{"id":21928,"date":"2026-09-22T23:27:03","date_gmt":"2026-09-23T03:27:03","guid":{"rendered":"https:\/\/banescousa.com\/?page_id=21928"},"modified":"2026-09-23T11:30:48","modified_gmt":"2026-09-23T15:30:48","slug":"a-message-from-calixto-garcia-velez-email","status":"publish","type":"page","link":"https:\/\/banescousa.com\/a-message-from-calixto-garcia-velez-email\/","title":{"rendered":"A message from Calixto Garcia-Velez &#8211; email"},"content":{"rendered":"\n<meta charset=\"UTF-8\">\n    <meta name=\"viewport\" content=\"width=device-width, initial-scale=1.0\">\n    <meta name=\"format-detection\" content=\"telephone=no, date=no, address=no, email=no, url=no\">\n    <meta name=\"color-scheme\" content=\"light only\">\n    <meta name=\"supported-color-schemes\" content=\"light only\">\n    <meta http-equiv=\"X-UA-Compatible\" content=\"IE=edge\">\n    <title>Un mensaje de Calixto Garc\u00eda-Velez, Presidente y CEO de Banesco USA<\/title>\n\n    <!--[if mso]>\n      <noscript>\n         <xml>\n            <o:OfficeDocumentSettings>\n            <o:PixelsPerInch>96<\/o:PixelsPerInch>\n            <\/o:OfficeDocumentSettings>\n         <\/xml>\n      <\/noscript>\n   <![endif]-->\n    <style>\n        body {\n            margin: 0;\n            padding: 0;\n            width: 100% !important;\n            -webkit-text-size-adjust: 100%;\n            -ms-text-size-adjust: 100%;\n        }\n\n        @media only screen and (max-width: 599px) {\n            .mobile-img-logo {\n                width: 150px !important;\n            }\n\n            .mobile-heading {\n                font-size: 16px !important;\n                line-height: 22px !important;\n                padding: 12px 24px 0 24px !important;\n            }\n\n            .mobile-body {\n                padding: 20px 24px 0 24px !important;\n                font-size: 16px !important;\n                line-height: 28px !important;\n            }\n\n            .mobile-signature-block {\n                padding: 0 24px 30px 24px !important;\n            }\n\n            .disclosure-text {\n                font-size: 10px !important;\n                line-height: 15px !important;\n            }\n        }\n    <\/style>\n\n    <!--[if mso]>\n    <style type=\"text\/css\">\n        .outlook-padding {\n            padding: 16px !important;\n        }\n    <\/style>\n    <![endif]-->\n\n\n\n    <!--[if mso]>\n        <table width=\"600\" align=\"center\" style=\"border-spacing: 0; border-collapse: collapse; color: #3d3d3d;\" role=\"presentation\">\n        <tr>\n        <td>\n    <![endif]-->\n\n    <table align=\"center\" style=\"font-family: Arial, Helvetica, sans-serif; width: 100%; max-width: 600px; background-color: #ffffff; margin: 0 auto;\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\">\n        <tbody><tr>\n            <td>\n\n                <!-- Logo -->\n                <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"font-family: Arial, Helvetica, sans-serif;\">\n                    <tbody><tr>\n                        <td align=\"center\" style=\"padding: 30px 0 24px 0;\">\n                            <a href=\"https:\/\/banescousa.com\/\" style=\"text-decoration: none;\">\n                                <img decoding=\"async\" class=\"mobile-img-logo\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2025\/02\/logo.png\" alt=\"Banesco USA\" width=\"175\" height=\"auto\" style=\"display: block; width: 175px; height: auto; border: 0;\">\n                            <\/a>\n                        <\/td>\n                    <\/tr>\n                <\/tbody><\/table>\n\n                <!-- Top divider -->\n                <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\">\n                    <tbody><tr>\n                        <td style=\"height: 5px; background-color: #f3f3f3; font-size: 1px; line-height: 1px;\">&nbsp;<\/td>\n                    <\/tr>\n                <\/tbody><\/table>\n\n                <!-- Heading -->\n                <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"font-family: Arial, Helvetica, sans-serif;\">\n                    <tbody><tr>\n                        <td class=\"mobile-heading\" align=\"center\" style=\"padding: 12px 46px 0 46px;\">\n                            <p style=\"font-size: 17px; font-weight: bold; color: #000000; line-height: 25px; margin: 0; text-align: center;\">\n                                Un mensaje de<br>\n                                Calixto Garc\u00eda-Velez, Presidente y CEO de Banesco USA\n                            <\/p>\n                        <\/td>\n                    <\/tr>\n                <\/tbody><\/table>\n\n                <!-- Body text -->\n                <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"font-family: Arial, Helvetica, sans-serif;\">\n                    <tbody><tr>\n                        <td class=\"mobile-body\" style=\"padding: 30px 46px 0 46px; font-size: 17px; line-height: 30px; color: #000000;\">\n                            <p style=\"margin: 0 0 30px 0;\">Durante 20 a\u00f1os, Banesco USA ha crecido junto a las personas, las empresas y las comunidades a las que servimos.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">Las relaciones que hemos construido han moldeado lo que somos hoy y contin\u00faan inspir\u00e1ndonos en el camino que tenemos por delante.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">El pr\u00f3ximo 7 de octubre, marcaremos un momento fundamental en nuestra historia con la presentaci\u00f3n de un Banesco USA renovado.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">Aunque notar\u00e1s una nueva expresi\u00f3n de nuestra marca, esta evoluci\u00f3n representa mucho m\u00e1s que un cambio de imagen. Refleja el progreso que hemos alcanzado, la solidez de lo que somos hoy y nuestra ambici\u00f3n hacia lo que viene.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">Tambi\u00e9n refleja aquello que siempre ha estado en el coraz\u00f3n de Banesco USA: las personas. Los emprendedores que construyen empresas. Las familias que planifican su futuro. Las comunidades de las que nos sentimos orgullosos de formar parte. Y las relaciones que nos conectan a todos.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">A medida que evolucionamos, lo que m\u00e1s importa permanece intacto. La forma en que realizas tus operaciones bancarias con nosotros no cambiar\u00e1. Tus cuentas, tarjetas y el acceso a tu banca digital seguir\u00e1n siendo los mismos, sin requerir ninguna acci\u00f3n de tu parte. Lo m\u00e1s importante es que podr\u00e1s seguir contando con la gente, las relaciones y el servicio cercano y personalizado que conoces de Banesco USA.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">En dos semanas, me entusiasmar\u00e1 compartir contigo nuestra identidad renovada y la historia detr\u00e1s de lo que la inspir\u00f3. Mientras nos preparamos para el lanzamiento, es posible que comiences a ver c\u00f3mo algunos de estos cambios van tomando forma en nuestras agencias durante los pr\u00f3ximos d\u00edas.<\/p>\n\n                            <p style=\"margin: 0 0 30px 0;\">Gracias por compartir este momento tan importante con nosotros. Nos entusiasma todo lo que seguiremos construyendo juntos en los a\u00f1os por venir.<\/p>\n\n                            <p style=\"margin: 0 0 10px 0;\">Un c\u00e1lido saludo,<\/p>\n                        <\/td>\n                    <\/tr>\n                <\/tbody><\/table>\n\n                <!-- Signature block -->\n                <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\" style=\"font-family: Arial, Helvetica, sans-serif;\">\n                    <tbody><tr>\n                        <td class=\"mobile-signature-block\" style=\"padding: 0 46px 30px 46px;\">\n                            <img decoding=\"async\" src=\"https:\/\/banescousa.com\/wp-content\/uploads\/2026\/09\/cali-signature.png\" alt=\"Firma de Calixto\" width=\"155\" height=\"auto\" style=\"display: block; width: 155px; height: auto; border: 0; padding: 10px 0;\">\n                            <p style=\"font-size: 17px; line-height: 25px; color: #000000; margin: 0;\">Calixto Garc\u00eda-Velez<\/p>\n                            <p style=\"font-size: 17px; line-height: 25px; color: #000000; margin: 0;\">Presidente y CEO de Banesco USA<\/p>\n                        <\/td>\n                    <\/tr>\n                <\/tbody><\/table>\n\n                <!-- Bottom divider -->\n                <table width=\"100%\" cellpadding=\"0\" cellspacing=\"0\" role=\"presentation\">\n                    <tbody><tr>\n                        <td style=\"height: 5px; background-color: #f3f3f3; font-size: 1px; line-height: 1px;\">&nbsp;<\/td>\n                    <\/tr>\n                <\/tbody><\/table>\n\n            <\/td>\n        <\/tr>\n    <\/tbody><\/table>\n\n    <!-- Footer (bulletproof: opt-out + copyright in one td) -->\n    <table align=\"center\" style=\"font-family: Arial, Helvetica, sans-serif; width: 100%; max-width: 600px; background-color: #FFFFFF; margin: 0 auto;\">\n        <tbody><tr>\n            <td style=\"padding: 20px 20px 6px 20px; font-size: 10px; color:#708090; margin:0; line-height: 15px; font-family: Arial, Helvetica, sans-serif; text-align: center;\">\n                <p style=\"color: #708090; text-align: center; font-size: 10px; margin: 0;\">Banesco USA, 3155 NW 77th Ave, Miami, Florida 33122<\/p>\n                <p style=\"color: #708090; text-align: center; font-size: 10px; margin: 10px 0 0 0;\">Por favor, no responda a este mensaje por correo electr\u00f3nico. Si tienes alguna pregunta, comun\u00edcate con tu oficial de cuenta, env\u00eda un correo electr\u00f3nico a <a href=\"mailto:customerservice@banescousa.com\" style=\"color: #708090;\">customerservice@banescousa.com<\/a> o llama al Centro de atenci\u00f3n al cliente al <a href=\"tel:888-228-1597\" style=\"color: #708090; text-decoration: none;\">(888) 228-1597<\/a>.<\/p>\n                <p style=\"color: #708090; text-align: center; font-size: 10px; margin: 10px 0 0 0;\">La traducci\u00f3n de este correo electr\u00f3nico del ingl\u00e9s se proporciona \u00fanicamente para conveniencia. La versi\u00f3n en ingl\u00e9s de este correo electr\u00f3nico es la versi\u00f3n oficial y, en caso de conflicto entre esta traducci\u00f3n y la versi\u00f3n en ingl\u00e9s, prevalecer\u00e1n los t\u00e9rminos de la versi\u00f3n en ingl\u00e9s.<\/p>\n                <p style=\"color: #708090; text-align: center; font-size: 10px; margin: 10px 0 0 0;\">Para contactarnos respecto al contenido de este correo electr\u00f3nico, utilice la informaci\u00f3n de contacto proporcionada en el mensaje original.<\/p>\n                <p style=\"margin: 24px 0 0 0; text-align: center; font-size: 10px; color:#708090;\">Member FDIC<\/p>\n            <\/td>\n        <\/tr>\n    <\/tbody><\/table>\n\n    <!--[if mso]>\n        <\/td>\n        <\/tr>\n        <\/table>\n    <![endif]-->\n\n\n<style>\n\t#main {rn        padding-top: 0px;rn    }\r\n\r\n.site-header,\r\n  .site-footer,\r\n  #masthead,\r\n  #colophon,\r\n.footer__links,\r\n.footer__lender-bar,\r\n.footer__text {\r\n      display: none !important;\r\n  }<\/style>","protected":false},"excerpt":{"rendered":"<p>Un mensaje de Calixto Garc\u00eda-Velez, Presidente y CEO de Banesco USA &nbsp; Un mensaje de Calixto Garc\u00eda-Velez, Presidente y CEO de Banesco USA Durante 20 a\u00f1os, Banesco USA ha crecido&#8230;<\/p>\n","protected":false},"author":10,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"custom-templates\/template-general.php","meta":{"_acf_changed":false,"inline_featured_image":false,"employee_portal_footer_heading":"","employee_portal_footer_instagram":"","employee_portal_footer_linkedin":"","cpm_anniversary_back_url":"","cpm_anniversary_stories_page_url":"","cpm_anniversary_stories_heading":"","cpm_anniversary_stories_cta_label":"","cpm_anniversary_stories_cta_url":"","_banesco_ppc_topbar_logo_id":0,"_banesco_ppc_topbar_phone_text":"1-888-228-1597","_banesco_ppc_topbar_phone_url":"tel:1-888-228-1597","_banesco_ppc_topbar_cta_text":"Connect with a Banker","_banesco_ppc_topbar_cta_url":"#campaign-form","_banesco_ppc_eyebrow":"Commercial lending \u00b7 Broward County","_banesco_ppc_headline":"Built for growing businesses in Broward County","_banesco_ppc_lead_copy":"Flexible financing aligned to your operations, timing, and growth plans \u2014 capital structured for growth, not just approval.","_banesco_ppc_benefits":"Capital for expansion and working-capital needs\nDirect access to a senior commercial banker\nFast approvals and efficient closings","_banesco_ppc_primary_cta_text":"Start a conversation","_banesco_ppc_primary_cta_url":"#campaign-form","_banesco_ppc_secondary_cta_text":"Explore financing","_banesco_ppc_secondary_cta_url":"\/business\/commercial-loans","_banesco_ppc_landing_hero_proof_items":"FDIC insured\n$5.5B+ in assets\nHeadquartered in South Florida","_banesco_ppc_hero_image_id":0,"_banesco_ppc_form_id":0,"_banesco_ppc_closing_form_id":0,"_banesco_ppc_closing_form_card_title":"","_banesco_ppc_closing_form_card_intro":"A Broward-based banker will respond within one business day.","_banesco_ppc_form_card_title":"Speak with a commercial banker","_banesco_ppc_form_card_intro":"A Banesco banker will respond within one business day.","_banesco_ppc_landing_form_disclaimer":"Your information is confidential and used only to discuss your financing needs. No obligation.","_banesco_ppc_landing_blocks":"[{\"type\":\"feature_grid\",\"theme\":\"white\",\"columns\":3,\"eyebrow\":\"Capital structured for growth, not just approval\",\"heading\":\"Financing that moves the way your business does\",\"copy\":\"Mid-market companies in Broward are navigating expansion, liquidity pressure, and operational complexity. We structure capital around your cash flow, timing, and growth plans.\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Built for expansion\",\"copy\":\"Financing ranges and structures that scale with growing operations, inventory, and capacity \\u2014 not rigid, off-the-shelf terms\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Cash-flow-based lending\",\"copy\":\"Access to more working capital through flexible, cash-flow-based structures aligned to how revenue actually moves through your business\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"A real banking partner\",\"copy\":\"Direct access to a senior banker who understands your industry and can move decisions forward \\u2014 through multiple growth and market cycles\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"card_grid\",\"theme\":\"mist\",\"columns\":2,\"eyebrow\":\"\",\"heading\":\"Financing structures used by growing businesses\",\"copy\":\"Flexible capital aligned to your operations, timing, and long-term strategy\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Working capital access\",\"copy\":\"Revolving lines of credit and borrowing-base facilities that fund inventory, receivables, and day-to-day liquidity\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Term financing\",\"copy\":\"Structured term loans to support acquisitions, expansion, and longer-horizon capital investments\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Equipment investment\",\"copy\":\"Financing for equipment and infrastructure with structures aligned to cash flow and useful life\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Cash-flow-based lending\",\"copy\":\"Capital sized to operating performance rather than collateral alone \\u2014 built for businesses in motion\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Owner-occupied commercial real estate\",\"copy\":\"Financing for the facilities your business operates from, structured to support growth, not slow it down\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Not sure which fits?\",\"copy\":\"Tell a banker about your business and we\\u2019ll structure options around your situation.\",\"link_text\":\"Start a conversation \\u2192\",\"link_url\":\"#campaign-form\",\"media_id\":0}]},{\"type\":\"text_grid\",\"theme\":\"white\",\"columns\":3,\"eyebrow\":\"Industry experience\",\"heading\":\"We understand how Broward businesses operate\",\"copy\":\"Capital decisions informed by the operational realities of the sectors driving Broward County\\u2019s economy\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Aviation &amp; 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Import\\\/Export\",\"copy\":\"Inventory and cash-flow financing for businesses managing global trade and seasonal cycles\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"split_story\",\"theme\":\"white\",\"columns\":2,\"eyebrow\":\"A note from our team\",\"heading\":\"When timing matters, capital must move the way your business does\",\"copy\":\"Hear how our commercial bankers approach financing for mid-market businesses\\u2014what we\\u2019re seeing in the market right now, what matters when structuring capital, and how we build relationships that last beyond a single transaction.\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"http:\\\/\\\/banescousa.com\\\/video\\\/Banesco-20-Years-1080-Final.mp4\",\"media_id\":0,\"items\":[]},{\"type\":\"cta_band\",\"theme\":\"green\",\"columns\":2,\"eyebrow\":\"\",\"heading\":\"When businesses reevaluate their banking relationship\",\"copy\":\"If any of these sound familiar, it may be time for a financing structure built around your business.\",\"cta_text\":\"Talk to a banker who understands\",\"cta_url\":\"#campaign-form\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Growth is outpacing your current bank\\u2019s flexibility\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Your needs have become more complex than off-the-shelf\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Liquidity is constrained in the current rate environment\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"You need more flexible capital and faster decisions\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Expansion requires a new financing structure\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Turnover at your bank has cost you continuity and relationships\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"stat_grid\",\"theme\":\"white\",\"columns\":3,\"eyebrow\":\"Real-world business outcomes\",\"heading\":\"Recently structured for Broward businesses\",\"copy\":\"\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"CFO, Broward import &amp; distribution company\",\"value\":\"$12.5M\",\"title\":\"Working Capital Line + Wholesale\\\/Import\",\"copy\":\"\\u201cTheir team structured a borrowing base around our seasonal inventory cycle. Our previous bank couldn\\u2019t move fast enough\\u2014Banesco USA closed in weeks.\\u201d\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"President, precision manufacturing firm\",\"value\":\"$8.2M\",\"title\":\"Equipment Financing + Manufacturing\",\"copy\":\"\\u201cWe needed to scale production capacity. The financing was built around our cash flow, not just collateral, and the banker understood our business.\\u201d\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"Managing Partner, multi-site healthcare group\",\"value\":\"$15M\",\"title\":\"Term + CRE + Healthcare Group\",\"copy\":\"\\u201cMulti-location expansion required a partner who could think strategically. We finally have a banking relationship that keeps pace with us.\\u201d\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"people_grid\",\"theme\":\"mist\",\"columns\":3,\"eyebrow\":\"\",\"heading\":\"Financing structures used by growing businesses\",\"copy\":\"Flexible capital aligned to your operations, timing, and long-term strategy.\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"Senior Vice President\",\"value\":\"Broward Markets Executive\",\"title\":\"Joshua Montagna\",\"copy\":\"Manufacturing, logistics, and working-capital structures\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"Senior Vice President\",\"value\":\"CRE Relationship Manager\",\"title\":\"Kimberly Cagliano\",\"copy\":\"Aviation, marine, and equipment finance\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"Assistant Vice President\",\"value\":\"BBF Relationship Manager\",\"title\":\"Levan Ruiz\",\"copy\":\"Healthcare groups and multi-location enterprises\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"faq\",\"theme\":\"white\",\"columns\":1,\"eyebrow\":\"Key considerations in commercial lending\",\"heading\":\"What mid-market borrowers are evaluating\",\"copy\":\"\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"What influences how commercial financing is structured?\",\"copy\":\"Structure is influenced by your business\\u2019s cash flow, collateral, industry, growth plans, repayment capacity, and overall financial profile. The goal is to align financing with how your business operates and how the capital will be used.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How does cash flow impact lending?\",\"copy\":\"Cash flow helps lenders understand your business\\u2019s ability to repay debt while continuing to manage operations. Strong, consistent cash flow may support larger or more flexible financing structures.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"What can C&amp;I loans be used for?\",\"copy\":\"Commercial and industrial loans can support working capital, equipment purchases, inventory, expansion, acquisitions, and other business needs. The use of funds depends on your company\\u2019s goals and the structure of the loan.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How are C&amp;I loans different from commercial real estate loans?\",\"copy\":\"C&amp;I loans are typically used for business operations, equipment, working capital, or growth needs. Commercial real estate loans are tied to the purchase, refinance, or improvement of property.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How do lenders evaluate business cash flow?\",\"copy\":\"Lenders review financial statements, tax returns, debt obligations, revenue trends, margins, and operating performance. They look for your business\\u2019s ability to generate enough cash to support both operations and repayment.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"What is the typical loan size for mid-market businesses?\",\"copy\":\"Loan size depends on your business\\u2019s financial profile, cash flow, use of funds, and overall lending need. Banesco USA typically works with commercial financing needs in the $10 million to $20 million range.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How long does the commercial lending process take?\",\"copy\":\"Timing depends on the complexity of the request, the documentation available, and the structure of the financing. Having organized financials and clear business objectives can help the process move more efficiently.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"When should a business seek new financing?\",\"copy\":\"Businesses often seek new financing when they are expanding, investing in equipment, managing liquidity, pursuing acquisitions, or preparing for a strategic opportunity. It may also be time to reevaluate financing when your current banking structure no longer supports growth.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"How do market conditions affect borrowing?\",\"copy\":\"Interest rates, economic trends, industry conditions, and lender outlook can all influence borrowing decisions. A commercial banking partner can help you evaluate timing, structure, and options in the context of current conditions.\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]},{\"type\":\"insights\",\"theme\":\"white\",\"columns\":1,\"eyebrow\":\"\",\"heading\":\"\",\"copy\":\"\",\"cta_text\":\"\",\"cta_url\":\"\",\"video_url\":\"\",\"media_id\":0,\"items\":[]},{\"type\":\"form_cta\",\"theme\":\"green\",\"columns\":2,\"eyebrow\":\"Start a conversation\",\"heading\":\"Financing built around your business \\u2014 not the other way around\",\"copy\":\"Banesco USA is a relationship-driven commercial bank serving mid-market companies across Broward County and South Florida. We build banking relationships that support more than a single transaction.\",\"cta_text\":\"Start a conversation\",\"cta_url\":\"#campaign-form\",\"video_url\":\"\",\"media_id\":0,\"items\":[{\"label\":\"\",\"value\":\"\",\"title\":\"Long-term partnership through growth and market cycles\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Decision-making speed and efficient closings\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0},{\"label\":\"\",\"value\":\"\",\"title\":\"Bankers who understand your operations and industry\",\"copy\":\"\",\"link_text\":\"\",\"link_url\":\"\",\"media_id\":0}]}]","_banesco_ppc_footer_disclaimer":"Loans are subject to credit approval and the Bank\u2019s credit policies. 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