IMPORTANT NOTICE: Customers may experience intermittent service with their mobile app and debit card this weekend due to system upgrades. We are working to resolve these issues as quickly as possible. We apologize for the inconvenience. 

A giant stone face at The Bayon temple in Angkor Thom, Cambodia


At Florida Capital Bank, we recognize that businesses are the backbone of the economy and our communities.Their growth is critical to the financial success of our country. A key component to their growth is funding, and our mission is to provide access to the extra financial boost your company may need with a Small Business Administration (SBA) or USDA B&I Loan.¹ 

Both the SBA and USDA B&I loan programs provide unique solutions to a meet a business’s particular lending need. Each type of loan has its own eligibility criteria and our experienced SBA Specialists can guide you through the application and loan process. 


SBA loans provide significant advantages for-profit and not for profit businesses compared to other types of business financing; such as lower down payments and longer repayment terms, enabling businesses to access to larger lump sum funding for start-up costs, equipment, inventory and working capital. 

Get Started Now

Visit our Business Loan Resource Center Here

¹ All loans are subject to credit review and approval. Applicants must meet the SBA’s credit and eligibility standards


Loans Disclaimer: 

Compare our SBA Products

Click the button below to download our SBA product comparison chart and learn more about our SBA product offerings.


Open SBA Comparison Chart


Florida Capital Bank is committed to helping business owners gain control of the challenges associated with running a business. We want to be "more than your bank." Our goal is to provide compreshensive financial solutions that build and propel your business forward. To achieve that goal we established Florida Capital Advisors; a company dedicated to providing advice to owners of privately held companies on value enhancement and ownership transition strategies. 

        LEARN MORE




Learn More About SBA Loans

Find out how you can get your loan approved and avoid a long, strenuous application process with our eBook!

Download our eBook

Meet Our SBA Team

Kendra Vincenty
Director of Operations and Credit Administration for Government Lending

Email: Kendra Vincenty | Phone: 904.245.7094

“I am committed to aiding Florida Capital Bank and its clients as we all move forward in our journey to grow small businesses and help them achieve success.”

Kendra Vincenty recently joined Florida Capital Bank as the Director of Operations and Credit Administration for Government Lending. Previously, Kendra served as the Government Lending Manager for First Financial Bank in Cincinnati, Ohio. She has been actively involved in Small Business Administration (SBA) lending since 1996, when she helped launch the MicroLoan program to promote economic development through a Community Development Corporation in Columbus, Ohio. Kendra’s responsibilities expanded to include lending in 2002 when she joined Commerce National Bank to develop its SBA programs. In 2009 after that bank was consolidated into First Merchants Bank, Kendra was named Director of Government Lending. Her depth of experience in SBA lending provides her the insight to serve a three-year term on the National Association of Government Guaranteed Lending (NAGGL) board of directors as a representative of small lending institutions. As an instructor for NAGGL, she trains her peers on a variety of topics. 

Steve St. Clair
Senior Vice President, USDA Loan Specialist

Email: Steve St. Clair | Phone: 727.456.6226

“With over 30 years in banking and financial services, my knowledge can help businesses secure the funding needed to grow their business.”

Mr. St. Clair is our Government Guaranteed Lending USDA Specialist. Steve has expertise financing charter schools as well as other special use commercial real estate. Since joining Florida Capital Bank in 2006, Steve has underwritten and originated commercial loans for the bank in addition to managing various business client relationships. Mr. St. Clair holds a Bachelor’s of Science in Agricultural Science and Management from UC Davis and is a Private Pilot with over 250 hours of qualified flight time. 

Bernie Dandridge
USDA/SBA Business Development Specialist - Florida and Southeast Georgia

Email: Bernie Dandridge | Phone: 904.993.0603

“I am passionate about helping businesses reach their growth potential.”

A long-term resident of northeast Florida coupled with over 30 years of business development and loan origination experience, Bernie is able to assist business owners in gaining the financial support needed to push their business forward. His expert knowledge of the market allows Bernie to help business owners maximize growth and expansion opportunities, specifically with SBA 7(a) and USDA loans. He has a very diverse business experience background lending to businesses involved in the manufacturing, hospitality, aquaculture, retail, medical, and franchising industries. Bernie is the Chairman of the banking committee with the SBRN (Small Business Resource Network – North Florida) and a member of FAMP (Florida Association of Mortgage Professionals).

Peter Allport, CEPA
Senior Vice President

Email: Peter Allport | Phone: 407.540.5806

Peter has worked in a commercial banking and financial advisory capacity for nearly 30 years. Peter works with privately held companies on commercial and SBA lending. Throughout his career, Peter has worked with companies in numerous industries including those in the manufacturing, medical and wholesale distribution fields. Prior to joining Florida Capital in March 2007, Mr. Allport spent 20 years with Wachovia Bank (now a Wells Fargo Company) in a similar capacity. Mr. Allport earned a Bachelor’s degree in Economics from Rollins College and is a past President of the Winter Park Racquet Club. Peter has also earned the Certified Exit Planning Advisor from the Exit Planning Institute.

Ed Newton
SVP, Commercial Lender

Email: Ed Newton | Phone: 813.904.4862

Ed Newton serves as the Senior Vice President of Commercial Lending for FLCB. Ed comes to the team with nearly 30 years of experience, specifically in the Tampa Market. Ed has a long-term history of underwriting and managing both C&I and real estate credit facilities. He also has been responsible for multi-million dollar loan portfolios with various banks including SouthTrust Bank, The Bank of Tampa, and Stonegate Bank. Ed holds a BA in Economics from Washington & Lee University, and he is currently a chairman of the Sunshine State Economic Development Corporation. He is an Instrument Flight Rated pilot, and enjoys boating and fishing.

Leslie Daily
VP, Commercial Lending

Email: Leslie Daily | Phone: 904.524.3345

Leslie has joined the Florida Capital Bank team as Vice President of Commercial Lending. She has been in the banking and finance industry for over 20 years, working in various sectors such as business development, banking branch management, loan origination for consumer and commercial loans, underwriting and credit analysis. Leslie is a member of the Small Business Resource Network (SBRN) in Jacksonville, Florida, and has served on the boards and volunteer teams of a number of nonprofit organizations.

“Everyone at Florida Capital Bank is very responsive; they care about the business as much as you do,”

Chin Hsieh
Partner of West Georgia Café Inc.dba Dunkin Donuts

Latest News

Read Our Blog