SBA, B & I, and FSA Lending

Santa Cruz County Bank's SBA department was knowlegdable & responsive throughout the loan and construction process. Their expertise & assistance were key to the successful completion of our project. - The Moreno Family, Lillian's Italian Kitchen

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:

Susan Chandler
Susan Chandler
SVP, SBA Department Manager
831.457.5003 ext. 2151
Sati Kanwar
Sati Kanwar
SVP, SBA, B&I, FSA Business Development
831.457.5003 ext. 2327
Francisco Rodriguez
Francisco Rodriguez
VP, SBA Loan Officer
831.457.5003 ext. 2154
Jorge Reguerin
Jorge Reguerin
VP, SBA, B&I, & FSA Business Development Officer
831.457.5003 ext. 2243

SBA Department Awards for Excellence in 2009

Santa Cruz County Bank was recognized by the USDA Rural Development for Lender Excellence in 2009. Santa Cruz County Bank ranked 3rd in California and 13th in the Nation for B&I Guaranteed Loan volume through USDA Rural Development. Susan Chandler, Santa Cruz County Bank's SBA Department Manager received the Exceptional Leadership Award for 2009 from USDA Rural Development.

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