SBA Loans

As an SBA-approved lender1, 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.

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.

Streamline Application Process

Streamline
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.

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.

Uses of Funds
    • Purchase owner-occupied commercial real estate, machinery and equipment
    • Improve working capital and inventory
    • Finance business acquisitions
    • Refinance existing debt or secure funding for franchise or startup ventures
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
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.

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.

Uses of Funds
    • Acquire, build, renovate or expand owner-occupied commercial real estate
    • Finance essential equipment and machinery purchases
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
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

Learn More About Seacoast SBA Loans

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

 

SBA Loan FAQs

Frequently Asked Questions

What resources are available to help me prepare my SBA loan application?

Several resources are available to help you prepare your SBA loan application, including:

    • Seacoast Bank Preferred SBA Lender: contact a loan specialist to answer any questions you may have.
    • SBA Resource Partners: Offer additional guidance and support.
    • Visit our FAQs for more resources and small business lending options.

This guarantee makes SBA loans more attractive to lenders, allowing them to offer you:

    • Favorable loan terms - SBA loans often come with lower interest rates and longer repayment periods compared to traditional business loans. This translates to more manageable monthly payments and frees up valuable cash flow for you to invest in your business.
    • Reduced risk for lenders - The SBA’s partial guarantee reduces the risk for lenders, allowing us to offer SBA loans to a wider range of qualified businesses. This means even if you’re a startup or a young company, you may still be eligible for an SBA loan.
    • Access to larger loan amounts - SBA loans can provide larger sums of money compared to many traditional business loans. This allows you to make significant investments in your business, like purchasing commercial real estate, acquiring new equipment or expanding your inventory.

 


SBA-LenderDecal-FINAL

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