Florida's Community Capital Bank
Capital for Florida's Next Chapter
St. Johns Capital Bank partners with local entrepreneurs and small businesses to provide the capital, guidance, and relationships that help communities grow.
Loan Products
Capital for every stage of growth
From your first hire to your next expansion, we have a loan product built for where you are right now.
SBA Loans
Government-backed financing with favorable terms for established small businesses ready to grow.
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Business Lines of Credit
Flexible revolving credit to manage cash flow, cover operating costs, and seize opportunities.
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Startup Financing
Purpose-built capital for Florida's newest ventures — from concept to first hire to first location.
Learn MoreWhy St. Johns
We know your name. We know your business.
At St. Johns Capital Bank, we believe the best banking relationships are built on trust, not transactions. When you walk through our door, you're not a loan number — you're a neighbor, a builder, a dreamer with a plan.
Our team of Florida-based bankers brings decades of local market knowledge to every conversation. We understand the unique challenges of growing a business here, and we're here to help you navigate them.
From your first SBA inquiry to your tenth location, St. Johns Capital Bank grows with you.
Meet Our Team
Local Stories
St. Johns didn't just give us a loan — they gave us a partner. When we were expanding our second location, they walked us through every option and made sure we had the right structure for our growth. That kind of relationship is rare.
Ready to talk about your business?
Our bankers are available Monday–Friday, 8am–5pm EST.