Corporate & Commercial

Whether you're expanding a business model or seeking real estate for a new office, Raymond James Bank will work with you to design a financing program suitable for your specific needs.

General terms

• Loans from $10 million to $40 million
• 3- to 7-year term loan maturity, with up to 30 years of amortization
• 1 to 5 years of revolving loan maturity

Corporate loans and lines of credit

Ideal for acquisitions, refinances and a variety of other business purposes, our corporate term loans and lines of credit offer financing for clients with needs starting at $10 million. Additionally, we provide financing and refinancing of commercial real estate, with commercial real estate loans starting at $10 million.

Qualifying business types

• Manufacturers
• Distributors
• Retailers
• Service providers
• Healthcare
• Media and Telecommunications

Collateral accepted

• General corporate assets including but not limited to accounts receivable, inventory, and fixed assets like machinery, equipment and certain real estate

General characteristics

• Business operating cash flow should cover debt payments in varying economic scenarios
• Asset collateral should provide adequate coverage for loan requirements
• Business should have positive historical trends and defendable economic projections

Commercial real estate loans

Whether it’s new property for expanding businesses, income-producing apartments, office buildings or distribution facilities, we provide financing and refinancing for commercial real estate starting at $10 million.

Eligible property types

• Multifamily
• Retail
• Lodging
• Office
• Light industrial/warehouse/distribution
• Triple-net leased assets
• Data centers
• Senior housing

General guidelines

• Loan to values and loan to cost of up to 70%
• Minimum debt service coverage of 1.20x
• Principal recourse is strongly preferred or “as appropriate”

Discouraged collateral types

• Commercial and residential land/acquisition and development loans
• Warehouse/revolving lines of credit
• Construction financing
• Agricultural lending
• Equity cash outs

For more information, contact the Corporate & Commercial Banking team at 727.567.6339.

Products, terms, and conditions subject to change. Subject to standard credit criteria. Property insurance required. Flood insurance required if property is located in a designated flood zone of “A” or “V”. Call Raymond James Bank for rates and other information.