Business Loans & Credit Card

Financing solutions to support operations, growth, and long-term plans. 
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Business financing options

We offer financing options to support working capital, expansion, equipment purchases, and other business needs. Our lenders can help you review solutions based on your goals. 
Talk to a lender Meet our lenders

Business Line of Credit

Access funds when you need them to help manage cash flow and everyday business expenses. 
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Business Term Loan

Finance office equipment, expansion, and other major investments with predictable repayment terms. 
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Commercial Real Estate Loan

Finance the purchase, construction, or refinance of owner-occupied commercial property.
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Working Capital Loan

Flexible financing to help support day-to-day operations and short-term business needs. 
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SBA Loan

Explore SBA financing options designed to help your business start, grow, or expand. 
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creditscore

Business Credit Cards

Credit cards designed to help manage business expenses and purchasing activity.


Features may include:

  • Expense tracking tools
  • Employee cards
  • Fraud monitoring
  • Online account access
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Gulf Coast Bank and Trust Main Office

Proven results

From startups to established companies, we're proud to support businesses across the Gulf South with the financing, banking solutions, and relationships they need to succeed.
20,000 +

Businesses served

Across the Gulf Coast

35 +

Years serving the Gulf Coast

Security and trust

60 +

Local lenders

Fueling local growth.

$ 1.8 M

Donated to local organizations

Invested in our communities

Your local lending team

Work with experienced lenders who understand the regional business environment and can help you navigate financing options.
Bruce Falkenstein

Bruce Falkenstein

EVP, Chief Lending Officer

NMLS: 490460

Covington

John J. Finn, III (Jack)

John J. Finn, III (Jack)

SVP, Chief Credit Officer

Jim Kyle

Jim Kyle

SVP, Market Manager

NMLS: 466133

Slidell

Rance Mangipano

Rance Mangipano

SVP, Commercial Lender

NMLS: 466141

Covington

Michael Carter

Michael Carter

SVP, Market Manager

NMLS: 466107

Veterans

Jennifer Boggs

Jennifer Boggs

VP, Market Manager

NMLS: 466104

Old Goodwood

Thomas Ogg

Thomas Ogg

SVP, Market Manager

NMLS: 466155

Lakeview

Sean Warner

Sean Warner

VP, Market Manager

NMLS: 466178

Business Center

Eric Van Hoven

Eric Van Hoven

SVP, Commercial Lender

NMLS: 108996

Main Office

Hart Bordelon

Hart Bordelon, CPA

VP, Market President

NMLS: 565727

Hammond

Randy Benefield

Randy Benefield

VP, Commercial Lender

NMLS: 618979

Boston Street

Jeff Dameron

Jeff Dameron

AVP, Commercial Lender

NMLS: 603195

Hammond

Rickie Dufrene

Rickie Dufrene

AVP, Commercial Lender

NMLS: 1724587

Gretna

Randy Sheuermann

Randy Scheuermann

VP, Commercial Lender

NMLS: 1737160

Manhattan

antoinestephen

Stephen Antoine

VP, Commercial Lender

NMLS: 1279940

Elmwood

Robert Bass

Robert Bass

AVP, Commercial Lender

NMLS: 1575211

Carrollton

Max Bourgeois

Max Bourgeois

VP, Commercial Lender

NMLS: 922913

Gretna

Jonathon Ochs

Jonathan Ochs

Coastal Region President

NMLS: 609098

Miramar Beach

Eric Bell

Eric Bell

AVP, Commercial Lender

NMLS: 701413

Veterans

Ferd Marsolan

Ferd Marsolan

Market Manager, Commercial Lender

NMLS: 419900

Covington

MaryAlice Neyhart

MaryAlice Neyhart

Market President, Baldwin County, Alabama

NMLS: 908364

Orange Beach

Carlos Herrera

Carlos Herrera

AVP, Commercial Lender

NMLS: 2790439

Williams

Brian Behlar

Brian Behlar

VP, Market Manager

NMLS: 466098

Williams

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Jeremy Bennett

Market President, Bay County, Florida

NMLS: 885525

Miramar Beach

Todd Elliot

Todd Elliot

AVP, Commercial Lender

NMLS: 1470064

Veterans

Christy Wells2

Christy Wells

Commercial Lender

NMLS: 803930

Hammond

Aiden Mangipano

Aiden Mangipano

Commercial Lender

NMLS: 2804315

Old Goodwood

Nathaniel Ochs

Nathaniel Ochs

Commercial Lender

NMLS: 2874859

Miramar Beach

Chris Hester

Chris Hester

President - Hattiesburg and Coastal Mississippi Market

NMLS: 650939

Hattiesburg

Rodney Senat

Rodney Senat

VP, Commercial Lender

NMLS: 1636890

Covington

HebertTrey_8272

Trey Hebert

Commercial Lender

NMLS: 2769416

Hattiesburg

FranklinSpring_0051

Spring Franklin

Commercial Lender

NMLS: 2840936

Business Center

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Bill Lloyd

Consultant

Miramar Beach

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Lane Redding

President, Walton County Market

NMLS: 498182

Miramar Beach

Lou Goideau

Lou Goudeau

SVP, Commercial Lender

NMLS: 703583

Hammond

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Joey Ginn

Consultant

Miramar Beach

This does not constitute an offer to lend. All applications are subject to underwriting guidelines and approval. Not all applicants will qualify for all products offered. Property is subject to approval. Information stated above is subject to change without notice and may only be available in select markets. See lender for more information.