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SBA, B & I, and FSA Lending

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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

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SBA & Government Guaranteed Lending
What Sets Us Apart
Information on:
Personal Banking
Business Banking
Customer Testimonials

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
SVP, SBA Department Manager
831.457.5003 ext. 2151

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

Francisco Rodriguez
VP, SBA Loan Officer
831.457.5003 ext. 2154

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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