For more than three decades, John M. Floyd and Associates has delivered solid results to over 2,000 clients throughout the United States and Central America. That translates to over billions in increased pre-tax earnings for our clients as a direct result of our programs and strategies. JMFA offers a comprehensive line of programs, support and consulting services on loan optimization, lending, new fee income, call center programs, expense control, and operational effectiveness, profit planning, salary administration, sales and service programs.