Small Business Administration Loans

Commercial Real Estate Loan Program For Owner-User Properties / Loans up to $2,000,000 SBA Loan Highlights Up to 90% loan-to-value Up to 25 years, fully amortized First or second trust deeds Refinance of existing real estate loan No packaging fee Click here for SBA loan calculator and to request more information about SBA financing from Montecito Bank and Trust Qualifying Properties Industrial, medical and office condos Free-standing commercial and industrial buildings Steel buildings Leasehold improvements Build-to-suit Owner-User Borrower must occupy at least 51% Loan Type SBA 7(a) loan program can also include working capital, inventory, equipment and tenant improvements. Turn Around Time Pre-qualification of the loan may be given within 24 hours.  An SBA loan decision is normally available within one week of receipt of your completed loan application.  Montecito Bank & Trust is a preferred lender. Preliminary Items Needed to Qualify Current company balance sheet and profit and loss statement Historic company balance sheets and profit and loss statements for the preceding three years Company tax returns for the preceding three years Personal financial statements on all principals Individual tax returns for the preceding three years