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SBA 504 Loan Interest Rates
July 2023
25-Year Fixed Rate Standard:
6.583%
25-Year Fixed Rate Refinance:
6.601%
20-Year Fixed Rate Standard:
6.637%
20-Year Fixed Rate Refinance:
6.655%
10-Year Fixed Rate Standard:
7.076%
10-Year Fixed Rate Refinance:
7.098%
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.
Board Member - Service Since 2015
Past President - Service Since 1990
Board Member - Service Since 2019
Past President - Service Since 1984
Board Member - Service Since 2020
Board Member - Service Since 1998
Chairman - Service Since 2011
Secretary/Treasurer - Service Since 2017
Board Member, President & Chief Executive Officer
Service from 2001 to 2020
Service from 1999 to 2023
Executive Vice President & General Counsel
Mark serves as Executive Vice President and General Counsel and is based in Tallahassee. Mark’s extensive resume includes serving as Senior Advisor on Government Relations for Buchanan Ingersoll & Rooney – one of the largest law firms in the nation. He also has deep experience in Florida state government having worked as Director of Legislative Affairs and Policy Coordinator for Transportation and Economic Development for Governors Rick Scott and Ron DeSantis as well as having held several staff positions in the Florida Senate and the Florida House of Representatives. Previously, Mark served as the Director of Closing and Assistant General Counsel for Florida First Capital.
Regional Sales Manager - Alabama & Georgia
Gayle has more than 25 years of experience in the banking industry, specializing in commercial banking. As a top producer helping businesses realize their dreams of real estate ownership, she became enamored with the SBA 504 program and took the full leap into SBA lending as a Business Development Officer/SBA Specialist for JP Morgan Chase Bank and then Regions Bank. In 2020, Gayle joined the FCF/FFC team as an underwriter and now serves as Regional Sales Manager, facilitating the company’s expansion into Alabama and Georgia. From 2019-2022, she served on the Florida Association of Government Guaranteed Lenders (FLAGGL) Board and is active with other non-profits, including weVenture which ignites the power of women entrepreneurs.
BDO Sales, North Florida & Panhandle and South Georgia
Marsha serves as a Business Development Officer for North Florida & Panhandle and South Georgia and is based in Tallahassee. Marsha joined Florida First Capital in 2018 and has nearly 20 years of banking experience on both the commercial and retail side. She is a native of Tallahassee and provides comprehensive service throughout the SBA loan process. Prior to joining the company, Marsha served as commercial lender with Prime Meridian Bank, where she worked closely with borrowers in both commercial and consumer lending. She received a B.S. in Finance & Real Estate from Florida State University. Marsha has been involved with her local Rotary Club since 2014, and has served on other local boards throughout her career. Marsha is responsible for the following North Florida & Panhandle counties: Bay, Calhoun, Dixie, Franklin, Gadsden, Gulf, Hamilton, Holmes, Jackson, Jefferson, Lafayette, Leon, Liberty, Madison, Suwannee, Taylor, Wakulla, Walton and Washington. In South Georgia, Marsha covers the following counties: Atkinson, Baker, Berrien, Brooks, Clay, Clinch, Coffee, Colquitt, Cook, Crisp, Decatur, Dougherty, Early, Echols, Grady, Irwin, Lanier, Lee, Lowndes, Miller, Mitchell, Seminole, Terrell, Thomas, Tift, Turner, Ware and Worth.
VP Sales, Miami-Dade Area
Alejandro serves as a Vice President and Business Development Officer for the Miami-Dade Area and is based in Miami. Alejandro has more than eight years of experience in business management and development. Prior to joining the company, he was a support consultant with Tier I, a division of Windstream Corp., where he conducted business operations with the largest Latin American telecom client in Colombia. Alejandro also previously served as President of a family owned manufacturing business where he focused on establishing strategic partnerships with industry leaders. He received a B.A. in Marketing from the University of Miami and reads, writes and speaks fluent Spanish. Alejandro is responsible for two South Florida counties: Miami-Dade and Monroe.
VP Sales, Central Florida
John serves as a Vice President and Business Development Officer for the Central Florida area and is based in Orlando. He has more than 16 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. He received an M.B.A from Rollins College. John is responsible for 9 Central Florida counties: Citrus, Lake, Levy, Marion, Orange, Osceola, Seminole, Sumter and Volusia.
BDO Sales, Space & Treasure Coasts Florida
Brenda serves as a Business Development Officer for the Space & Treasure Coasts and is based in Melbourne. She has over 30 years of banking and finance experience. Prior to joining the company, Brenda was a Vice President Small Business Development Officer serving the Space & Treasure Coasts for BB&T, now Truist. Throughout her career, she has obtained diplomas in financial banking, consumer lending, residential mortgage lending and commercial lending from the Center for Financial Training. Brenda is responsible for 5 Florida counties: Brevard, Indian River, Martin, Okeechobee and St. Lucie.
BDO Sales, Palm Beach County, Florida
Laurel serves as Business Development Officer for Palm Beach County, Florida. Laurel earned her B.S in Biological Sciences from Arizona State University. She has over 10 years of nationwide SBA related lending experience and is active on many National SBA Association Committees and the Risk Management Association of South Florida Board.
VP Sales, Tampa Bay Area
Scott serves as a Vice President and Business Development Officer for the Tampa Bay Area and is based in Tampa. He has over 30 years of commercial banking experience. Prior to joining the company, Scott was the Business Banking Sales Manager in Hillsborough County for Wells Fargo. He also was the Business Banking Sales Manager for Regions Bank from 1998 to 2011 and was responsible for Broward and Palm Beach Counties. He received a B.S. in Finance from Florida State University. Scott is responsible for 5 counties in the Tampa Bay Area: Hernando, Hillsborough, Pasco, Pinellas and Polk.
BDO Sales, Southwest Alabama & Northwest Florida
Joel serves as a Business Development Officer for the Southwest Alabama and Northwest Florida area and is based in Saraland, AL. He has more than 15 years of experience in commercial lending and banking. Joel serves Baldwin, Butler, Clarke, Conecuh, Covington, Monroe and Washington counties in Alabama and Escambia, Okaloosa, 圣罗莎,沃顿在佛罗里达州.
BDO Sales, East Central & Southeast Alabama and West Central Georgia
Angie serves as Business Development Officer for East Central & Southeast Alabama and and West Central Georgia and is based in Auburn-Opelika, AL. She has nearly 20 years of professional experience in sales, marketing and lending to small businesses in Alabama, Florida and Georgia. Angie has served on the ASU SBDC Advisory Board. She earned a B.S. in Finance from Samford University. Angie is responsible for the following counties in Alabama: Autauga, Barbour, Bullock, Chambers, Clay, Coffee, Coosa, Crenshaw, Dale, Elmore, Geneva, Henry, Houston, Lee, Lowndes, Macon, Montgomery, Pike, Randolph, Russell and Tallapoosa. In West Central Georgia, Angie covers the following counties: Chattahoochee, Harris, Heard, Marion, Meriwether, Muscogee, Quitman, Randolph, Stewart, Talbot, Troup and Webster.
VP Sales, Northeast Florida
For nearly 20 years, Kristen has served as a Vice President and Business Development Officer for the Northeast Florida territory and is based in Jacksonville. During her time with the company, Kristen has put together more than 1000 deals resulting in hundreds of millions of dollars in SBA 504 loans and has consistently been one of the industry’s top producers. Prior to joining Florida First Capital, she earned a B.A. in Business Administration and a B.A. in Marketing from the University of North Florida. Kristen has successfully completed various banking courses through the Risk Management Association and the National Association of Development Companies. 504 lending is her passion and her many years of industry experience and her tenacious ‘never quit’ approach to lending makes her an excellent partner to both businesses and lenders. Kristen is responsible for 12 Northeast Florida counties, including: Alachua, Baker, Bradford, Clay, Columbia, Duval, Flagler, Gilchrist, Nassau, Putnam, St. Johns, and Union.
BDO Sales, North Alabama and Northwest Georgia
Drew serves as a Business Development Officer for the North Alabama and Northwest Georgia area and is based in Huntsville. At the start of his career, he completed a formal commercial credit training program with NationsBank, and is a veteran commercial banker with more than 25 years of experience in both commercial and industrial real estate lending in Alabama and Georgia. Drew received a Bachelor of Science degree from the University of Georgia in Athens, GA. He also earned a Master’s Degree in Business Administration from Mercer University in Macon, GA. Drew is responsible for North Alabama counties including: Calhoun, Cherokee, Cleburne, Colbert, Cullman, DeKalb, Etowah, Franklin, Jackson, Lauderdale, Lawrence, Limestone, Madison, Marshall, Morgan and Winston. In Northwest Georgia, Drew covers Dade and Walker counties.
VP Sales, Southwest Florida
William serves as a Vice President and Business Development Officer for the Southwest Florida Region and is based in Ft. Myers. He has been in banking, commercial and small business lending since 1995 and has financed tens of millions of dollars of projects in Chicago, Las Vegas and Northern California before joining Florida First Capital. William provides hands on involvement with our banking partners, commercial realtors and economic development organizations. He is active in numerous organizations, including the Realtor’s Association of Sarasota and Manatee, the CCIM Chapter of Southwest Florida and the Royal Palm Coast Realtor’s Association Commercial Division. William received an undergraduate degree from Purdue University and an MBA from Keller Graduate School of Management. He is a Certified Financial Planner®, holds the prestigious Certified Commercial Investment Member designation and is an honorably discharged Army Reserve Officer. William is responsible for 10 counties in the Southwest Region: Manatee, Sarasota, Hardee, De Soto, Highlands, Charlotte, Glades, Lee, Hendry and Collier.