SBA 504 Loan Interest Rates
Official monthly SBA 504 effective interest rate tables can be found at Eagle Compliance LLC. 25- and 20-year term loans fund every month; 10-year term loans fund every other month. Effective interest rates are inclusive of servicing fees, which are subject to credit risk of the applicant.
Meet Florida First Capital's sales force, a dynamic group of skilled small business lending professionals at your service.
Deborah serves as Senior Vice President & Sales and Marketing Manager and is based in Delray Beach. She has overall responsibility for FFCFC sales and marketing personnel throughout the state of Florida.
Deborah has more than 35 years of experience in the real estate industry. Before relocating to South Florida, she was an officer of Pilgrim Colony Homes, Inc., and its subsidiaries. Deborah was responsible for developing over 500 single family homes and several commercial and industrial parks in Massachusetts. She then formed Domenic Financial to originate A&D loans for local developers.
Before becoming FFCFC's top producing Business Development Officer, Deborah was the Vice President of Research and Finance for the Broward Alliance and was responsible for processing industrial revenue bonds and tax credits for Broward County. She has a B.S from Emmanuel College and an M.B.A from Simmons Business School, Simmons College, Boston, MA.
You can reach Deborah at 561.756.1745 or by email at deborah@ffcfc.com.
Dana serves as a Vice President and Business Development Officer for the Southeast Florida territory and is based in Sunrise. Previously, she served as a Vice President/Business Development Officer of SBA Lending with Community South Bank and as a Business Banker with HSBC Bank. She also owned and operated a My GYM Children's Fitness Center specializing in physical and social development.
Dana is responsible for six Southeast counties: Broward, Indian River, Martin, Okeechobee, Palm Beach and St. Lucie.
You can reach Dana at 561.400.2084 or by email at dana@ffcfc.com.
Carlos serves as a Vice President and Business Development Officer for the South Florida area and is based in Miami. He has more than 20 years of lending and marketing experience. Prior to joining the company, Carlos served as a Vice President, Commercial Lender, for Espirito Santo Bank in Miami. He also holds a Florida mortgage broker's license, and he is fluent in Spanish and Portuguese.
Carlos is responsible for two South Florida counties: Miami-Dade and Monroe.
You can reach Carlos at 786.845.0405 or by email at carlos@ffcfc.com.
John serves as a Vice President and Business Development Officer for the Central Florida area and is based in Orlando. He has more than 10 years of experience in finance and marketing. Prior to joining the company, he was Vice President and Account Executive for GE Commercial Finance in Orlando. John also served as a Credit Manager for Wells Fargo & Company. He received an MBA from Rollins College.
John is responsible for 10 Central Florida counties: Brevard, Citrus, Lake, Levy, Marion, Orange, Osceola, Seminole, Sumter and Volusia.
You can reach John at 407.276.4961 or by email at john@ffcfc.com.
James serves as a Vice President and Business Development Officer for the Northwest & Florida Panhandle area and is based in Pensacola. James re-joined the company in 2010 after parting in 2008 to serve as chief operating officer for Martin Construction, Inc. in Atmore, AL. James formerly served as a Vice President for FFCFC between 2002 and 2008. As a former Certified Business Analyst with the University of West Florida Small Business Development Center (SBDC), James is well versed in assisting clients with preparing applications for Small Business Administration loans, developing business plans, improving management procedures and expanding marketing activities. He is a member of the SBDC Network's “Lenders Hall of Fame,” and he was named one of Florida Trend Magazine's Trendsetters: Today and Beyond.
James is responsible for 18 Northwest & Florida Panhandle counties: Bay, Calhoun, Escambia, Franklin, Gadsden, Gulf, Holmes, Jackson, Jefferson, Leon, Liberty, Madison, Okaloosa, Santa Rosa, Taylor, Wakulla, Walton and Washington.
You can reach James at 850.393.0496 or by email at james@ffcfc.com.
Loretta serves as a Vice President and Business Development Officer for the Southwest Florida territory and is based in Bonita Springs. She has more than 40 years of experience in finance management, underwriting and business development. Prior to joining FFCFC, Loretta served as a Commercial Lending Business Development Officer and Team Leader Vice President for HSBC US NA, in Brooklyn, NY.
Loretta is responsible for 10 Southwest Florida counties: Charlotte, Collier, De Soto, Glades, Hardee, Hendry, Highlands, Lee, Manatee and Sarasota counties.
You can reach Loretta at 239.877.4794 or by email at loretta@ffcfc.com.
Ron serves as a Vice President and Business Development Officer for the Tampa/St. Petersburg area and is based in Largo. He is a State of Florida certified general appraiser and licensed real estate agent. Prior to joining FFCFC, Ron served as Executive Vice President of The Dohring Group, a commercial appraisal, brokerage and development services group in Tampa. He also brings a wealth of financial experience and is well versed in SBA lending having worked as a commercial lender for Colonial Bank and Banco Popular.
Ron is responsible for five counties in the Tampa/St. Petersburg area: Hernando, Hillsborough, Pasco, Pinellas and Polk.
You can reach Ron at 727.871.8033 or by email at ron@ffcfc.com.
Kristen serves as a Vice President and Business Development Officer for the Northeast Florida territory and is based in Jacksonville. Over the last seven years, Kristen has put together hundreds of deals resulting in hundreds of millions of dollars in Small Business Administration (SBA) 504 loans. She has consistently been one of the industry's top producers. Kristen earned a B.A. in Business Administration and a B.A. in Marketing from the University of North Florida. She also has successfully completed various banking courses through the Risk Management Association and the National Association of Development Companies. Prior to joining FFCFC, she worked as a Business Development Officer for the Jacksonville Economic Development Company.
Kristen is responsible for 16 Northeast Florida counties: Alachua, Baker, Bradford, Clay, Columbia, Dixie, Duval, Flagler, Gilchrist, Hamilton, Lafayette, Nassau, Putnam, St. Johns, Suwannee and Union.
You can reach Kristen at 904.861.2270 or by email at kristen@ffcfc.com.
For more information on Florida First Capital and its 504 loan program, visit www.ffcfc.com, email us at insider@ffcfc.com or call 888.320.5504.
