Lenders
Cogent Bank
Cogent Bank is a Florida bank offering business, private and personal banking, with commercial real estate lending inside its business banking group. Banking centers run across the state — Orlando, Winter Park, Jacksonville, Tampa, Clearwater, Fort Myers, Naples, Bradenton, Ocala and Orange City — alongside a separate commercial banking office in Tampa.
Business lending covers commercial real estate loans and business lines of credit, and the bank markets a set of industry specialties: national net lease finance, business aviation lending, attorney and law firm banking, cannabis business banking, innovation and technology banking, and sports and entertainment banking. On the consumer side it offers conventional, jumbo, FHA, VA and USDA mortgages, construction-to-permanent mortgages and self-directed IRA (SDIRA) lending.
The bank also runs a trust department that can serve in fiduciary roles including personal representative, with trust administration, estate settlement support, fiduciary account management, investment oversight and business succession planning. International banking, treasury management and private banking with a dedicated private banker round out the business, and Cogent Private Wealth is a separate advisory firm the bank links to.
Cogent Bank is a Member FDIC and an Equal Housing Lender, and its routing number is 063114661. The commercial real estate page crawled returned navigation only, so confirm loan sizes, occupancy requirements and any SBA or USDA programs with a commercial lender directly.
Best for
Florida owners and operators who want an in-state bank for a commercial property loan or line of credit, especially in its specialty niches such as net lease, aviation or law firms.
What they do
- Commercial real estate loans
- Business lines of credit
- National net lease finance
- Business aviation lending
- Attorney and law firm banking
- Cannabis business banking
- Self-directed IRA (SDIRA) lending
- Trust and fiduciary services
- Private banking and lending
- International banking services
Details
| Attribute | Value |
|---|---|
| Other offices | Winter Park, FL, Jacksonville, FL, Tampa, FL, Clearwater, FL, Fort Myers, FL, Naples, FL, Bradenton, FL, Ocala, FL, Orange City, FL |
| Memberships | Member FDIC, Equal Housing Lender |
| Lender type | Bank, Portfolio, SBA |
| Cash-out refinance | Yes |
What stands out
- Banking centers in Orlando, Winter Park, Jacksonville, Tampa, Clearwater, Fort Myers, Naples, Bradenton, Ocala and Orange City
- Member FDIC and Equal Housing Lender, with routing number 063114661
- Runs an in-house trust department for fiduciary roles, trust administration and estate settlement