• <p>Hyatt Regency<br>Orlando International Airport</p>

    Hyatt Regency
    Orlando International Airport

  • <p>Peabody Auditorium<br>Daytona Beach, Florida</p>

    Peabody Auditorium
    Daytona Beach, Florida

  • <p>Solid Waste Facilities<br>Collier County, Florida</p>

    Solid Waste Facilities
    Collier County, Florida

  • <p>Homestead-Miami Speedway<br>Homestead, Florida</p>

    Homestead-Miami Speedway
    Homestead, Florida

  • <p>Halifax Harbor<br>Daytona Beach, Florida</p>

    Halifax Harbor
    Daytona Beach, Florida

  • <p>Mizner Park<br>Boca Raton, Florida</p>

    Mizner Park
    Boca Raton, Florida

  • Hyatt Regency

    Orlando International Airport

  • Peabody Auditorium

    Daytona Beach, Florida

  • Solid Waste Facilities

    Collier County, Florida

  • Homestead-Miami Speedway

    Homestead, Florida

  • Halifax Harbor

    Daytona Beach, Florida

  • Mizner Park

    Boca Raton, Florida

View Projects

Delivering Funding for Worthwhile Public and Redevelopment Projects

Nearly $900 Million in Financing Since 1985

The City of Gulf Breeze, Florida began actively operating its first financing program in 1985. The city's initial program of loans to local governments and public entities was funded by a $500 million publicly offered bond issue. The favorable below-market floating or fixed rates on the bonds was passed along to hundreds of local governments, as diverse as the Cities of Arcadia and Pahokee to the Cities of Miami Beach and Orlando to Hillsborough and Escambia County. A second loan program in 1995 offered small loans at below market rates to smaller cities, counties and other public entities. Through these programs and others, almost $900 million in loans have been made available to local governments and non-profit entities.

GBFS in the News


FEMA head applauds REBUILD Northwest Florida REBUILD Northwest Florida founder and trustee Ed Gray speaks at the fortification of the 10,000th home in a hurricane mitigation program using federal dollars. Read More


Ed Gray an Outstanding Partner for Education Ed Gray, Executive Director of Gulf Breeze Financial Services and Capital Trust Agency, was one of two Outstanding Partners recognized for advancement of the Take Stock program during the Annual Meeting of the Escambia County Public Schools Foundation. Read More


Ed Gray Appointed to Taskforce GBFS Executive Director Ed Gray has been appointed chairman of the new Stormwater Task Force by the city of Gulf Breeze. The task force will investigate possible problems with the city’s storm drains that may have exacerbated the effects of the historic April flooding. Read More


Small Cities Are Turning to Bond Pools to Land Rates like Big Borrowers Sometime before the end of the year, the bedroom suburb of Pensacola plans to sell up to $500 million of tax-exempt revenue bonds, an offering that would be considered large for a city of any size, let alone tiny Gulf Breeze. Read More