Business Lending Services

Small Business Resources

Business Services

Rates

Applications

Frequently Asked Questions

Businesses located in Santa Cruz County and north Monterey County may apply.

We believe in our community's business people. That's why since 1977, we've provided millions of dollars in loans to support local, small businesses. We have developed loan products and business services to meet the diverse needs of every business.

We offer a full range of loan products, from microloans for new businesses, to larger loans for established and growing businesses. We finance a variety of businesses including retail, agriculture, child care, construction, manufacturing, and nonprofits.

We are nationally recognized for our lending programs for women- and minority-owned businesses and to low-income entrepreneurs. We are proud to support environmentally sustainable businesses and the arts through our lending.

We Finance:

• Vehicle & equipment purchases
• Inventory
• Leasehold improvements
• Start up financing
• Business acquisition
• Commercial real estate acquisition & development
• Working capital

Loan Products

Business Term Loans - used to purchase business assets

Line of Credit - for day-to-day cash flow or inventory needs

Quick Cash Line of Credit - the fastest, most convenient line of credit to meet your cash flow needs. Just fill out our simple application!

Business Community Visa - a socially responsible, low APR credit card that donates $.05 to local nonprofits every time you use it.

Small Business Administration (SBA) Guaranteed Loans - term loans and lines of credit that are used for general business purposes, including purchase of assets, working capital, and real estate.

We offer our small business members a variety of helpful and convenient business services designed to help your business prosper and grow.

Additional Business Services