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" to fit into categories that we've created is just not our style. Our mission is to find solutions to fit your needs, whether traditional or non-traditional.
Meet our customers! 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 customers achieve their goals and dreams. What are yours?
"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"
"Santa Cruz County Bank provided PPP funding at a critical time for our business which allowed us to retain 48 employees during the pandemic and adapt our business. Thanks to their support, we are able to launch our new botanical living wall direct to consumer product line, Gromeo"
"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."
"Santa Cruz County Bank's SBA department was knowledgeable & responsive throughout the loan & construction process. Their expertise & assistance were key to the successful completion of our project."
"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.
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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.
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