Business lending is our forte.
Experience
Each of our lenders have years of local credit experience and a working knowledge of local market conditions.
Local Decision Making
Our processes and approvals are all performed in-house, which results in timely and straight forward approvals.
One-on-One, Relationship-Driven Service
As a borrower, you can expect to work with one experienced lender and decision maker regarding your project from start to finish. You'll save time and energy working with one person, instead of separate individuals for each component.
Out of the Box Creativity
Fitting you into a box of categories we've created isn't our style. Our mission is to find solutions to fit your needs, whether traditional or non-traditional.
Meet our clients! These local business owners share why they chose to bank with us, how our partnership has helped grow their business, and how Santa Cruz County Bank has added long term value to their businesses through lending services and financial solutions. It is our privilege to help our clients achieve their goals and dreams. What are yours?
"The level of attention and service we receive is unparalleled. We have realized that we can always count on Santa Cruz County Bank to be there for us, understand our unique needs and offer solutions that truly make a difference."
"We started banking with Santa Cruz County Bank when we saw how responsive they are to not just our needs as a law firm here in Monterey County, but also to our business clients. By banking locally and working with a community bank, we know we're supporting the community by keeping our money local."
"The Santa Cruz County Bank team goes above and beyond the call of duty for all our financial needs."
"At Santa Cruz County Bank I know exactly who to call when I need answers. The Bank makes decisions at a local level – the same way I do. The Treasury Management team walked us through the efficiencies of online and mobile banking and the security of having positive pay protection – all of which keep our bookkeeper very happy!"
"Santa Cruz County Bank was a partner at a critical time, and immediately responsive to our PPP needs. We moved our entire banking relationship to Santa Cruz County Bank. Their personable team made the transition, of all our accounts, very smooth."
"From the start, Santa Cruz County Bank has taken the time to understand our business and our goals. It is clear that the Bank is aligned with us to grow together for the long-term. We feel secure working with a stable and diversified bank staffed with diligent and responsive employees."
"We're really impressed with Santa Cruz County Bank. Their personal touch is what drew us to them. They take great care of us and treat us like family. The Bank's culture of trust and care for the client is exactly how we do business ourselves."
"Santa Cruz County Bank is amazing. They're responsive, eager to help, and they cut through red tape to make things happen. The staff is friendly and they volunteer at our events. They know us by name – and our kids' names too!"
"Asset-Based Lending was a great fit for RPM. It's been refreshing to be able to meet with our partners at Santa Cruz County Bank face to face. It's rare that a local business is supported so personally, with proximity and access to decision makers."
"We moved our business account to SCCB after the superb service their team provided with our PPP loan, at a time when everyone involved was overtaxed. The importance of that level of service in those circumstances cannot be overstated. They earned our business before they had it."
"As an owner/builder, getting a construction loan from Santa Cruz County Bank was smooth. SCCB walked us through the process, giving us encouragement and support throughout."
"Santa Cruz County Bank shares our vision and our commitment to the community. We value them as a trusted financial partner, and appreciate their responsiveness and their solution-driven approach."
"The Core Companies has always been drawn to community banks for their vision, involvement, role in, and understanding of community building. Santa Cruz County Bank made an exceptionally complex project simple because they understand and help execute our vision. Santa Cruz County Bank was key in the creation of this project. Agrihood would not have been possible without Santa Cruz County Bank."
"We moved our entire banking relationship to Santa Cruz County Bank, which has proven to be the best solution for us. Partnerships are the foundation of our success and we're grateful to be working with a community bank that treats us like a partner."
"The Bank guided Wonderland Toys through two PPP loans, the PPP forgiveness process, an SBA loan, and a seasonal line of credit. Everyone is so friendly, and the online banking and bill pay have been such advantages! It's a huge benefit to our business to have SCCB on our team."
"We switched all our banking over to Santa Cruz County Bank. They do a great job."
"High quality and personalized service sets our business apart. Santa Cruz County Bank shares these standards, which is why we switched banks. Their flexibility, friendliness and funding for our business allowed us to retain all our employees and to continue the legacy of our 91-year old business."
"We value our connection with a bank that delivers quality service and real friendliness – it's like talking to your neighbor. And most importantly, they know and understand our business."
"The move from a national bank to Santa Cruz County Bank has proven to be a smart one. We've experienced improvements, fewer issues, and greater efficiency without a single sacrifice. Since day one, SCCB has been attentive, accommodating, and consistently reliable."
"We partner with Santa Cruz County Bank for our personal and business banking. They really know what they're doing on construction lending. The loan process is seamless, their online banking access and branch locations are convenient, and the level of service is great. They're awesome!"
"We moved all of our banking to Santa Cruz County Bank. It was a smooth transition thanks to the Monterey branch team - Rich Aiello was a driving force in this process. They are easy to work with and really understand local businesses. Thank you for seeing the big picture and having faith in us!"
"All the people we have worked with over the past two years at Santa Cruz County Bank have been so professional, helpful and supportive. The online PPP loan application and forgiveness processes were straightforward and very easy to navigate. Kudos to you and your tech team for building a very customer friendly and efficient system. We realize that we would most likely not have our business without securing our two PPP loans. We are extremely grateful to you and your team for all that you did."
"A bank that focuses on relationships really understands what a business needs. Our loan gave us the capacity to give back to the community, and the confidence to know that we can execute as our business grows. We couldn't have done this without Santa Cruz County Bank. The relationship building made it possible."
"We switched all our banking to Santa Cruz County Bank, which was smooth and easy. They listen and truly understand agriculture and the needs of our business."
"Shared values. That's why we partner with Santa Cruz County Bank. They're as committed as we are to personal service that makes customers feel like family."
"Santa Cruz County Bank is there for us when we need them the most. We are extremely happy with the level of support for our two companies, including much-needed PPP funding, a revolving line of credit, and everyday banking. We couldn't be happier with our banking partnership."
"We've been banking with Santa Cruz County Bank since the beginning, and as Digital NEST grows, they're right there with us. The parallel growth we're both experiencing, the community minded focus we both have - it's a successful partnership that supports our goals along the Central Coast"
"It's important to us to partner with a bank that actively invests in the businesses and organizations that make the Santa Cruz community thrive. Santa Cruz County Bank is a wonderful partner - during construction of our new shelter, for our ongoing banking needs, and looking forward as we grow our lifesaving work and deepen our connection with our community"
"We switched to Santa Cruz County Bank for all our banking needs. The process went smoothly thanks to the Cupertino staff who were attentive, responsive, and paid attention to every detail. The team at SCCB is very reliable and we are happy with our decision to change banks."
"I want to thank Santa Cruz County Bank for helping my business during the pandemic. They promptly answered my questions and helped me obtain a PPP loan. My PPP loan forgiveness was just accepted! I recommend SCCB to my fellow business owners and to individuals. I could not have done it without their help. "
"We turned to SCCB when we saw how they were using all the resources at their disposal to process applications, in time for the deadline and to secure loans for local businesses in the first round of funding. That kind of personal attention and resourcefulness is just not available from the national banks. "
"Santa Cruz County Bank is a local partner we can trust. They are flexible to our needs, and supportive of our mission."
"We had a lot of challenges finding a banker who could support our mission and values. The team at Santa Cruz County Bank listened, took time to understand our business, and came up with creative solutions in very timely manners. We are so grateful for this partnership!"
"We have relied on Santa Cruz County Bank for all our banking needs for over a decade. We're on a first-name basis with bankers who understand the seasonality of our business and the recent impacts of the pandemic. Dependability is everything, and Santa Cruz County Bank has come through for us every time."
"The Don Chapin Company is pleased to have a strong relationship with Santa Cruz County Bank. They are a leader in understanding local businesses and our local economy. We give Santa Cruz County Bank the highest rating for their commitment to our community, their timely responses, and their great customer service. SCCB truly understands the needs of those who live, work and play here."
"As a small, local business, it is very important to us to bank locally! You can't beat the experience at Santa Cruz County Bank - everyone is so friendly, the service is speedy, and they've always been there for us. PLUS, we get to enjoy their beautiful landscape every time we make a deposit - definitely a perk for us plant ladies!"
"Santa Cruz County Bank provided a seamless, comforting experience during a highly troubling (and confusing) time. In the process of applying for and receiving a PPP loan, it was evident that we were not just a "number," but a valued part of our community. The exemplary service the Bank's staff provided showed us their true, caring culture for the well-being of this community. Thank you, Santa Cruz County Bank and Staff - you are all genuine, dedicated, and appreciated!"
"What sets Santa Cruz County Bank apart is they take the time to understand your business model, find out what your long-term goals are, and then offer solutions to make that happen. They have been a critical partner in our ongoing success, delivering consistent, personalized support."
"It's comforting to know our bank is behind us. As an essential business, we turned to Santa Cruz County Bank for a PPP loan during the pandemic to retain 30 critical positions. We've been impressed with their personalized service and attention to our business"
"We have known for a long time that SCCB was unparalleled in customer service and commitment to local businesses. Even with that knowledge, their hard work and dedication during COVID-19 has gone above and beyond. They are an incredible partner to this community."
"I am so happy to have found a bank that understands our vision. Thank you Santa Cruz County Bank for believing in my business and supporting our expansion."
"When President & CEO David Heald visited us in 2004, he let us know a new bank was opening. We signed up and have loved the personalized service ever since! No 1-800 numbers here. Our bankers provide the help we need right away."
"Working with Santa Cruz County Bank for the last 15 years has allowed us to grow our business and expand relationships with our customers. As a family owned business, I appreciate the connections and support my local bank has to offer."
"We have had a strong relationship with SCCB since its founding in 2004. Their personalized service and expertise got us through COVID-19 by securing an SBA PPP loan and funds to protect our business and retain our excellent staff."
"Santa Cruz County Bank has supported my business since day one. When I was just starting out, they took the time to understand my business and came up with creative ways to support funding. We're now a multi-million-dollar business. It has been a great relationship for the past 11 years."
"We have turned to Santa Cruz County Bank for everything from vehicle financing to business checking and a working capital line of credit. They are the best of both worlds: all the services of a larger bank combined with small town accessibility, and an understanding of the customers we serve."
"When we needed financial assistance to expand our clinic, we went directly to Santa Cruz County Bank. Securing financing helped us renovate and expand our East Beach Street clinic in downtown Watsonville, and provide care to 10,000 additional patients. We have been banking here for many years. We highly recommend our bank to other businesses looking to partner with a local community bank that understands the needs of the community."
"Without the support and expertise of our local bank, we could not have grown as quickly as desired. Our local bank knows our business and always responds to meet our needs."
"Banking at its best is local and personal. With Santa Cruz County Bank we have both. Our new expansion on the Santa Cruz Wharf is one example of how our growing business is fully supported because of where we choose to put our money."
"Tepui is proud to pioneer a new industry with the support of Santa Cruz County Bank"
"Santa Cruz County Bank has provided us with the support and service I can trust to operate a resilient and healthy farm."
"Finding a small community bank with specialized lending programs and experienced lenders allowed me to finance my business through the USDA's Farm Service Agency loan program. The Bank listened to my needs and found the right solution to finance my farming operation when other banks could not. I'm grateful for their professionalism, lending expertise, and great service!"
"Our 4th generation wholesale nursery business secured financing through Santa Cruz County Bank to purchase our property, along with a line of credit to help with seasonal cash flow. It was a breath of fresh air to find a bank that listened to our needs and delivered. Thank you for making our banking so effortless!"
"We choose Santa Cruz County Bank because we know they share our values of putting community first. Not only do they make banking easy, we see them out volunteering, engaging their customers and investing in our community every day."
"When we needed business financing, Santa Cruz County Bank listened to and met all of our needs. Thanks to their expertise and commitment to meeting our business needs, we have realized our ultimate vision for our company and we have peace of mind. With Santa Cruz County Bank, we have more than a bank; we have a long term relationship."
"Compatibility, service and giving back locally are the values Santa Cruz County Bank and Santa Cruz Guitar Company share in common. What a fine match for our community."
"As a busy business owner, I need 21st century technology, backed by the human touch. With Santa Cruz County Bank, I have both, and my banking is easy as 'pizza' pie."
"The successful expansion of our business was made possible by Santa Cruz County Bank. Because of their responsiveness and expertise the process was efficient and smooth, and our business is thriving."
"Pacific Cookie Company has banked with Santa Cruz County Bank since the Bank's inception. As our company grows, the Bank continues to be a valuable mentor and team member. We appreciate that the Bank understands our financial needs and that they are dependable, timely and committed to our 'sweet' success."
"Santa Cruz County Bank has been a loyal and responsive business partner to Pacific AgPak for the past nine years. We know exactly who to call and enjoy doing business with a local community bank that supports our financial needs every step of the way."
"Santa Cruz County Bank has met our unique financing needs for the past 10 years. They've come through for us every time with ease and expertise; from refinancing a south county plant, to providing financing for our cement trucks. We enjoy working with a local bank that provides face to face, personalized service and local decision making."
"Santa Cruz County Bank is a big part of what makes our multi-generational business viable. Being a seasonal business requires more than a bank, but a relationship. Santa Cruz County Bank understands our business, sees our vision and makes our success possible."
"Santa Cruz County Bank’s lending team met our desire to be at the forefront of innovation in building technology and energy efficiency. They have demonstrated flexibility and enthusiasm from the early stages, to the ground breaking, and into the home stretch as we realize the fulfillment of our long term dream to operate a winery on our estate vineyard property. Cheers to Santa Cruz County Bank!"
"At California Pajarosa we believe in supporting our local economy. When selecting a bank, we chose the bank that reflects the way we do business and that shares our values of supporting local charities and events, and truly cares about our community. That bank is Santa Cruz County Bank, involved and local."
"Banking is all about relationships. Our business greatly values the relationship we have with Santa Cruz County Bank. They are our neighbor, they know us by name, and every day, year after year I know I can count on them."
"When the recession hit, Santa Cruz County Bank financed our locally owned, 30 year old business, when other local branches of large national banks would not. With this support, our business is now thriving and we continue to support our local economy, providing paychecks for 70-80 local families."
"For us, it's all about the relationship you have with your bank. After years of dealing with large corporate banks, we've found Santa Cruz County Bank to be flexible, cooperative and easy to work with. Here, we feel we have a partnership; we work together, and we both benefit. We love banking at Santa Cruz County Bank."
"Santa Cruz County Bank afforded us the opportunity to make favorable business improvements and went the extra mile to meet our borrowing needs. We're extremely satisfied and we enjoy knowing that our bank supports the local community."
"Santa Cruz County Bank financed our new location all in one stop, from ground up construction to permanent financing. The SBA loan with Santa Cruz County Bank has enabled our company to grow and expand in challenging times."
"Santa Cruz County Bank is the perfect partner for our growing business. They've provided financing, merchant credit card solutions and everything in between so we can manage all our personal and business banking needs. We love banking locally, with Santa Cruz County Bank."
"Santa Cruz County Bank financed all of our surgery center equipment which has allowed us to expand and revolutionize the quality of care we give our patients. We've relied on Santa Cruz County Bank to find solutions to support our needs for the past 5 years. As our business grows, we know our bank is behind us every step of the way."
"When we thought of installing solar for our business, Santa Cruz County Bank said, 'Yes, we'll finance it!' Thanks to Santa Cruz County Bank, we've added long term value to our company, and we are invested to provide for future generations. Whenever we've had a business idea or need, Santa Cruz County Bank has provided a solution."
Photographs by r.r. jones photography.
© 2024 Santa Cruz County Bank. All rights reserved.
California Consumer Privacy Act Notice | Privacy Policy | Member FDIC | 
Equal Housing Lender
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.
| 