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Business Lending

BizMax® Loans & Lines of Credit

Get the capital you need to grow your business.

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Ideal for a growing business in need of short or long-term working capital, inventory or equipment financing.

For lines and loans $10,000-$250,000

Apply quickly and easily with our online application!

Apply online
For lines and loans $250,000 to $1,000,000

Visit a business banker at your closest branch to apply.

Find a branch
For lines and loans $10,000-$250,000

Apply quickly and easily with our online application!

Apply online
For lines and loans $250,000 to $1,000,000

Visit a business banker at your closest branch to apply.

Find a branch

Two types of credit to choose from:

Use of Funds
  • Short-term working capital
  • Seasonal purchases
  • Inventory purchases
  • Payroll
Line Amount $10,000 - $250,000
Terms 12-month term with annual renewal and term reset upon approval
Collateral Secured by all business assets, UCC filing
Interest Rate

As low as 6.50%1


Variable and indexed to Wall Street Journal Prime plus a margin determined during the credit review process
Access to funds Check, Online Banking, in-person or telephone transfer
Additional Features May be used for overdraft protection
Minimum Monthly Payment
  • Accrued interest only
  • No outstanding principal balance for 1 consecutive 30-day period required
Fees
  • $250 processing fee due at closing Waived through 6/30/25!
  • $250 annual fee assessed 1 year from the date the line is opened
  • Other fees may apply
Online and Mobile Banking2 FREE
  1. Subject to credit approval. Rates may be higher based on loan amount and SBSS score. Includes 0.25% discount available with auto-pay from an MB&T account. BizMax Line of Credit APR is a variable APR based on WSJ Prime plus a margin. Margin will be fixed for 1 year.
  2. 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.
Use of Funds
  • Long-term working capital
  • Consolidate existing debt
  • Inventory purchases
  • Equipment purchases
Loan Amount $10,000 - $250,000
Terms 5 years
Collateral Secured by all business assets, UCC filing
Interest Rate

As low as 7.00%3

Fixed

Access to funds Fully disbursed at closing.
Minimum Monthly Payment Fixed monthly payments through the term of the loan.
Fees
  • $250 processing fee due at closing Waived through 6/30/25!
  • Other fees may apply
Online and Mobile Banking4 FREE
  1. Subject to credit approval. Rates may be higher based on loan amount and SBSS score. Includes 0.25% discount available with auto-pay from an MB&T account. 
  2. 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.

Looking for something a bit larger?

For financing needs over $1 million, a commercial loan or line of credit may be the answer.

Show me commercial loans

Have any questions?

We're here to help.

Schedule an appointment ATM & branch locations Call us at (805) 963-7511

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