Florida Man

Florida, how do I love thee? Let me count the ways.

Running two businesses in Jacksonville has enriched my appreciation for the community I’ve called home for years. My affection runs deep.

First and foremost is stability. The stability we take for granted would take others by surprise. It’s neighbors you can depend on, colleagues you can trust.

Second, transparency. What you see is what you get. Backroom deals and mixed motives don’t fly here. Sincerity and honesty own the day.

Third, camaraderie. Of the 200 or so bankers in Jacksonville, I’d estimate that I know 190 of them. When they encounter a business in need of a creative lending solution, they call. Not out of obligation, but with excitement to collaborate on a common cause.

Could we make more money in New York or San Francisco? On paper, perhaps. But would life be richer? Not a chance.

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Debt vs. Equity