Financing Solutions to help your business grow

Montecito Bank & Trust offers a range of business financing options:

  • For short-term working capital, we offer our Business Maximizer® Line of Credit providing check access and online transfers for your convenience and total control.
  • For long-term working capital or specific purchase needs, our Business Maximizer® Term Loan has flexible repayment options.
  • We are also a Small Business Administration (SBA) Preferred Lender offering both 7(a) and SBA Express.

Need help finding the right account? Try our Interactive Account Finder

Credit Comparison Chart

Business Maximizer® Express Line of CreditBusiness Maximizer® Line of CreditBusiness Maximizer® Term LoanSmall Business Administration (SBA)
  • Short-term working capital
  • Seasonal purchases
  • Inventory purchases
  • Payroll
  • Short-term working capital
  • Seasonal purchases
  • Inventory purchases
  • Payroll
  • Long-term working capital
  • Consolidate existing debt
  • Inventory purchases
  • Equipment purchases
  • Working capital
  • Inventory purchases
  • Equipment purchases
$10,000 - $100,000 $100,001 - $250,000 $10,000 - $250,000 Up to $5,000,000
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If you don't see exactly what you're looking for, just give us a call at (805) 560-3443 or stop by any of our convenient branch locations.