A Lesson in Local Business


When Jennifer and Jonathan Meacham, owners of Epic Boardsports in Cocoa Beach, outgrew their existing building and found a larger building to expand their operation, they wanted to move quickly through acquisition and relocation. The new property at 350 N Orlando Ave. was just one block west of their current building and included two additional buildings with existing tenants, so the move would also provide an additional source of cash flow.

When it came time to interact with banks, however, the company known for action with its paddleboard sales, tours, lessons and rentals found itself at a standstill.

“We were serious about the loan process, but some other banks weren’t,” Jennifer Meacham said.

The Meachams’ fortunes changed, however, when they began working with Fred Williams, vice president/ commercial lending of Fidelity Bank of Florida, which has offices in Merritt Island and Longwood. Williams is responsible for developing and servicing prospective business customers and providing a variety of commercial and real estate loan products, and he arrived on the scene with more than 25 years of industry expertise. In this case, according to Jennifer Meacham, Williams also brought urgency.

“He took us seriously from the start, and when it came down to numbers, they were workable,” she noted, adding, “He has also been instrumental in providing referrals for commercial insurance and other things that made this a really positive transaction.”

In the end, Fidelity Bank of Florida provided the funds to purchase the property, as well as financing to renovate the new building, which currently is being gutted and remodeled to accommodate Epic Boardsports’ growing business.

That commercial loan transaction was small in the grand scheme. Yet, its underlying theme speaks loudly: meeting needs quickly.

Essentially, the Meachams did not want to wait around, and Williams obliged them. A resident of Melbourne since 1990, Williams delivered another especially valuable lesson for good local business: listen.

“The capacity to listen to what the customer needs and promptly assist in meeting those goals is what sets the Fidelity Bank of Florida team apart from the rest,” Williams said. “The interaction with various business owners and learning about their businesses enables us to provide the services necessary to help them grow and be successful.”


Fidelity Bank of Florida is a Member FDIC and Equal Housing Lender where all loans are subject to approval.

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i4 Business

i4 Business

i4 Business magazine has become one of the most trusted voices for and about the Central Florida business community. Each month through our print and digital platforms, we provide access to meet, to learn from and to learn about some of the incredible entrepreneurs and business leaders, along with economic trends that are shaping our region.

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