Loan Products
From your first hire to your next expansion, St. Johns Capital Bank offers flexible financing built around your business — not a one-size-fits-all formula.
Government-backed. Locally guided.
SBA loans offer some of the most competitive rates and longest repayment terms available to small businesses. As an SBA-preferred lender, we streamline the process so you spend less time on paperwork and more time running your business.
Eligibility: Businesses operating for 2+ years with demonstrated revenue. U.S.-based operations required.
Flexible capital, always on hand.
A revolving line of credit gives you the flexibility to draw funds when you need them and pay back on your schedule. Ideal for managing seasonal cash flow, covering operating expenses, or jumping on a time-sensitive opportunity.
Eligibility: Minimum 1 year in business with consistent revenue. Personal guarantee required.
Built for builders from day one.
Starting a business in Florida? We offer purpose-built startup loans for entrepreneurs with a solid plan and the drive to execute. We look beyond credit scores to understand your vision, your market, and your potential.
Eligibility: Business plan required. Open to pre-revenue startups with strong fundamentals.
Own the space your business calls home.
Whether you're purchasing your first commercial property, refinancing an existing one, or funding a build-out, our commercial real estate loans offer competitive rates and local market expertise.
Eligibility: Owner-occupied or investment properties. Minimum 20% down payment typically required.
How it works
Schedule a call or walk in. We start with a conversation — no forms, no pressure.
Our bankers assess your needs and match you with the right loan product and structure.
We guide you through every document and requirement — no surprises along the way.
Once approved, funds are disbursed quickly so you can move forward with confidence.
Our bankers will walk you through every option — no obligation, no pressure.