Montecito Bank & Trust
SANTA BARBARA, CA 93101
⭐ SBA Preferred LenderStates Served
Top Industries Financed
- Electrical Contractors
- Other Miscellaneous Durable Goods Merchant Wholesalers
- Fitness and Recreational Sports Centers
- Sporting and Recreational Goods and Supplies Merchant Wholesalers
- Residential Remodelers
Quick Summary
Montecito Bank & Trust is an SBA-approved lender headquartered in SANTA BARBARA, California. They are an SBA Preferred Lender, meaning they can approve loans without prior SBA review. Since 2020, they have approved 13 SBA 7(a) loans totaling $2.0M, with an average loan size of $157K. They primarily serve California businesses.
About Montecito Bank & Trust
Montecito Bank & Trust is an SBA-approved lender headquartered in SANTA BARBARA, California. Since 2020, they have approved 13 SBA 7(a) loans totaling $2.0M, with an average loan size of $157K. As an SBA Preferred Lender, they have delegated authority to approve SBA loans without prior SBA review, resulting in faster processing times. They primarily serve businesses in California.
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Frequently Asked Questions
Is Montecito Bank & Trust an SBA Preferred Lender?
Yes, Montecito Bank & Trust is an SBA Preferred Lender (PLP). This means they have delegated authority from the SBA to approve loans without prior SBA review, resulting in faster approvals — typically 7–10 business days instead of 4–6 weeks.
How many SBA loans has Montecito Bank & Trust approved?
According to SBA FOIA public records, Montecito Bank & Trust has approved 13 SBA 7(a) loans totaling $2.0M since 2020. Their average loan size is $157K.
What states does Montecito Bank & Trust serve?
Montecito Bank & Trust primarily serves businesses in California.
How do I apply for an SBA loan with Montecito Bank & Trust?
To apply for an SBA 7(a) loan with Montecito Bank & Trust, contact them directly through the form on this page. Before applying, check your FICO SBSS score (the SBA's pre-screening score) and have your financial statements, business plan, and tax returns ready. Most SBA lenders require 2+ years in business, $100K+ annual revenue, and a personal credit score of 640+.
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