At Cogent Bank, we believe entrepreneurship is more than just building a business—it’s a journey fueled by passion, resilience, and a vision for the future. We also recognize that the road to success is often paved with challenges, and that’s why we’re dedicated to being the trusted partner entrepreneurs can depend on every step of the way.
By offering tailored financial solutions, delivering personalized service, and fostering long-term relationships, we go beyond banking to empower businesses to thrive. Our unwavering commitment to understanding each client’s unique needs allows us to craft strategies that drive growth and help turn ambitious goals into reality.
This dedication has enabled us to play a key role in the success stories of businesses like Be On Park, Simplifi Holdings, and SIC Cups. Whether it’s navigating unexpected hurdles, seizing growth opportunities, or turning challenges into achievements, we’re proud to stand beside these businesses as they reach new heights. Their journeys are a testament to what’s possible with the right support—and a shared belief in the power of entrepreneurship.
Be On Park: Balancing Bold Risks with Smart Financial Moves
Heather Cunningham, the owner of Be on Park, a locally owned fine jewelry store with a 40-year history, credits her success to passion, adaptability, and the support of strong partnerships, such as Cogent Bank. Bringing a unique perspective to entrepreneurship, Heather’s journey into business ownership began as a customer who fell in love with the store and saw an opportunity to continue its legacy in her community. She encourages aspiring entrepreneurs to embrace risk and act boldly: “Understand your tolerance for risk and then push yourself a bit further. Fear is natural, but success comes from diving in with both feet and committing wholeheartedly to your vision.”
Financial discipline has been another cornerstone of her success, and Heather emphasizes the importance of closely monitoring what’s coming in and going out, especially during good times. Cogent Bank has played a pivotal role in supporting their growth, from facilitating the store’s acquisition to offering innovative financial solutions for evolving needs. “Cogent understands our business and is invested in our success,” Heather explains. With their help, Be on Park has modernized its systems, expanded its reach, and continues to thrive, serving as a testament to the power of perseverance and strong financial partnerships.
Simplifi Holdings: The Importance of a Strong Support Team
Ralph Wills, a CPA and entrepreneur, has built a career transforming struggling businesses and growing ventures. From starting his first CPA firm to owning and operating 21 UPS stores, his advice for entrepreneurs centers on preparation and strong support: “Surround yourself with good advisors—every successful businessperson needs a strong team, including a good banker, lawyer, and accountant. They’ll help you see opportunities and challenges you might otherwise miss.” He emphasizes the importance of having enough capital and checking every detail upfront to avoid costly mistakes in the future.
A key to Ralph’s success has been his partnership with Cogent Bank. After challenges with larger banks, he turned to Cogent for their personalized service and flexibility. “Cogent understands my business and helps structure financing tailored to my needs,” he shares. From real estate financing to debt management, their expertise and local decision-making have been essential in supporting Ralph’s business growth. For him, Cogent’s strength lies in their commitment to building relationships and delivering solutions that work, making them a key partner in his entrepreneurial journey.
SIC Cups: Scaling Creativity With Strategic Support
SIC Cups, a Jacksonville-based custom drinkware business, has built success through innovation and strategic planning under the leadership of its Co-owner, Alex Lamm. Early challenges included managing cash flow and inventory effectively, lessons that became key to their growth later. His advice for entrepreneurs is to focus on cash flow, stay adaptable, and be ready to tackle every aspect of a running business. “Starting a small business means competing in a big world, but it’s all about having the right mindset and mission,” Alex explained.
A strong partnership with Cogent Bank has been critical to their success. “Cogent helped us secure and expand our line of credit as we grew, giving us the flexibility to thrive,” he shared. Cogent’s personalized service and commitment to small businesses have made processes seamless and provided the financial support SIC Cups needed to grow and scale. For them, Cogent isn’t just a bank—it’s a trusted partner in their journey.
John Washburn: Growing Smart and Staying Local
John Washburn, owner of Washburn Imports, has spent nearly 30 years building businesses that blend entrepreneurial spirit with community focus. His journey began in 1996 as a one-man operation importing furniture, inspired by his family’s entrepreneurial background and a desire to work independently. His advice to entrepreneurs is clear: “Take your time, don’t grow too fast, and trust your instincts.”
He emphasizes the importance of community and relationships, which led him to Cogent Bank after frustrations with national banks. From providing reasonable loans to offering personalized guidance, Cogent has been a key partner in his success. “They know me, they know my business, and they reach out when I need advice or support. It’s a relationship built on trust.” With Cogent’s support and his focus on community, John continues to expand his business by opening a new local restaurant called The Imperial on Park in Winter Park, Florida.
Why We’re More Than Just a Bank
At Cogent Bank, we pride ourselves on being more than a financial institution, we’re a trusted partner invested in the success of our clients. By supporting businesses like Be on Park, Simplifi Holdings, and SIC Cups, we’ve seen firsthand how personalized financial solutions, genuine relationships, and a commitment to understanding unique challenges can turn ambitious goals into reality. Cogent Bank offers creative solutions that help our clients meet both long- and short-term financial goals. Our entrepreneurial spirit makes us adaptive and agile as we continue to grow to meet the needs of the markets we serve. Our mission is to empower entrepreneurs to thrive, no matter the obstacles, and to help build stronger businesses and communities through every step of their journey. With Cogent, you’re not just banking — we’re building success together.
