Grow Through Commercial Government Guaranteed Loans

At Florida Capital Bank, we are proud to lend to small and medium-sized businesses. This financing gives companies opportunities to build, grow and become established when they can’t borrow money using normal or conventional means. 

FLCBank focuses on two types of commercial Government Guaranteed Loan programs (GGL Lending). They include:

  • USDA Loans
  • SBA Loans

“What we’re interested in is supporting our local community and helping people in Florida and in other areas they may work within our profile to grow and develop and become bigger and more successful. Creating jobs in the local community, creating success and providing the means to create local products and services people need.” – Steve St. Clair, SBA/USDA Business Development Specialist

In this guide, we break down how, as your lender, a Business Relationship Banker will walk with you through the entire SBA Loan Process. 



  1. FLCBank: Walking With You Through the SBA Loan Process 
  2. Customizing To Your Needs with FLCBank
  3. Get Started With a Business Development Specialist Today


FLCBank: Walking With You Through the Loan Process: 

The U.S Small Business Administration defines a small business as any business with 499 employees or less. According to SBA guidelines, to qualify for an SBA loan, you must:

  • Operate for profit.
  • Have a business located in the U.S. or its territories business is located in the U.S. or its territories.
  • Have reasonable owner equity to invest.
  • Be willing to use additional  financial resources, including personal assets, before seeking financial assistance.


As your lender, FLCBank will walk with you in every stage of the loan transaction. Our process includes:

  1. Talking with you as a potential borrower through an introductory conversation allowing  us to get to know your business needs better 
  2. Helping you put all of the necessary documents together so that you can submit a complete loan package.

Once our lenders approve your documentation to move forward and we work with you to complete your loan application all the way to the closing table.

“It’s important to that we provide appropriate financing for creditable small business people that really understand the value of what they are doing and the importance of what they provide to the community” – Steve St. Clair, SBA/USDA Business Development Specialist

FLCBank is dedicated to your loan even after it closes. We are always asking: “how are you doing after the fact?” We believe closing your loan is just as important, if not more important, than all of the preceding steps. 


Customizing To Your Needs with FLCBank:

At FLCBank, we try to customize what we do to our clients’ needs. We believe it is essential that you understand every step of the borrowing process and we make it our mission to walk alongside you throughout for any questions or support you may need. On a daily basis, we are looking for ways to make a loan work to make sense for everyone involved. We are after putting together packages that make sense for everybody involved.


Get Started With a Business Development Specialist Today:

If you are looking to take advantage of an opportunity to start a business or expand a business and need some additional funding to do that, FLCBank would love to hear from you. We are ready to be your partner.

Click Here to get started with one of our Business Development Specialists today!