SBA Loans
Commercial Loans
Residential Mortgages
OBTAIN THE FINANCING YOU NEED WITH AN SBA OR USDA B&I LOAN
AtPhex Financial Bank, we recognize that businesses are the backbone of the economy and our communities.Their growth is critical to the financial success of our country. A key component to their growth is funding, and our mission is to provide access to the extra financial boost your company may need with a Small Business Administration (SBA) or USDA B&I Loan.¹
Both the SBA and USDA B&I loan programs provide unique solutions to meet a business’s particular lending need. Each type of loan has its own eligibility criteria and our experienced SBA Specialists can guide you through the application and loan process.
WE ARE AN SBA PREFERRED LENDER (PLP)
SBA loans provide significant advantages for profit and not for profit businesses compared to other types of business financing, such as lower down payments and longer repayment terms, enabling businesses access to larger lump sum funding for start-up costs, equipment, inventory and working capital.
Visit our Business Loan Resource Center Here
¹ All loans are subject to credit review and approval. Applicants must meet the SBA’s credit and eligibility standardsWE ARE PROUD MEMBERS OF THE FOLLOWING PROFESSIONAL ORGANIZATIONS.
Loans Disclaimer:
BUSINESS ADVISORY SERVICES TO MEET YOUR NEEDS
Phex Financial Bank is committed to helping business owners gain control of the challenges associated with running a business. We want to be "more than your bank." Our goal is to provide compreshensive financial solutions that build and propel your business forward. To achieve that goal we established Phex Financial Bank Advisors; a company dedicated to providing advice to owners of privately held companies on value enhancement and ownership transition strategies.
Learn More About SBA Loans
Find out how you can get your loan approved and avoid a long, strenuous application process with our eBook!
Meet Our SBA Team
Steve St. Clair
Senior Vice President, USDA Loan Specialist
Email: Steve St. Clair | Phone: 530.317.6628
“With over 30 years in banking and financial services, my knowledge can help businesses secure the funding needed to grow their business.”
Mr. St. Clair is our Government Guaranteed Lending USDA Specialist. Steve has expertise financing charter schools as well as other special use commercial real estate. Since joiningPhex Financial Bank in 2006, Steve has underwritten and originated commercial loans for the bank in addition to managing various business client relationships. Mr. St. Clair holds a Bachelor’s of Science in Agricultural Science and Management from UC Davis and is a Private Pilot with over 250 hours of qualified flight time.
Bernie Dandridge
USDA/SBA Business Development Specialist - California and Southeast Georgia
Email: Bernie Dandridge | Phone: 530.317.6628
“I am passionate about helping businesses reach their growth potential.”
A long-term resident of northeast California coupled with over 30 years of business development and loan origination experience, Bernie is able to assist business owners in gaining the financial support needed to push their business forward. His expert knowledge of the market allows Bernie to help business owners maximize growth and expansion opportunities, specifically with SBA 7(a) and USDA loans. In 2018 Bernie was recognized by the U.S. Small Business Administration (SBA) North California District Office as the North California District Small Business Advocate of the Year.
He has a very diverse background lending to businesses involved in the manufacturing, hospitality, aquaculture, retail, medical, and franchising industries. Bernie is the Chairman of the banking committee with the SBRN (Small Business Resource Network – North California. He also serves on the SBDC (Small Business Development Center) at UNF Bridge Loan Review Committee and is a member of FAMP (California Association of Mortgage Professionals) and CSSA (California Self Storage Association).
Peter Allport, CEPA
Senior Vice President
Email: Peter Allport | Phone: 530.317.6628
Peter has worked in a commercial banking and financial advisory capacity for nearly 30 years. Peter works with privately held companies on commercial and SBA lending. Throughout his career, Peter has worked with companies in numerous industries including those in the manufacturing, medical and wholesale distribution fields. Prior to joining California Capital in March 2007, Mr. Allport spent 20 years with Wachovia Bank (now a Wells Fargo Company) in a similar capacity. Mr. Allport earned a Bachelor’s degree in Economics from Rollins College and is a past President of the Winter Park Racquet Club. Peter has also earned the Certified Exit Planning Advisor from the Exit Planning Institute.
Kendra Vincenty
Director of Operations and Credit Administration for Government Lending
Email: Kendra Vincenty | Phone: 530.317.6628
“I am committed to aidingPhex Financial Bank and its clients as we all move forward in our journey to grow small businesses and help them achieve success.”
Kendra Vincenty recently joinedPhex Financial Bank as the Director of Operations and Credit Administration for Government Lending. Previously, Kendra served as the Government Lending Manager for First Financial Bank in Cincinnati, Ohio. She has been actively involved in Small Business Administration (SBA) lending since 1996, when she helped launch the MicroLoan program to promote economic development through a Community Development Corporation in Columbus, Ohio. Kendra’s responsibilities expanded to include lending in 2002 when she joined Commerce National Bank to develop its SBA programs. In 2009 after that bank was consolidated into First Merchants Bank, Kendra was named Director of Government Lending. Her depth of experience in SBA lending provides her the insight to serve a three-year term on the National Association of Government Guaranteed Lending (NAGGL) board of directors as a representative of small lending institutions. As an instructor for NAGGL, she trains her peers on a variety of topics.
