Small Business Administration (SBA)1

Running and growing your business is hard work. SBA loans can provide the support you need to launch, grow and succeed. As a SBA Preferred Lender, offering both 7(a) and SBA Express, Montecito Bank & Trust is committed to helping you find the capital to realize your goals.

1. SBA Specialist available by telephone or by appointment to discuss loan request. 2. Other Fees may apply. 3. Guarantee fee charged on guaranteed portion of loan only. New or existing SBA loan commitments may affect the amount of the guarantee fee. 4. Montecito Bank & Trust does not charge for the Mobile Banking service; however, your wireless provider may charge for Internet access and text messages. Please check with your wireless provider.


What types of businesses are eligible?

  • Manufacturing
  • Wholesaling
  • Services
  • Retailing
  • Construction
  • Special trade construction

Preliminary items you'll need for applying:

  • Business plan
  • Last three years personal tax forms
  • Personal financial statements on all principals
  • Cost breakdown of expenditures
  • Two-year cash flow projections

When purchasing a business, you'll also need:

  • Current company balance sheet and profit and loss statement
  • Historic company balance sheets and profit and loss statements for the preceding three years
  • Last three years personal tax returns
  • Existing company debit schedule