Business Resources & Tools

At Montecito Bank & Trust, we're committed to making the communities we serve better places to live and work. That means building strong relationships with local businesses – the economic engine of every community. We strive to frequently enhance our Business Resources section – posting new events, launching new tools and expanding our library – so be sure to bookmark this page and check back soon.

Business Library

Part of that commitment means providing easy access to a library of accurate and timely resources to help you keep up to date on best practices, innovative strategies and what leaders in your industry are doing right...and wrong.

  • The Leadership Challenge - Solvang


    Workshop title: The Leadership Challenge

  • The Leadership Challenge - Ventura


    Workshop title: The Leadership Challenge

  • Innovation: Not Luck, Not Genius, but a Business Practice


    Keynote Title: Innovation: Not Luck, Not Genius, but a Business Practice

  • New Technology and Equipment Can Boost Productivity and Profits


    November is the perfect month to give your business a quick 'tech check up.' Improving your technology is a good way to boost profits and productivity.

  • Five Proven Time Management Tips


    Do you ever wonder how your spouse, best friend or business partner manages to get so much done in a day, while you struggle to keep up? The secret to their success is good time management. Once you adopt these easy strategies, you’ll find that tackling daily tasks in a coherent way reduces stress and frees up more time for relaxation and recreation.

  • Maximize Personal Success by Finding a Mentor


    Based on my interviews with thousands of business owners and experts over the past 20 years, I've learned that super successful people always set their egos aside and ask for help. They know what they don't know and seek information and guidance from a variety of sources--including mentors. Finding a mentor, no matter how old you may be or what you do for a living, is not as tough as you think.

  • Hire Smartly to Avoid Mistakes


    With the unemployment rate hovering around 9 percent and 14 million Americans out of work, there is a lot of talent out there for business owners to tap. So, if you have been waiting to take advantage of all the great talent out there, here are some practical tips for hiring smart.

  • Pricing for Profits


    Figuring what to charge is a perennial challenge for small business owners. Big companies have entire departments devoted to purchasing, procurement and pricing. But, small companies have to figure it out by trial and error. Retailers traditionally double or triple the price of goods, but there is no set formula.

  • High Impact, Low-Cost Marketing Tips


    Social media may be the rage right now, but savvy small business owners still rely on low-cost offline marketing strategies to boost sales. Now is the time to shine a light on your business, no matter what you do. So, read on for affordable strategies perfect for your specific kind of enterprise.

  • The Power of Networking and Personal Connections


    In today's impersonal, online, drowning-in-email world, strong personal connections mean more than ever, especially for small business owners. Why?

  • Cross-Train Employees to Boost Productivity and Morale


    Business owners wear many hats, but so should your employees. The smaller your team, the more critical it is that everyone do everything possible to keep things running smoothly.

  • Breaking Bad Financial Habits to Boost Cash Flow


    When I speak to a group of business owners, I always ask people to raise their hand if clients or customers owe them money. Most of the time, dozens of hands go up.

  • Set Your Ego Aside and Ask for Help


    The most successful business people I've interviewed through the years have one trait in common: they set their egos aside and ask for help. No matter how smart you are, you can't always have all the answers.

  • Starting the New Year Right


    You are probably up to your ears in holiday wrap and ribbons, but if you own a business, please read on for a few important things to do to start the New Year right.

    • Three Traits Every CEO Needs


      Harvard Business Review, Justin Menkes - No matter how successful or seemingly secure any business appears, there are no longer periods of calm seas for leaders in any industry. A broad statistic reinforces this fact emphatically: More than half the companies that were industry leaders in 1955 were still industry leaders in 1990. But more than two-thirds of 1990 industry leaders no longer existed by 2004.

    • Nine Things Successful People Do Differently


      Harvard Business Review, Heidi Grant Halvorson - Why have you been so successful in reaching some of your goals, but not others? If you aren't sure, you are far from alone in your confusion. It turns out that even brilliant, highly accomplished people are pretty lousy when it comes to understanding why they succeed or fail.

    • Will This Customer Sink Your Stock? Here's the newest way to grab competitive advantage: Figure out how profitable your customers really are.


      Fortune, Larry Selden and Geoffrey Colvin - Who are your unprofitable customers? We recently asked that question of top executives at one of America's biggest retailers. They responded defiantly that they had no unprofitable customers.