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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 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. 

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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 access to larger lump sum funding for start-up costs, equipment, inventory and working capital. 

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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



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Compare our SBA Products

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


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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. 

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Learn More About SBA Loans

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

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Meet Our SBA Team



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
SBA/USDA 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. In 2018 Bernie was recognized by the U.S. Small Business Administration (SBA) North Florida District Office as the North Florida District Small Business Advocate of the Year.

He has a very diverse 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. He also serves on the SBDC (Small Business Development Center) at UNF Bridge Loan Review Committee and is a member of FAMP (Florida Association of Mortgage Professionals) and FSSA (Florida Self Storage Association).

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.

“When it comes to customer service, Florida Capital Bank takes it to the next level. I just love the fact that if something happens, I can text my representative and get a response. Where else can you get that kind of service?” 

Avie Croce
Principal of Avie Croce Law

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