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User:Steve Fulmer/sandbox

The topic of User:Steve Fulmer/sandbox is of great interest to a wide spectrum of individuals and professionals, since it has significant implications and repercussions in various areas. From its impact on health, to its influence on the economy, to its consequences on the environment, User:Steve Fulmer/sandbox is a topic that deserves special attention and that can provide valuable perspectives to better understand the world around us. In this article, we will delve into the many facets of User:Steve Fulmer/sandbox and explore its dimensions in depth, with the aim of providing a comprehensive and complete vision of this very relevant topic.

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Stephen Fulmer

Stephen Fulmer (born c. 1982) is an American commercial banker, U.S. Army veteran, and small business advocate. He is the Senior Lender at Commerce Bank and Trust[1] in Central Florida, with over two decades of experience in financial services, including leadership roles at regional and community banks. Fulmer is known for his contributions to small business financing, particularly in SBA, C&I, CRE, and construction lending. He was recognized by the Orlando Business Journal in 2021 as both a Veteran of Influence[2] and one of Central Florida's 40 Under 40 leaders for his impact during the COVID-19 pandemic.

Early Life and Education

Fulmer is bilingual in English and Spanish and served in the U.S. Army prior to entering the financial industry.[3] He holds an MBA from the University of Phoenix.

Career

Fulmer began his banking career in the early 2000s, quickly advancing into leadership roles due to his expertise in small business lending and management. Over the years, he has held executive positions at institutions including:

His specialties include SBA lending, commercial real estate finance, construction lending, and wealth management. He is also noted for mentoring young banking professionals and driving business development through community engagement.

Pandemic Response and Recognition

During the COVID-19 pandemic, Fulmer was instrumental in coordinating SBA Paycheck Protection Program (PPP) loans that helped retain over 7,000 jobs across Central Florida. This led to his recognition in 2021 by the Orlando Business Journal as one of the region's most influential businesspeople.

Awards:

  • Orlando Business Journal – Veteran of Influence, 2021
  • Orlando Business Journal – 40 Under 40 Honoree, 2021

Entrepreneurship and Advocacy

In 2024, Fulmer launched SmallBusinessApproval.com, a resource hub aimed at simplifying the small business lending process for entrepreneurs and community bankers. The platform provides tools, templates, and calculators for loan readiness, helping borrowers and lenders navigate SBA and traditional financing.

As the founder, he advocates for community banking innovation, aiming to modernize the borrower experience while retaining personalized service. He is also an active voice in promoting Hispanic and veteran-owned small businesses across Florida and beyond.

Publications and Media

Fulmer is the creator of Banker's Brain, a blog published through SmallBusinessApproval.com, offering insights on banking trends, lending best practices, and economic data analysis for entrepreneurs.

His work and commentary have appeared in:

  • Orlando Business Journal
  • SBA.gov
  • LinkedIn Pulse and community banking publications

He is frequently invited to speak at business development forums, lender training sessions, and community investment panels.

Personal Life

Fulmer is deeply involved in Central Florida's business[6] and nonprofit community.[7] He continues to mentor[8] aspiring bankers and advocates for better access to capital for underserved entrepreneurs.

References

: Orlando Business Journal. "How One Local Banker Helped Save 7,000 Jobs During COVID-19." OBJ, 2021.[9]

: Orlando Business Journal. "Veterans of Influence 2021: Stephen Fulmer." OBJ, November 2021.[10]

: Orlando Business Journal. "40 Under 40: Central Florida Leaders Making a Difference."[11]OBJ, August 2021.

External Links

  • SmallBusinessApproval.com[12]
  • Stephen Fulmer on LinkedIn[13]


References

  1. ^ https://cbtfl.com/
  2. ^ "The Team – Veterans Entrepreneurship Initiative".
  3. ^ "BrokerCheck - Find a broker, investment or financial advisor".
  4. ^ https://www.bizjournals.com/orlando/news/2021/04/08/2021-veterans-of-influence-steve-fulmer.html
  5. ^ https://www.bizjournals.com/orlando/news/2021/05/28/2021-40-under-40-steve-fulmer.html
  6. ^ "Future Leader of the Year Award".
  7. ^ "Orlando Chapter".
  8. ^ "Reviews of the Oviedo-Winter Springs Regional Chamber of Commerce, CEO Salary, Legit, Mission, 990 and more".
  9. ^ www.bizjournals.com https://www.bizjournals.com/orlando/news/2021/04/08/2021-veterans-of-influence-steve-fulmer.html. Retrieved 2025-06-30. {{cite web}}: Missing or empty |title= (help)
  10. ^ www.bizjournals.com https://www.bizjournals.com/orlando/news/2021/04/08/2021-veterans-of-influence-steve-fulmer.html. Retrieved 2025-06-30. {{cite web}}: Missing or empty |title= (help)
  11. ^ www.bizjournals.com https://www.bizjournals.com/orlando/news/2021/05/28/2021-40-under-40-steve-fulmer.html. Retrieved 2025-06-30. {{cite web}}: Missing or empty |title= (help)
  12. ^ https://www.smallbusinessapproval.com/
  13. ^ "Steve Fulmer - Commerce Bank & Trust | LinkedIn".
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