Commercial Real Estate Loans in Florida | Cogent Bank

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Our Bank Routing and Transit Number is: 063114661

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Business Banking      Lending      Commercial Real Estate

Real Estate

At Cogent Bank we can help you grow your business with financing solutions for most any
business purpose.

Let our trusted advisors customize
a solution for your capital needs.

A Commercial Real Estate (CRE) loan will provide the funds needed to acquire, renovate, build, or expand your commercial property. We offer a wide variety of CRE loans across a diversity platform Our commercial advisors are here to help you find a loan with the repayment plan and terms that best align with your business goals and strategy.

Owner-Occupied Real Estate

Commercial and Industrial (C&I) Lending

A C&I loan provides either working capital or finances capital expenditures such as machinery or a piece of equipment. These loans are shorter-term in nature and usually backed by collateral.


  • Take advantage of fixed or variable interest rates
  • Explore a range of term lengths to accommodate your repayment needs.
USDA Lending

USDA business loans are loans guaranteed by the U.S. Department of Agriculture (USDA) and made to businesses in certain areas. These loans are very similar to Small Business Administration (SBA) loans, but with a focus on promoting small businesses and job formation in qualified census tracts and range in amount from $2,000,000 to $25,000,000.

These loans can be used for:

  • Business modernization, development or repair
  • Commercial real estate purchase, development or improvement
  • Machinery, equipment, supplies or inventory purchase(s)
  • Working capital
  • Integrated agriculture production or processing facilities
  • Debt refinancing when it improves cash flow and creates  jobs
  • Business acquisition when the loan will create or save jobs
SBA: 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

Business Cents

Have you ever wondered the value of your business?  Do you know how much you need to sell to make a profit, the best price to sell your products, or the amount of inventory you should hold? Run the numbers using our calculators below.





Investment Real Estate

If you occupy less than 50% of your property’s leasable space, a commercial investment loan might be right for you. The most common commercial investment property types are: office, retail, industrial/warehouse, self-storage, and hospitality, although we will consider other property types on a case-by-case basis.

We offer the following three types of investment loans.

  • Permanent Financing
  • Bridge Financing
  • Construction to Mini-Permanent Financing

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

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Moving You