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Business Lending

BizMaxSM Loans & Lines of Credit

Get the capital you need to grow your business.

A baker owner looking over a blueprint of his 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 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
  • $250 annual fee assessed 1 year from the date the line is opened
  • Other fees may apply
Online and Mobile Banking1 FREE
  1. 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 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
  • Other fees may apply
Online and Mobile Banking2 FREE
  1. 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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