We Are Florida Business Development Corporation

HomeWe Are Florida Business Development Corporation

Who We Are

Since 1989, the Florida Business Development Corporation (FBDC) has been dedicated to the success of Florida small businesses. As the most active lender in the east coast of the U.S., we excel at assisting healthy, growing companies secure long-term, below-market, fixed-rate financing for the acquisition and development of fixed assets. The program can also be utilized to refinance debt associated with fixed assets.

Meet The Team

Administration

Bill Habermeyer

PRESIDENT & CEO

Rai Donelson

VICE PRESIDENT & CCO

Milton Espinoza

SENIOR VICE PRESIDENT DIRECT LOAN PORTFOLIO MANAGER

Helen Bennett

SENIOR VICE PRESIDENT SENIOR CREDIT OFFICER

Ankur Patel

CREDIT OFFICER

Michelle Mathews

EXECUTIVE ASSISTANT TO THE CEO

Sales

Mark Hoeller

SENIOR VICE PRESIDENT

WEST FLORIDA REGION

Daniel F. Martinez III

VICE PRESIDENT

WEST FLORIDA REGION

Mark Mayhew

SENIOR VICE PRESIDENT

SOUTHEAST FLORIDA REGION

Armando Martinez

VICE PRESIDENT

SOUTHEAST FLORIDA REGION

Eduardo Gesio

DIRECTOR OF ECONOMIC DEVELOPMENT LENDING

Dana Albury

VICE PRESIDENT

SOUTHEAST FLORIDA REGION

Curry Workman

VICE PRESIDENT

NORTH FLORIDA REGION

Tim Cramer

EXECUTIVE VICE PRESIDENT

CENTRAL FLORIDA REGION

Brock Butler

VICE PRESIDENT

CENTRAL FLORIDA REGION

For inquiries related to the state of Georgia, please visit our Georgia website by clicking here

For inquiries related to the state of Alabama, please visit our Alabama website by clicking here

WHAT PEOPLE SAY ABOUT US

  • John T., Community Bank & Trust of FloridaWe assisted a client with an SBA-504 program loan on a construction project to build a restaurant.  Based on some prior and positive results, we reached out to one of our local CDC's, Florida Business Development Corporation, and worked with Derek King and Angela Peterson.  From pre-approval to the final construction draw, we could not have had a better team.  Derek and Angela are responsive, helpful, and a great part of our team.
  • Christopher P, Sunshine Bank

    I have had the pleasure of working with Tim Cramer at FBDC and the SBA 504 loan program for many years. Their responsiveness and knowledge of the program has helped us to reach the closing table with ease numerous times. At the same time, the advice and counsel they provide gives my clients peace-of-mind and confidence throughout the loan process. Through this solid partnership with FBDC, clients have come to realize that the SBA process does not have to be difficult and can be as easy as a conventional loan. SBA loans aren't just for start-up businesses, either. The benefits of as little as 10% down and getting a second fixed rate mortgage for 20 years --in one of the lowest interest rate environments in decades --is attractive to any business owner, whether new or established. I highly recommend Tim Cramer and Florida Business Development Corporation.

  • Jim Downey, US Ameribank

    I like to use the 504 program when a client prefers to put less down on equipment or real estate. Part of the loan gets a great long term fixed rate and the fees can be financed. Florida Business Development Corp has a great team from top to bottom. They are always willing to answer any questions and I trust them to speak directly to my clients. Not only do they help during the approval and closing process they are there during the servicing of the loans as well. FBDC has a very knowledgeable staff and is a great resource to answer all of my SBA 504 questions.

We look forward to working with you on SBA 504 financing opportunities.

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