| COMMERCIAL LENDING |
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 504 Facilitates Compliance with FDIC Guidelines
With the ongoing softness in the credit and housing markets, the Federal Deposit Insurance Corporation (FDIC) recently warned banks with significant commercial real estate loan concentrations about the importance of maintaining strong capital and loan loss allowance levels and robust credit risk management practices.
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| FFCFC NEWS |
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 SBA to Recognize Florida First Capital As Top 504 Loan Producer in North Florida
In recognition of its outstanding 2007 performance, the Small Business Administration (SBA) North Florida District Office will again recognize Florida First Capital as the top 504 loan producer in the district. This is the seventh consecutive year FFCFC will receive the honor.
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| SUCCESS STORY |
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 Trendy South Florida Retailer Expands Its Bottom Line
In 1997, Jose and Maria Chediak ventured into the fashion accessories business by selling from small shopping center kiosks. Today, through hard work and sound business decisions, the Chediak's have grown B. Fashion into five retail store locations in South Florida and three locations outside the state.
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| ASK THE EXPERTS |
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 504 Q&A
Q - Will the Small Business Administration (SBA) subordinate to the refinance of a 504 first mortgage loan if it includes 7a loan proceeds?
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| SMALL BUSINESS NEWS |
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 Disaster Loans Available for Severe Storms and Flooding Victims
Low-interest disaster loans will be made available by the U.S. Small Business Administration (SBA) to Florida businesses affected by the severe storms and flooding on Feb. 21-22, 2008. The declaration covers Bay County and the adjacent counties of Calhoun, Gulf, Jackson, Walton and Washington.
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 Business Owners Can Help Develop New South Florida Small Business Development Center
Small business owners and managers in Miami-Dade and Monroe Counties have an opportunity to help shape a new Regional Small Business Development Center (SBDC) and outreach offices that will provide educational training and technical assistance services in the region.
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| FLORIDA FINANCE NETWORK |
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FFCFC is proud to be a charter member of the Florida Finance Network, an organization that unifies Florida's economic development financing program and is available throughout Florida to educate lenders, business owners, and economic development officials about financing programs available to small businesses. FFN builds awareness of state and federal small business and economic development financing programs available to Florida businesses.
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