business loans

Local business. Local loans.

Support only people in your community can provide.

We understand the needs and challenges of a business. We’re right here in the community, and the people you speak with at South Coast Bank are the people who will see your lending need through to the very end.

Lending decisions are made right here in the Golden Isles, so you don’t have to wait long. We know businesses have needs that arise quickly, and our local Board of Directors understands that, too. Our decision-makers are here.

We have helped many businesses grow and thrive. And we’d love to do the same for you.

Local businesses.

Business Loan Options

Business Line of Credit

A flexible option which allows you to borrow up to a certain limit, pay interest only on the portion you borrow and manage repayment to match your cash flow.

  • Support working capital needs
  • Manage seasonal cash fluctuations
  • Flexible repayment structures available

Working Capital Loans

  • A committed credit facility allowing your business to borrow funds, repay the loan, and borrow again as needed
  • Advance and repay principal to match the cycle of your company’s collection of assets
  • Working capital loans may be permanent—or you may wish to structure the line to reduce over a specified period
  • Can be structured with a longer maturity date; options typically include converting all or a portion of the amount outstanding to a term loan

Business Term Loans

A single advance loan that is repaid regularly, at an agreed-upon interest rate, over a set amount of time.

  • Expand facilities
  • Purchase equipment and fixed assets
  • Consolidate debt
  • Increase working capital
  • Permanent commercial real estate financing available

Commercial Real Estate Lending

Secure a mortgage on an office building, shopping center, or other commercial space—new construction, acquisition or refinancing options are available.

  • Construction of a new office or building 
  • Purchase leased property
  • Refinance an existing commercial real estate loan

Business Real Estate Loans

  • Residential and commercial real estate projects
  • Construction loans
  • Short-term bridge loans

Income-Producing Real Estate Loans

  • Retail
  • Office
  • Multi-family
  • Industrial

Development Loans

  • Lending for residential real estate projects
  • Land loans
  • Acquisition and development funding
  • Lot financing

Construction Loans

  • Lending to improve real property
  • Maturity coincides with project completion

United States Department of Agriculture Business & Industry (USDA B&I) loans

Designed to help save and create jobs, this loan guarantee program aims to assist credit-worthy rural businesses grow.

Small Business Administration (SBA) loans

These loans are designed to help small businesses succeed. They offer the stability that comes with being backed by the U.S. government, along with the flexibility of working with our loan officers.

We will partner with your business to identify the program that best fits your company’s needs.

Loan Benefits

  • Business acquisition
  • Enterprise refinancing
  • Improve cash flow with longer terms
  • Reduced debt service requirements
  • Fully amortizing loans

Loan Programs

  • 7(a) – The most common type, 7(a) loans are available to the majority of small businesses to have access to working capital, for a maximum of $2 million.
  • CDC/504 – This loan program provides long-term financing on major fixed assets like land and buildings. CDC/504 loans are designed to contribute to the economic development of communities and have a maximum loan amount of $1.5 million.


Try different loan amounts, different down payments or different terms. Our online calculators will help you figure out what works for you.

Ready to switch to South Coast Bank?

We’re ready to help. Call now, or drop by one of our branches. Numbers and addresses can be found here.

ABA Routing Number: 061221310

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Please note that our lobbies are closed at this time. Our drive thrus remain fully functional, along with our Customer Care Center, ITMs, Online Banking, Mobile Banking, Telephone Banking, Text Banking, Online Chat and full suite of Cash Management services. To access lobby services, please call to schedule an appointment.

This decision was not made lightly, but we must do our part to ensure the health and safety of our customers, community, and team.

We remain committed to serving you throughout this time and ask that you please reach out to us with any need or concern. We are here, we are listening, and we are in this together.