Banking Solutions

Cypress Commercial Lending

Whether you’re a business professional, a seasoned business owner, or an entrepreneur with a great idea, we speak your language. Here at Cypress, we are fluent in cash flow, capital, profitability, risk management, profits, and return on investment. We can help you make your money work overtime, so someday you don’t have to. And speaking of earning, let Cypress Bank & Trust’s experienced bankers tailor a strategy that aligns your business goals with your personal goals. We work for you and we’re ready to earn your business.


  • Revolving Lines of Credit
  • Seasonal Lines of Credit
  • Term Loans
  • Machinery & Equipment Loans
  • Business Loans secured by Real Estate
  • Unsecured Lending
  • Savings and Time Deposit Loans
  • Standby Letters of Credit
  • Commercial Letters of Credit
  • Back-to-back Letters of Credit


  • Commercial Office Property
  • Industrial Property
  • Retail Property
  • Warehouse Property
  • Multi-Family Property


  • Residential and Office Condominium Development
  • Residential Subdivisions
  • Commercial Office Property
  • Industrial Property
  • Retail Property
  • Hotel/Motel
  • Warehouse Property
  • Non-Owner-Occupied Single-Family Homes – Model Home or Speculative
  • Non-Owner-Occupied Single-Family Homes Pre-Sold

For more information about our commercial lending solutions, call, email, or visit one of our bank offices. 

Lending Contacts

TIMOTHY O. CRAMER, NMLS 2287559 | Commercial Banker | Vice President

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Timothy O. Cramer, Commercial Lender and Vice President, is a 40-year banking professional who has served the North and Central Florida markets since 1996. Prior to joining Cypress Bank & Trust, Timothy held commercial lending roles with Florida Business Bank, Bank of America, and Huntington Bank. He was also instrumental in expanding the SBA504 loan program throughout Florida from 2002 to 2019 with Florida Business Development Corporation, a Certified Development Company who administers the SBA504 Program. He began his career in 1981 with Citizens Bank in Manchester, New Hampshire. Cramer earned his B.S. in Accounting at Southern New Hampshire University and is also a graduate of Babson College Commercial School of Banking. He has been on various committees of the United Way and has assisted classes for the Dale Carnegie Institute.

Direct 321-306-4104

MERCEDES F. MCCALL, NMLS 809420 | Relationship Manager | Senior Vice President

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Mercedes Figueroa McCall, Relationship Manager and Senior Vice President, works to develop new client relationships and serves as a community ambassador for Cypress Bank & Trust. Early in her career, Mercedes built a name for herself as the first Hispanic female banking executive in Central Florida and is well-known for her many contributions to the community. She has served in various nonprofit Board of Directors roles, including the first female President of the Hispanic Chamber of Commerce, Chair of Orange County Housing Finance Authority, Board member of Jobs Partnership, and founding member and Past Chair of HBIF, now Prospera.

Direct 407-961-6054

KYM MARKS, NMLS 1394145 | Relationship Manager | Vice President

Headshot of Kym

Kym Marks, Relationship Manager and Vice President, has 35 years of experience and professional knowledge building relationships in the banking industry and uses her positive attitude to encourage others to work hard and succeed. Kym began her banking career in 1987 with Sun Bank of the Treasure Coast, and later continued with United Bank as a Branch Regional Operations Manager.

Direct 561-296-6296

CHRIS MYERS, NMLS 1201787 | Senior Relationship Manager | Senior Vice President

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Chris Myers, Senior Relationship Manager and Senior Vice President, has over 30 years of experience building relationships with clients in the banking industry. Chris relocated to Brevard County, FL in 2013 and began working as branch manager for Florida Bank of Commerce. She later joined Cypress Bank & Trust in May 2021. Her prior career pursuits include working for Holy Trinity Catholic Church in Weston, MO, as Director of Religious Education and Confirmation Formation. Chris serves on several community Boards including Habitat for Humanity of Brevard County, Children’s Home Society of Florida – Space Coast Regional Advisory Board, Bridges BTC, Rotary Club of Suntree, and Hey, Blue Advisory Council.

Direct 321-306-4107

MARIA R. RODAMMER, NMLS 1168504 | Senior Commercial Lending Officer | Senior Vice President

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Maria Rodammer, Senior Commercial Lending Officer and Senior Vice President, utilizes her leadership and customer service abilities to continue to grow Cypress’ presence. With nearly 23 years in the commercial banking industry, Maria is leading the bank’s market expansion throughout Florida and working directly with clients who are seeking solutions for their personal and business banking needs. She is passionate about playing an integral role in the growth of her clients’ businesses. Maria is a committed volunteer for many local charitable and business networking organizations. She graduated from the University of Central Florida with dual Bachelor’s Degrees in Marketing and Management Information Systems. She is also a graduate of The Florida School of Banking from the University of Florida.

Direct 407-961-6057

Cypress Bank and Trust business credit card laying over iPhone with Cypress Bank and Trust app showing

Bank From Anywhere

Cypress Bank & Trust helps you easily manage your money by consolidating all your banking in one place. We provide an intuitive digital dashboard to let you control multiple accounts, move funds, pay bills and track spending. Plus, ask us how we can help you with merchant services such as processing payments and accessing those funds simply. A whole suite of services to keep your business running smoothly. Bank the Cypress Way.