Lenders
Seacoast Bank
Seacoast Bank is a Florida community and commercial bank founded in 1926 in Stuart. Its commercial lending covers commercial real estate loans, owner-occupied commercial real estate, commercial lines of credit, and receivables funding and factoring.
Commercial customers work with a local banker, and the bank's material stresses local decision-making alongside the capabilities of a larger institution. Treasury and payment services include remote deposit capture, lockbox, ACH debit and credit origination, merchant card processing on Clover technology, payroll processing, positive pay fraud protection, liquidity management, and account reconcilement.
Beyond commercial banking, Seacoast offers personal banking, residential mortgages including fixed-rate, adjustable-rate, jumbo, construction and lot loans, home equity lines of credit, wealth and investment management, and business transition planning.
The legal entity is Seacoast National Bank, operating 104 branches in Florida and Georgia. It is an Equal Housing Lender and Member FDIC under NMLS# 608046. Loan minimums, rates, and recourse terms are not published; the site routes borrowers to a consultation with a local commercial banker.
Best for
Florida and Georgia borrowers who want a local commercial banker for income-producing or owner-occupied commercial property, plus treasury and deposit services at the same bank. Not a fit for borrowers outside that footprint.
What they do
- Commercial real estate loans
- Owner-occupied commercial real estate loans
- Commercial lines of credit
- Receivables funding and factoring
- Treasury and liquidity management
- Merchant services and payment processing
- Residential, construction, and lot mortgages
- Wealth management and business transition planning
Details
| Attribute | Value |
|---|---|
| Founded | 1926 |
| Licenses | NMLS# 608046, Member FDIC |
| Lender type | Bank, SBA |
| Cash-out refinance | Yes |
What stands out
- Founded in 1926 in Stuart, Florida, and operating as Seacoast National Bank.
- Runs 104 branches across Florida and Georgia.
- Equal Housing Lender and Member FDIC under NMLS# 608046.
- Merchant services are underwritten and provided by First Data Merchant Services LLC, not by the bank itself.