“It was not very pleasant dealing with other financial institutions. Other banks were not very enthusiastic about helping us with what we needed. They were neither welcoming or accepting. The service and experience of working with 121 Financial was welcoming, and I feel like they were genuinely interested in our business. They provided me with business analysis and worked to help guide my business decisions, which has led to tremendous growth. Our business started with about 13 boats, and now we have 50 boats thanks to 121 Financial.”

“From the very beginning, we sensed something different about 121 Financial: that they were on our side in this new venture. We received great advice on the best options for us, which was in stark contrast to the treatment we received from another bank. They wouldn’t even consider helping us unless we had been in business for several years! We have been in business for over 3 years now, and I am convinced that without 121 Financial, we would still be trying to get our business up and running.”

“A friend recommended 121 Financial and it turned out to be an excellent experience. They were extremely helpful and made the process very simple. Without 121 Financial, we would not be where we are right now. If not for 121 Financial’s hard work, we would probably be in a smaller building in a different location. It is so easy to do anything with them. They are always willing to help, even with small things like helping me get into my online account if I am having problems. Everyone there seems to want to help.”

“After we had both been managing in the hospitality industry for years, we decided to break out on our own and start a food truck.  After speaking with our bank where we had our personal accounts and realizing they wouldn't help us with the final funds we needed to complete the build out of our truck, we were put in contact with 121 through the SBDC at UNF.  121 was willing to help us after a good conversation about where we were and where we wanted to get to.  121 loaned us the funds to complete the project.  Fast forward a few years and we needed capital again when we moved from the truck to the brick and mortar restaurant.  121 was there again to help us out with the funds we needed to finish the restaurant.  121 has been there for us when we needed them most and we are extremely grateful for them in helping us get where we wanted to.”