Business Lending

Two parties signing a contract.

Business Lending

Santa Cruz County Bank is the county's leading local lender. We offer competitive pricing on Real Estate lending, Small Business Administration (SBA), Business and Industrial (B&I) and Farm Service Agency (FSA) lending by experienced, creative local lenders. Let us put all the things you desire within your reach! With local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for your lending needs. We are a full service bank that specializes in all aspects of Construction & Commercial Business lending. Find out What Sets Us Apart and Meet our Customers to find out what local business owners are saying about Santa Cruz County Bank.

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We offer:

  • Full complement of revolving and non-revolving lines of credit.
  • Long-term notes for capital needs
  • Short-term notes for various specific needs
  • Merchant services
  • Commercial and Stand-By Letters of Credit
  • And more, just ask!

For an appointment or if you have questions in regard to business loans, please contact:

Santa Cruz

Marshall Delk

Marshall Delk
VP Sr. Regional Relationship Mgr.
831.600.4041

Brent Dunton

Brent Dunton
VP Business Banking Officer
831.600.4064

Kathryn Hohl

Kathryn Hohl
VP Relationship Manager
831.600.4001

Sean Laverty

Sean Laverty
Relationship Manager
831.600.4045

Chris Maffia

Chris Maffia
VP Regional Relationship Manager
831.600.4023

Kristine Ronzano

Kristine Ronzano
VP Relationship Manager
831.431.4609

Kaylee Silverberg

Kaylee Silverberg
Relationship Manager
831.600.4056

Chris Van Zanen

Chris Van Zanen
VP Relationship Manager
831.600.4030

Silicon Valley | Greater Bay Area

Stephen Meade

Stephen Meade
VP Senior Relationship Manager
408.200.2998

Monterey | Salinas

Rich Aiello

Rich Aiello
SVP Salinas / Monterey
Regional Manager
831.600.4081

Chris Illig

Chris Illig
VP Relationship Manager
831.600.4003

Jaron Reyes

Jaron Reyes
VP Relationship Manager
831.600.4085

Construction Lending

Doug Fischer

Doug Fischer
SVP Director of Business Banking
831.600.4049

Dara Harris

Dara Harris
VP Senior Relationship Manager
831.600.4024

N.M.L.S. Identification Numbers

In order to comply with requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act), Santa Cruz County Bank provides the following National Mortgage Licensing System and Registry (N.M.L.S.) Identification Numbers for Mortgage Loan Originators.

Angelo DeBernardo Jr. - 637661
Brent Dunton - 1770994
Chris Illig - 1273539
Christina (Chris) Maffia - 637667
Christopher Van Zanen - 1636359
Dara Harris - 1120069
Douglas Fischer - 637663
Frederick Caiocca - 637658
Jaron Reyes - 1326806
Jon Sisk - 715400

Kathryn Hohl - 866944
Kaylee Silverberg - 2109926
Kristine Ronzano - 2079044
Linda Morales - 1641186
Marshall Delk - 1121921
Matthew Ribeiro - 683696
Richard Aiello - 767707
Sean Laverty - 1110681
Shawn Lipman - 839401
Stephen Meade - 594726
Ventura Leon - 708501

Santa Cruz County Bank N.M.L.S ID#: 451345

To access the N.M.L.S. Registry, please visit: nmlsconsumeraccess.org

Foreclosure Information:

If you cannot afford your monthly mortgage payments and wish to avoid foreclosure, you may be eligible for a loan "workout" or modification. We determine eligibility for loan "workouts" on a case-by-case basis. Among other things, we will consider the value of your property and your ability (based on your current income) to make monthly mortgage payments in accordance with the "workout." You may also qualify to refinance your current loan with us, including a short term payment deferment.

If you are interested in exploring any of the options listed above, you will need to provide us with certain financial information, including the following: your most recent pay stub, list of current monthly expenses, your most recent tax return, bank statements, a current valuation of your property, if available (such as an appraisal) and a written explanation detailing your need for a loan "workout" or modification.

If you would like to discuss your options to avoiding foreclosure with us, please call the Chief Credit Officer of Santa Cruz County Bank at 831.457.5000, or toll free at 866.408.3108. You may also contact the Department of Housing and Urban Development (HUD) to find a HUD certified housing counseling agency by calling 1.800.569.4287. Additional information is made available by HUD on its website at hud.gov .

© 2021 Santa Cruz County Bank. All rights reserved.

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