Business Term Loans Loans in Florida | Cogent Bank
FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Lost or Stolen Debit Card

To report a lost or stolen debit card please call 407.545.2662 during normal operating hours. After hours, please call 1.800.500.1044 immediately or access www.visa.com

Routing Number

Our Bank Routing and Transit Number is: 063114661

You will be linking to another website not owned or operated by Cogent Bank. Cogent Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Cogent Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Cogent Bank.

If you "Proceed", the link will open in a new window.

Proceed

You are leaving Cogent Bank and going to Cogent Private Wealth, a boutique advisory firm offering comprehensive financial planning and investment management services. Some of their products are NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY; NOT GUARANTEED BY THE BANK; and MAY LOSE VALUE.

If you "Proceed", the link will open in a new window.

Proceed

Please note that by clicking on this email address, you are leaving the Cogent Bank website and accessing an external email platform. Cogent Bank has no control over the content of any communications contained within this platform and cannot be held responsible for any information exchanged. We caution users to be careful when sharing any personal or sensitive information via email, as it may be intercepted or misused by third parties. By using this email platform, you accept full responsibility for any risks that may arise from its use.

If you "Proceed", the link will open in a new window.

Proceed

Menu

Business Banking       Lending      Business Terms Loans

Business Term Loans

Term loans provide an effective way for your  business to fund specific projects and initiatives.

Run the Numbers

All financing and repayment needs are different, and we will analyze your unique situation and make a sound financial decision that will benefit your business now and into the future.

Enhanced
Loan

Loan & Credit
Line Tax Payment

Debt
Consolidation

More
Calculators

Types of Business Term Loans

  • Debt Consolidation
  • Refinancing Opportunities
  • Business Acquisition Financing
  • Permanent Working Capital

While each loan has a unique purpose and set of provisions, you can be sure all Cogent loans offer:

  • Low interest rates
  • Various terms available
  • Pre-approval available
  • Local underwriting and decision making

We’ll always go the extra mile for our client relationships, and ensure we’re acting in their best interest.

SBA Loans: 504 and 7A

Cogent Bank specializes in providing long-term financing to small businesses through the SBA (U.S. Small Business Administration) loan guarantee program.  We have an experienced team of commercial loan specialists who understand the needs of today’s small businesses and stand at the ready to make navigating the loan process easy. 

Difference between SBA and Conventional Loans:

  • Lower down payment
  • Longer amortization/lower monthly payments
  • No balloon payments
  • Use of Funds:
    • Real estate purchase as low at 10% down
    • Construction, refinance, or improvements
    • Majority of space (more than 51%) must be owner-occupied
    • Business acquisition
    • Equipment acquisition
    • Permanent working capital
    • Expansion financing or debt consolidation

What our Clients are Saying

We Are
Moving You
Foward