Seacoast National Bank

This is a branch of Seacoast National Bank offering SBA loan programs and financial services designed to support small and medium-sized businesses in the local community and beyond.

It's recommended to schedule an appointment to ensure dedicated time with a loan officer, but walk-ins are also welcome during business hours.

Seacoast National Bank's Stuart, Colorado branch lobby is open Monday-Thursday 9:00 AM-4:00 PM and Friday 9:00 AM-5:30 PM, while the drive-thru opens at 8:00 AM with the same closing times. The branch is closed weekends. Confirm current hours with the bank.

There are no fees to visit the branch; however, loan application and processing fees may apply depending on the services used.

This branch primarily serves local residents and businesses within the community, but SBA loan programs are available to eligible applicants nationwide.

A minimum credit score of around 640 is generally preferred, though higher scores may result in more favorable terms.

The underwriting process typically takes between 30 to 60 days, depending on the complexity of the application and completeness of documentation.

Seacoast National Bank's Stuart, Colorado branch is closed on weekends (Saturday-Sunday). Confirm with the bank about any holiday exceptions.

Seacoast National Bank is located in Florida — see the contact card for the full address. Most bank locations offer free on-site or nearby street parking for visitors. For exact directions, the entrance, and accessible parking, use the listed address or call ahead and staff can point you to visitor spaces.

This page is an independent directory listing for Seacoast National Bank, an SBA-participating bank. It is maintained by SBA Lenders USA to help borrowers compare lenders — not by Seacoast National Bank itself, which runs its own lending under its own ownership. If you work at Seacoast National Bank, you can claim this listing from this page to manage it.

The core details for Seacoast National Bank — name, location, contact, and lender type — are compiled from public records and reviewed periodically. Rates, programs, credit policies, and hours change often and are not guaranteed here, so always confirm the latest terms directly with Seacoast National Bank before applying. If you represent Seacoast National Bank, claim this listing to keep its information up to date.

You can reach Seacoast National Bank by phone at (772) 221-2760 or online at seacoastbank.com — the details are in the contact card on this page. For SBA loans specifically, ask for their business lending or SBA department. Treat this directory page as a starting point and confirm hours and contact details with Seacoast National Bank before relying on them.

Based on its approved SBA loans, Seacoast National Bank most often finances businesses in construction & contractors, restaurants & food service, medical practices & clinics, general retail, wholesale & distribution, and manufacturing. This reflects Seacoast National Bank's real SBA 7(a) and 504 lending history rather than a stated policy — it can still consider other industries and sets its own current preferences, so confirm with Seacoast National Bank which sectors it actively lends to before you apply.

SBA Express offers lines of credit and term loans up to $500,000 with a faster turnaround than standard 7(a) loans. Whether Seacoast National Bank participates in SBA Express depends on its specific SBA lending authority. Contact Seacoast National Bank and ask if it offers SBA Express and what the current limits and terms look like for your situation.

SBA Preferred Lender Program (PLP) status lets a lender approve loans in-house without sending each one to the SBA first, which usually means faster decisions. Many established banks hold PLP status, but it varies by institution. Seacoast National Bank can confirm its current PLP standing — ask before you apply if speed matters to you.

The SBA does fund start-ups, but many traditional lenders prefer at least two years of operating history and may ask newer ventures for a larger equity injection or stronger collateral. Seacoast National Bank's appetite for start-ups is set by its own credit policy. If you are early-stage or pre-revenue, ask Seacoast National Bank directly whether it considers start-up loans.

For SBA 7(a) and 504 commercial real estate loans, borrowers typically contribute around 10% to 20% as a down payment or equity injection, depending on the property and the deal. Exact requirements vary with your credit, the business, and the lender's policy. Ask Seacoast National Bank what down payment it expects for your specific commercial real estate purchase.

SBA 7(a) loans with terms under 15 years generally carry no prepayment penalty, while longer real estate loans can have one in the early years. Short-term working capital lines often have no penalty, but terms vary by lender. Review your loan agreement and ask Seacoast National Bank to spell out any prepayment penalties before you sign.

SBA loans can be used for a partner or owner buyout, including buying out an existing equity partner, when the deal is structured to meet SBA rules — for example, the remaining owner generally must stay actively involved. Approval depends on the specifics, so discuss your buyout plan with Seacoast National Bank to confirm it qualifies and how to document it.

A past personal bankruptcy does not automatically disqualify you from an SBA loan. Lenders look at how long ago it was discharged, the circumstances, and how your credit has recovered since. Seacoast National Bank weighs this case by case under its own policy, so be upfront about your history and ask Seacoast National Bank how it evaluates prior bankruptcies.