SBA, B & I, and FSA Lending

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SBA, B & I, and FSA Lending

Santa Cruz County Bank offers US Small Business Administration (SBA) lending programs to assist small businesses. From approval to funding, all processing is performed by experienced lenders in-house. This efficient lending process and knowledge of SBA lending will save you time so you can concentrate on running your business. We work directly with you to understand your business needs before recommending a loan program to suit your individual business situation.

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SBA Loans

7 (a) Program
This is the most flexible business loan program, since financing under this program can be guaranteed for a variety of general business purposes. Loan proceeds can be used for most sound business purposes including:

  • Machinery and equipment
  • Furniture and fixtures
  • Land and building, including purchase, renovation & new construction
  • Leasehold improvements
  • Debt refinancing (under special conditions)
  • Business purchase financing
  • Loan maturity is 7 to 10 years for business purposes.
  • Up to 25 year terms for real estate financing.

504 Loan Program

Provides long-term, fixed-rate financing to small businesses to acquire real estate or machinery or equipment for expansion or modernization.

Business and Industry (B & I) Loans

  • Loans available to businesses located in rural areas
  • In-house approvals within 5 to 10 business days
  • Flexible loan amounts, up to $10,000,000
  • Fully amortized loans
  • Up to 25 year terms

Farm Services Agency (FSA) Loans

  • Loans available to purchase farmland
  • Farmland development to promote soil and water conservation
  • Debt refinancing
  • Flexible loan amounts, up to $1,112,000 (amount adjusted annually)
  • Fully amortized loans
  • Up to 25 year maximum terms
SBA Lender

Approved to offer SBA loan products under SBA's Preferred Lender program.

For an appointment or to discuss whether an SBA loan, Business and Industry loan or Farm Services Agency loan is right for your business, please contact:

Central Coast | Greater Bay Area

Sati Kanwar

Sati Kanwar
SVP SBA, B&I, FSA
Business Development
831.457.5003, ext. 2327

Jorge Reguerin

Jorge Reguerin
VP SBA, B&I, & FSA Business Development Officer
831.457.5003, ext. 2243

Andrew Chambers

Andrew Chambers
VP SBA, B&I Business
Development Officer
707.293.5167

Greater Sacramento Area | Northern CA

Kevin Rappleye

Kevin Rappleye
VP SBA, B&I Business Development Officer
916.709.1564

Fresno | Central CA | Sierra Foothills

Emily Baxter

Emily Baxter
VP SBA, B&I Business Development Officer
831.457.5003, ext. 2805

Greater Los Angeles | Southern CA

Francisco Rodriguez

Francisco Rodriguez
VP SBA, B&I Loan Officer
831.457.5003, ext. 2154

Director of SBA Lending

Susan Chandler

Susan Chandler
SVP Director of SBA Lending
831.600.4051

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