Lenders
One Florida Bank
One Florida Bank is a Florida community bank that provides commercial real estate financing for new construction, acquisition and refinancing. Its commercial real estate lending covers purchase of office, retail or industrial buildings, refinancing of an existing commercial real estate loan, residential and commercial real estate projects, short-term bridge loans, and permanent fixed-rate financing.
A separate income-producing real estate loan product covers lending for residential real estate projects, acquisition and development funding, real estate improvement, aggregate commitment amounts, and maturities that coincide with project completion. The bank notes that all loans are subject to credit approval and that terms and conditions are subject to change.
Beyond real estate the bank offers business lines of credit, Small Business Administration loans, a Community Association Program, treasury management through its Treasury One Professional platform with ACH origination, Positive Pay, business bill pay and QuickBooks Direct Connect, merchant services, and a full personal banking range.
The bank describes itself as locally owned and managed, with credit decisions made locally by its bankers and a Florida board of directors. It is a Member FDIC, an Equal Housing Lender, and is registered under NMLS #769894. Loan minimums, recourse terms and rates are not published and have to be confirmed with a banker.
Best for
Florida owners and developers who want a local bank for a purchase, refinance, construction or bridge loan on office, retail or industrial property and value locally made credit decisions over a published rate sheet.
What they do
- Commercial real estate purchase loans
- Commercial real estate refinancing
- Construction and development lending
- Short-term bridge loans
- Permanent fixed-rate financing
- Income-producing real estate loans
- Small Business Administration (SBA) loans
- Business lines of credit
- Community Association Program
- Treasury management and Positive Pay
- Merchant services
Details
| Attribute | Value |
|---|---|
| Ownership | Private |
| Other offices | Apopka, FL, Chipley, FL, Longwood, FL, Oviedo, FL, Winter Park, FL |
| Licenses | NMLS #769894, Member FDIC, Equal Housing Lender |
| Lender type | Bank, SBA |
What stands out
- Registered under NMLS #769894; Member FDIC and Equal Housing Lender.
- States it is locally owned and managed, with decisions made by a local team and a Florida board of directors.
- Commercial real estate lending covers purchase, refinance, bridge and permanent fixed-rate financing for office, retail and industrial buildings.
- Treasury management includes ACH origination, Positive Pay and QuickBooks Direct Connect.
- Lists branches at Apopka, Chipley, Downtown South-Orlando, Longwood, Oviedo and Winter Park, plus a corporate headquarters.