Location: Frederick, MD
Practice areas: Small business lending
“Frederick County Bank (FCB) and its employees are very consultative in their approach to providing products and
services to clients,” says Marty Lapera. “We listen to our clients so that we understand their challenges and opportunities, and work together to provide solutions that lead to the financial well-being and success of our customers.” Lapera has encouraged all FCB employees to conduct business in the most ethical, constructive and positive way possible. “I encourage our lenders to be responsive, flexible and creative in finding ways to assist our clients, as opposed to finding reasons to decline loan opportunities,” he says.
QUICK TIP: “Start by doing what is necessary; then do what is possible; and soon you are doing the impossible.” – Francis of Assisi
“Marty has always been there to help through good times and bad times. His compassion and honesty make him the genuine person that we all strive to be. … Even though he is not our [banker], he takes the time to talk to me about options in banking and best ways to bank for small businesses. He gave me advice on the following: 1. Moving from accrual to cash accounting when we had a client who did not pay a large bill. We got almost $100,000 back from taxes. 2. Buying a space as opposed to renting, and how to get a mortgage. 3. How banks work on getting loans, and he advised me on getting a line of credit and how to use it.” – Nick Damoulakis, President, Orases