If you have big plans for your small business, Santa Barbara Bank & Trust is ready to help you achieve your dreams with a small business loan or line of credit. For loans and lines up to $100,000 *, we will generally have an answer for you within two business days after receiving a signed and completed application. So whether you're ready to increase inventory, purchase new equipment, expand your business, or make other big improvements, you'll find we make obtaining financing a little easier and hassle free.

Your Options Include:

• Revolving Lines of Credit - Secured and Unsecured - To meet a wide variety of short-term financing needs including:
  • Inventory purchases
  • Seasonal purchases
  • Short-term working capital
• Term Loans - For long term borrowing needs such as:
  • Equipment and fixtures purchases
  • Long-term working capital
• Multi-Draw Loans
  • For expenditures that will occur over a short period of time
  • To be paid back over a predetermined period of time
• Government Guaranteed Loans
  • Santa Barbara Bank & Trust has access to government programs including SBA Loan Programs for which you may qualify and may serve you better.

Information You'll Need to Apply
Below is information and documents you should bring with you to your Branch prior to starting your small business loan application:

Company Information

• Tax Identification Number
• Gross and net Revenue for the most recent year (Please bring a copy of your most recent Tax Return)
• Please submit a copy of your Fictitious Business Name Statement, if any. If a Corporation or LLC, please provide us with a copy of the Articles of Incorporation and/or Articles of Organization and a Current Statement of Information (dated within the last 12 months). For an LLC, also please submit a copy of the Operating Agreement. If a Partnership, LP, or LLP, please supply a copy of the Partnership Agreement and LP-1 or LLP-1, if applicable. If a Joint Venture, please supply a copy of the Joint Venture Agreement.

Personal Information

• Social Security Number
• Total amount of outstanding personal loans and mortgages
• Your personal annual Household Income for the most recent year (Please bring a copy of your most recent Tax Return)
• Total amount of personal assets, including cash, securities, real estate & autos

Note: A separate completed application is required for any person owning 20% or more of the business. Please complete all areas of the application to insure a prompt loan decision.

At this time, loans are available only to those businesses located in Santa Barbara, Ventura, San Luis Obispo Counties.

Should you have any questions please feel free to contact a banker at 1-888-400-7228, Monday through Friday, 8:00 AM to 5:00 PM or visit any one of our convenient branches serving your community.

So what are you waiting for? Begin to enjoy the financial freedom that small business financing from Santa Barbara Bank & Trust can provide. Get started now! Please print the Ready Business Application below, complete, sign and return to your Branch or Relationship Manager. Thank you for choosing Santa Barbara Bank & Trust.

Ready Business Credit Application

Disclosures

* For all loan requests over $100,000 please speak with a business banker at any one of our convenient branches serving your community.

Terms are subject to change.