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Small Business Loans

Helping you take advantage of valuable business opportunities

When opportunity knocks, you need to react quickly, and you need a bank that can keep up. Whether it’s a valuable opportunity or something as boring as the flexibility to cover routine expenses, Montecito Bank & Trust offers a broad range of business financing programs to choose from - and a handy comparison chart to help you make the best decision.

If you don’t see exactly what you’re looking for, just give us a call at (805) 564-0292 or stop by any of our convenient branch locations, and one of our business banking specialists will help you structure a loan just for your business.

Just the right loan to help your business grow – one of the many Paths to prosperity® you’ll find at Montecito Bank & Trust.

Business ReadyCash Reserve Business
Visa®
Business Maximizer®
Line of Credit
Purpose Overdraft protection Routine expenses Short term working capital
Amount $5,000-$10,000 Up to $50,000 $10,000 to $100,000
Collateral Unsecured Unsecured Unsecured
Interest Fixed Fixed or Variable Variable
Business Maximizer®
Term Loan
Small Business Administration (SBA) Loans
Purpose Long term working capital Working capital
Amount $10,000 to $100,000 Up to $10,000,000
Collateral Unsecured Secured
Interest Fixed or Variable Variable
 
 

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News

Montecito Bank & Trust Reports Higher Earnings

We are pleased to report that for the first six months of 2010 Montecito Bank & Trust earned $4.4 million in net profit, a 13% increase over 2009. [Read on]


Castillo and Nuno Team-Up at the Montecito Bank & Trust Carpinteria Branch

Montecito Bank & Trust is pleased to announce that Anthony Castillo has joined the bank as Vice President and Branch Manager of the Carpinteria Branch. [Read on]