Local Business Lending

We understand the local market. Our experienced lending officers work closely with you to understand your unique financial needs. We tailor loans to fit your specific customer requirements and with our local decision making process, we can extend unrivaled customer service to you.

Because we make decisions locally, we can help your business achieve your financial goals. We provide a customized solutions approach to financing your business and we’d be happy to sit down with you and your management team to determine the best financing and cash management solutions specifically for your business and industry. 

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Working Capital Lines of Credit

Santa Paula Community Bank offers you a Working Capital Line of Credit to manage cash flow or when funds are needed. Borrow from your business line of credit for a variety of short-term or ongoing uses.

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Equipment Financing

If your business needs to include specialized commercial equipment, we can provide the right commercial financing option for you, whether you're a start-up or an established business.

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Commercial Real Estate

Santa Paula Community Bank offers financing solutions for investors or owner-occupants on a variety of commercial properties including commercial office buildings, industrial, retail, and multi-family use properties.

We provide loans for the purchase or refinance of many different types and sizes of commercial real estate. Our goal is to streamline the loan process, and make it convenient and easy.

  • Purchase or refinance
  • Owner-user or investment
  • Fixed or floating interest rate
  • 25-year amortization
  • Up to 10-year term

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Non Residential Construction Loans

Realize your company’s expansion; a new warehouse, offices or other facility with our Non Residential Construction Loans. Our construction loans are simple and convenient and the loan disbursement process is managed internally to give you better customer service.

  • Up to 18 month term
  • Competitive rates and fees
  • Up to 65-70% advance

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Business Expansion Loans

Are your facilities too small for your needs? If they are, you may want to look into a business expansion loan. Let us help you implement your long range plans and to help you as your business grows.

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Business Credit Card

Santa Paula Community Bank Visa® Business Credit Card helps you manage your day-to-day business expenses more effectively. For easy tracking, choose from individual statements for each employee or consolidated billing to allow account usage to roll into one control account. We have many options available. Contact us today for more information.

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Overdraft Protection

Our checking account overdraft services are a good way to help make sure that your transactions are covered. We offer services to help you avoid overdrafts on your account. Overdraft services are optional and there are no enrollment fees. There is a short application process and approval is subject to credit approval.

How it works:
  • We will automatically transfer available funds to cover your transaction if you don't have enough money in your checking account.
  • There is no fee to sign up for Overdraft Protection and a single Overdraft Protection transfer fee would be charged only if we transfer funds to cover a negative balance.

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SBA Loans

Santa Paula Community Bank is committed to the success of our local business community. Our personalized service, along with our extensive background and knowledge provide the not only the perfect consulting relationship but also, individualized service that only a community banker can provide. There are several types of SBA loans; the most common is the 7(a) Loan Guaranty Program—with a 7(a) loan you can start a new business, or strengthen your existing business through:

  • Expanding or renovating facilities
  • Purchasing machinery, equipment, fixtures and funding leasehold improvements
  • Financing receivables and augmenting working capital
  • Refinancing existing debt
  • Purchasing major fixed assets such as land and buildings
  • Expansion of exports

In addition to the 7(a) loan program, Santa Paula Community Bank offers other SBA Loans such as the 504 Certified Development Company Loan Program, a long-term financing tool for economic development within a community. The 504 Program provides growing businesses with long-term, fixed-rate financing for needs such as:

  • Refinancing to long term fixed rates
  • Land and building acquisition
  • Construction and renovation
  • Purchase of heavy machinery or equipment

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