Serving Those Who Served Us

If you are a veteran thinking of starting a business, or you know a veteran interested in entrepreneurship, you should know that resources are available to help you start or grow your business. Florida Capital Bank is an SBA Preferred Lender (PLP), and we work with small business owners every day. The SBA has created programs specifically targeted to veterans, service disabled veterans, and military spouses across the U.S. and at military installations around the globe. Additionally, if you are a service-disabled veteran small business owner, you may be able to compete for government contract work that has been specifically designated for these types of businesses. (Source:

Resources for Veterans 

SBA Veterans Advantage: This is a loan program through the SBA that offers guarantees on loans approved to businesses that are at least 51-percent owned by veterans or military spouses. If this is a program you’d like to learn more about contact Bernie Dandridge at

Small Business Development Center (SBDC) at UNF: The SBDC is a sponsored entity of the SBA and provides resources for veterans and other small business owners.

Veterans Business Outreach Center: The SBA’s Veterans Business Outreach Center for Florida is located in Panama City Beach, and is available to serve First Coast veterans and military spouses. For additional information and support for starting, purchasing, or growing a business visit


 With Florida Capital Bank, you get personalized service, which is hard to get with larger institutions these days. They listen to your needs and respond with timely solutions, and they make time to come out and sit with us face-to-face and work through details. 

Will Montoya
Principal owner and founder of Montoya & Associates

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