Commercial Real Estate

The right space can help your business reach new heights. Talk to us about financing your commercial property.

  • Competitive rates for the purchase, refinance, or construction of commercial properties
  • Available for owner-occupied properties
  • Flexible terms customized to fit your business's unique needs
  • Lending professionals with working knowledge of the local real estate market
  • Fast decision-making and processing from locals you can trust
  • Professional, attentive service
Inquire
Equipment Loans

Equipment can make or break a business. Ensure yours is up to date at an affordable rate.

  • Competitive rates for the purchase of new or used equipment
  • Flexible terms customized to fit your business's unique needs
  • Meet needs without cutting into working capital or savings
  • Stay ahead of the competition
  • Avoid lapsed periods in production and outdated equipment
  • Fast decision-making and processing from locals you can trust
  • Professional, attentive service
Inquire
Business Line of Credit

Improve your earnings without risking any of your company’s cash assets. Simply pick your term to earn a guaranteed rate.

  • Competitive rates for a wide range of long-term or seasonal business needs: Seasonal fluctuations and Inventory and Capitalize on trade discounts and Working capital and Ongoing updates and more
  • Provides greater financial flexibility
  • Funds available right as you need them; apply once then use again as needed thereafter
  • Revolving credit – as principal is repaid, more becomes available for use
  • Only pay interest on the part that's used
  • Funds are easily accessible via automatic account transfers and in-person withdrawals
  • Fast decision-making and processing from locals you can trust
  • Professional, attentive service
Inquire
Business Term Loans

Getting to know your business is part of our lending process. Tell us your story, and let’s see how we can help.

  • Competitive rates for a wide range of business expenses: Working capital and Equipment and Machinery and Inventory and Facility and improvements and more
  • Flexible terms customized to fit your business's unique needs
  • Fast decision-making and processing from locals you can trust
  • Professional, attentive service
Inquire
Agricultural Loans

Farmers like you are the lifeblood of our communities. Finance your agribusiness affordably with our help.

  • Competitive rates for a wide range of agribusiness-related needs: Working capital and Equipment and Livestock and Crops and Inventory and Vehicles and Farmland and more
  • Flexible terms customized to fit your operation's unique needs
  • Lenders experienced in local agricultural standards
  • Fast decision-making and processing from locals you can trust
  • Professional, attentive service
Inquire
Small Business Administration (SBA) Loans

We’re here to help small businesses thrive — from mom and pops to tech start-ups (and everything in between).

  • Government-assisted help for businesses that might otherwise have difficulty getting approved
  • Competitive rates for a wide range of business needs: Commercial Real Estate and Construction and Business Acquisition or Expansion and Equipment and Inventory and Working Capital and more
  • A wide range of lending options are available
  • Generally lower down payments and extended terms
  • Fast decision-making and processing from locals you can trust
  • Professional, attentive service
Inquire

Commercial Lenders & Government Guarantee Lenders (SBA/USDA)

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Lenders

Our team of experts is dedicated to finding the right solution for you, providing the capital you need to fuel your growth and reach new heights.

Carol Cason

Senior Vice President

Director of Retail Banking

Fernandina Beach Florida Branch Manager

904-557-9355

Anita Rabon

Home Mortgage Lender / Manager

NMLS# 1554785

Mark Sobolewski

Senior Vice President

Commercial Lending Manager 

Florida Division

Antoinette Ferry

Vice President

SBA / Commercial Loan Officer

NMLS #688432

Kyle Staples

Vice President

Commercial Loan Officer

NMLS #1803597

Dave Fain

Vice President

Commercial Loan Officer

NMLS # 805047

Boone Kennedy

Assistant Vice President

Lender

NMLS # 1882057

Chandler Ray

Assistant Vice President

Lender

NMLS #1252751

Wanda Thomas

Vice President

Loan Officer

NMLS # 413255

Sonya Robbins

Assistant Vice President

Yulee Florida Branch Manager

NMLS # 2124450

904-875-6177

Customer Testimonial

Pelindaba Lavender

Ellianos Coffee is a double-sided drive-thru coffee shop offering espresso beverages, latte freezers, smoothies, coffee, breakfast, and more! Ellianos Coffee Company has become a dominant brand in the Southeast United States. Even in the early stages, Ellianos achieved brand awareness in its market and thousands of loyal customers.

Need Help?

Our personal, local bankers are here to help guide you in choosing the best products to fit your goals and plans.

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Disclaimer

All loans are subject to credit approval. All rates are based on an evaluation of the individual credit history. Terms are subject to conditions and verification restrictions may apply. All First Port City Bank programs, rates, terms and conditions are subject to change at any time without prior notice.

All new accounts are subject to approval.