Steve is an honest, dependable and hard working Commercial Lender. I have not only worked along side Steve, but also considered him a mentor in my Commercial Lending career path. Beyond that, Steve has an impressive lending acumen and very knowledgeable. His knowledge of the market conditions, underwriting and expertise is a huge advantage to his business clients and fellow peers in the industry.

Steve Fulmer is one of the best lenders in the market. I have known Steve for a few years and know what he is capable of. We have referred each other deals that my bank can't do and his can and vice versa. His knowledge and expertise in lending and structuring deals to get them approved are remarkable. He will let you know if he can get a deal done immediately and won't waste anyone's time. I consider him a friend and a great person. He has taught me to become a better lender.

I've had the pleasure of working alongside Steve in our mastermind group, and I can honestly say he's one of the sharpest lending professionals I've met. While our fields—criminal defense law and commercial lending—don't usually cross paths, Steve's expertise in helping business owners grow through smart financing is genuinely impressive. Steve brings real insight (and a cigar!) to every discussion, whether we're talking business growth strategies or diving into market trends. His track record of facilitating $300M+ in loans to small and medium businesses shows he knows how to understand what entrepreneurs actually need and get things done. What I appreciate most is his genuine commitment to helping business owners succeed—he's not just processing loans, he's partnering with clients to find the right financing solutions for their specific goals. As a US Army Veteran, Steve brings the same discipline and integrity to his work that served him well in the military. His expertise covers SBA loans, equipment financing, commercial real estate finance, and M&A transactions, making him a go-to resource for businesses at any stage of growth. Any business owner looking for a lending partner who truly gets the challenges of scaling a business would be lucky to work with Steve. His professionalism, knowledge, and genuine desire to see others succeed make him a real asset.

I worked with Steve for several years. During our time I saw firsthand that he always worked hard for his clients while at the same time balancing the requirements of the bank. Steve came to work daily with focus and determination to provide top notch service to his clients. He was also one of the more detail oriented and organized loan officers. Steve is very knowledgeable and loves giving back to the community.

I’ve worked with plenty of lenders, but Steve Fulmer stands out as the rare combination of deep lending expertise and white-glove customer service. • Unmatched knowledge. Steve has personally closed more than $300 million in SBA, CRE, and small-business loans. He doesn’t just quote guidelines—he explains the why, walks you through underwriting logic, and structures deals that survive credit committee scrutiny the first time. • Strategic thinking. Whether it’s an unanchored retail plaza or a complex construction-to-perm facility, Steve looks at the whole capital stack, not just the loan request. I’ve seen him rescue transactions other banks had already declined by repositioning collateral or layering in SBA support. • Rapid, clear communication. Calls are returned the same day, emails are concise, term sheets arrive fast, and you always know where the deal sits in the pipeline. That transparency keeps everyone—broker, buyer, and seller—in sync. • Client-first mindset. I’ve watched him coach first-time business owners through their very first commercial mortgage and, in the same week, advise seasoned investors on rate-lock strategy. Every client feels like his only client. If you need a lending partner who will fight for your deal, educate you along the way, and close on time, Steve Fulmer is the banker you want in your corner.

It's rare to find a voice in the sales and marketing world that genuinely cuts through the noise, but Steve is that voice. What's particularly impressive is how he translates the specific lessons from his work in SBA lending into universal, value-based principles that benefit the entire business community. His insights consistently shift the focus towards what truly matters: creating and communicating authentic value. I cannot recommend listening to Steve highly enough.

I recently had the chance to speak with Steve Fulmer and was impressed by how much he knows about the market and the commercial lending landscape. He has a strong understanding of current trends and local regulations and he clearly stays informed on what’s happening in the area. What stood out most to me is that Steve is someone who genuinely enjoys helping others. He’s generous with his time and insights and clearly cares about supporting business owners and entrepreneurs. It was a great conversation, and I appreciated his knowledge and willingness to share it.

I have known Steve for a long time as a friendly competitor in the commercial banking market. Steve is the type of person who always follows through on what he says he is going to do. He goes the extra mile to take care of clients and helps them find solutions even when that may require looking beyond what his company can offer.

Steve brings extensive Industry knowledge, strong underwriting and analysis skills. He takes a holistic approach while helping our Small Business Members and can look beyond the numbers to evaluate a company's creditworthiness. He is thoughtful and diligent in projects undertaken. Always place Members first while bringing valuable and effective Solutions. I would refer Steve any Commercial Loan in a heartbeat!