Business Term Loans Loans in Florida | Cogent Bank

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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.


Loan & Credit
Line Tax Payment



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

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