Obtaining financing can be one of the most difficult challenges confronting any businessperson. At The Bank of Santa Barbara, we try to make it easy for you with our prompt, personalized service and comprehensive product lines. The Bank of Santa Barbara delivers a number of different loan products specifically designed to meet the needs of your business.
When your business needs a competitive edge, our clients are treated with care and have exclusive benefits tailored to their needs. Your banker meets with you at your office or other convenient location of your choice where we will work with you to create a solution. Whether you need Equipment Financing or Working Capital to help you with day-to-day operations, or a loan for Capital Expenditures to enhance the long-term viability of your company, you can be assured that your credit needs will receive prompt, personal attention from our experienced local staff.
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Lines of Credit
Lines of credit provide a source for short term funding needs to bridge seasonal cash flows or gaps between Accounts Receivable and Accounts Payable. Lines of Credit are customized to fit your specific needs, but are generally structured with interest only payable monthly and with one or two year maturities.
Business Term Loans
Term loans provide a source of longer term funding for equipment purchases, vehicle purchases, to support growth or other longer-term funding needs. We provide loans to purchase equipment or expand an office building, purchase a new business, refinance a contract for a buy-out, working capital lines of credit and loans or even loans to fund profit sharing/pension plans.
Commercial Real Estate Loans
Buy, build or refinance commercial real estate with a Commercial Real Estate Loan. You may be able to offset rent payments, reduce your monthly payments or take advantage of potential tax benefits.** Build on your business investments by using existing real estate value and assignment of leases and rents for collateral.
We offer options for 1, 2, 3 or 5-year adjustable rate loans, and amortization schedules of up to 25 years depending upon the subject property.
Our Commercial Real Estate programs include:
- Owner occupied commercial real estate
- Non-owner occupied
- Multi-family dwellings
- Mixed use properties
- Commercial buildings
The Bank of Santa Barbara can help you build your dreams, literally. With a construction loan from the Bank of Santa Barbara we can help you all the way through the construction process. We work with your architect and builder to ensure that you have the funds necessary to complete your project to the plans and specifications you establish. With flexible terms and conditions we can help you with terms from 6-months for small projects, to 12, 18, or 24-months for larger more complex endeavors. Let The Bank of Santa Barbara help you build your dreams.
At The Bank of Santa Barbara we know that sometimes your funds don’t exactly align with opportunity. We can help with The Bank of Santa Barbara Bridge Loan. Whether you are exchanging properties or waiting on pending receipts to fund your next project, The Bank of Santa Barbara can provide a short-term Bridge Loan to span the gap in your funding. The Bank of Santa Barbara can help you get where you want to go, when you want to get there.
Business Credit Cards
The Bank of Santa Barbara can help you manage your business expenses with a Business Credit Card. Monitor expenses on-line and see up-to-date expenditures by your staff. We offer competitive rates and we can establish a corporate limit and provide cards for your team with individual limits established by you. At the Bank of Santa Barbara, we have the Business Card that is right for you.