Cogent Bank

Cogent Bank is a Florida community bank with 12 banking centers. Its commercial investment loans cover property where the borrower occupies less than 50 percent of the leasable space, and its site names office, retail, industrial, self-storage, hospitality, medical office, and mixed-use property.

The bank is also an SBA 504 and 7(a) lender and offers USDA loans from $2 million to $25 million. Refinancing to access equity is mentioned; recourse terms are not published.