fit your business needs

Preferred SBA Lender

SBA Lender1

Streamline Application Process

Application Process

Quick Decision & Faster Funding

Quick Decision & Faster Funding

As an SBA-approved lender1, Seacoast is ready to help you acquire the capital needed to grow your business.
We understand as a business owner you want flexible financing options as well as to remain
nimble and agile as you navigate your way to success.


What is Small Business Administration (SBA) Lending?

An SBA Loan is a loan provided to a small business for the purchase of buying fixed assets, like real estate or equipment. What makes SBA Loans different is that they are partially guaranteed by the Small Business Administration, making the business loan safer for all parties.


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

SBA 7(A)

For borrowers who need funds to expand, purchase another business or manage cash flow. 

Use of Funds: 

  • Purchase of owner-occupied commercial real estate, machinery and equipment
  • Working capital and inventory
  • Business acquisition
  • Debt consolidation, refinancing, franchise or start-up financing.


  • Overcome collateral shortfalls
  • Maintain cash balances (through lower down payments and rolling closing costs into the loan)
  • Improve cash flow with longer loan terms


  • Loan amounts up to $5,000,000
  • Longer maturities up to:
    • 25 years on commercial real estate
    • 10 years on working capital
    • 10 years on equipment
  • Fully amortizing (no balloon payments)

SBA 504

For growing businesses and their commercial real estate and/or heavy machinery needs. 

Use of Funds: 

  • Acquisition, building, renovation or expansion of owner-occupied commercial real estate
  • Financing of equipment and machinery.


  • Keep more of your cash in your pocket
  • Reduce your interest expense
  • Mitigate your exposure to interest rate fluctuations
  • Preserve working capital at lower payouts


  • Lower down payments than conventional loans
  • Below-market, long-term, fixed interest rates
  • Up to 25-year amortization for commercial real estate or machinery and equipment financing with a useful life of 10 years or longer

SBA Loan Eligibility

  • Own/operate a for-profit business in the United States
  • Be a small business, as defined by SBA
  • No delinquencies on any existing debt obligations to the U.S. government
  • Must be at least 51% owned by a US citizen or legal permanent resident

Apply For an SBA Loan with Seacoast Bank

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


Frequently Asked Questions

What is a small business?
A small business is defined as an independent business having fewer than 500 employees.
What is an SBA Loan/SBA Loan Program
The U.S. Small Business Administration is a federal agency focused on helping small business owners start, grow, or expand their small businesses by partnering with lenders like Seacoast Bank to provide government-backed business loans. Since the loans are partially guaranteed by the SBA, the program enables small business owners to obtain business loans with fewer equity requirements than conventional business loans.
How does an SBA loan work?
The Small Business Administration (SBA) is a federal agency that helps established businesses grow and helps new businesses get started. As a borrower, you’re not borrowing from the SBA, you’re borrowing from a financial institution like Seacoast Bank that partners with the SBA to provide loans to small businesses.
Why apply for an SBA loan?
SBA loans offer several advantages compared to conventional business loans including lower down payments, longer terms, full amortization, and no balloon payments. SBA loans can also provide financing for businesses that often find it difficult to obtain conventional financing like restaurants, auto repair facilities, self-storage facilities, start-up franchises, and assisted living facilities
What are the approved uses of an SBA loan?
There are numerous uses for an SBA loan such as purchasing or refinancing commercial real estate, equipment financing, debt refinancing, building improvements, business acquisitions, partner buyouts, construction, inventory purchases, working capital and more.
What's the difference between an SBA loan and a conventional business loan?
With a conventional business loan, the bank assumes all of the risk and the loan is subject to the bank lending requirements. With an SBA loan, the bank shares the risk with the SBA, which guarantees a portion of the loan. SBA loans are subject to the lending requirements of both the SBA and the bank.
Are SBA loans the same for all banks?
No. An SBA loan must be approved by the issuing bank, and each bank has its own lending criteria. When you work with an SBA Preferred Lender, you are more likely to receive better terms and a faster application and closing process than a bank that is not an SBA Preferred Lender.
Is Seacoast Bank an SBA Preferred Lender?
Yes. As an SBA Preferred Lender, Seacoast Bank is part of the SBA's effort to streamline the procedures necessary to provide financial assistance to the small business community. This means we meet all of the Preferred Lender Program eligibility criteria, including proficiency in processing and servicing SBA-guaranteed loans.


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

Our Four Promises.

At Seacoast Bank, everything we do is based upon core beliefs summarized in the Four Promises we make to you. When you entrust your banking to us, we promise to:
right team to serve you
Get you comfortable with the right products and the right team to serve you
Make your day-to-day banking simple
Make your day-to-day banking simple
Resolve out-of-the-ordinary items responsively
Resolve out-of-the-ordinary items responsively
Invest in you and your community
Invest in you and your community