Business Lending

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Business Lending

Santa Cruz County Bank is a leading lender in our tri-county area, as well as a full-service bank that specializes in all aspects of construction and commercial business lending. With the help of our experienced, creative lenders, local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for your lending needs.

Meet our Clients to hear what they're saying about Santa Cruz County Bank and learn What Sets Us Apart from the rest.

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We offer:

  • Full complement of revolving and non-revolving lines of credit
  • Competitive pricing on Real Estate, SBA, B&I and FSA lending
  • Short-term notes for various specific needs
  • Commercial and Stand-by letters of credit
  • Long-term notes for capital needs
  • Treasury Management
  • Merchant services
  • And more!

For an appointment, or if you have questions regarding business loans, please contact us:

Santa Cruz

Marshall Delk

Marshall Delk
VP Senior Business Banking Officer
831.600.4041

Kristine Ronzano

Kristine Ronzano
VP Senior Relationship Manager
831.431.4609

Nick Scimone

Nick Scimone
AVP Relationship Manager
831.431.4603

Chris Van Zanen

Chris Van Zanen
VP Senior Relationship Manager
831.600.4030

Silicon Valley | Greater Bay Area

Michael Luong

Michael Luong
VP Senior Relationship Manager
510.701.5912

Stephen Meade

Stephen Meade
VP Senior Business Banking Officer
408.200.2998

Monterey | Salinas

Rich Aiello

Rich Aiello
SVP Salinas / Monterey
Regional Manager
831.600.4081

Chris Illig

Chris Illig
VP Senior Relationship Manager
831.600.4003

Jay Gines

Jay Gines
VP Senior Relationship Manager
831.600.4061

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

Frederick L. Caiocca

Frederick L. Caiocca
EVP Regional Credit Executive
831.600.4046

John P Sisk

John P Sisk
EVP Chief Banking Officer
831.600.4018

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.

AJ Flores - 844883
Angelo DeBernardo Jr. - 637661
Chris Illig - 1273539
Christopher Van Zanen - 1636359
Dara Harris - 1120069
Douglas Fischer - 637663
Frederick Caiocca - 637658
Jay Gines - 1654755
Jon Sisk - 745218
Kaylee Silverberg - 2109926
Kristine Ronzano - 2079044

Linda Morales - 1641186
Marshall Delk - 1121921
Matthew Ribeiro - 683696
Michael Luong - 1797507
Michelle Navarro - 694703
Nick Heath - 2386554
Nick Scimone - 2304906
Richard Aiello - 767707
Shawn Lipman - 839401
Stephen Meade - 594726

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 above, you will need to provide financial information, including the following: your most recent pay stub, a list of your 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 855.645.7500. 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 .

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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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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