Business Banking

Local Business Lending

We understand the local market. Our experienced lending officers work closely with you to understand your unique financial needs. This attention to customer detail helps us to tailor loans to fit your needs and make the lending process efficient. Our local decision making provides a framework for extending unrivaled customer service.

As your community bank, we look forward to helping you and your business achieve your financial goals. We take a customized solutions approach to financing. We’ll sit down with you and your management team to determine the appropriate financing and cash management solutions specifically for your business and industry.

Working Capital Lines of Credit

Santa Barbara 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.

Equipment Financing

If your business depends on specialized commercial equipment, we can provide the right commercial financing option whether you are a start-up business or an established business in need of an equipment upgrade.

Commercial Real Estate

We offer financing solutions for investors or owner-occupants on a variety of commercial properties including commercial office buildings, industrial, retail, and multi-family properties.

We provide loans for the purchase or refinance of many types and sizes of commercial real estate and we make the loan process easy and convenient.

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

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

Business Credit Card

Manage your day to day business expenses more effectively with the our MasterCard Business Credit Card. Choose from individual statements for each employee for easy tracking or consolidated billing which allows account usage to roll into a single control account.

Business Expansion Loans

Are your facilities are 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.

SBA Loans

Santa Barbara 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, we offer other SBA Loans including 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

Business Account Services

Remote Deposit Capture

Remote Deposit Capture allows your business to process checks in a secure online environment. Experience your own virtual teller window in the comfort of your office by scanning checks and making deposits directly to your account. Remote Deposit Capture utilizes a desktop imaging scanner and an easy to use web browser to view your deposit activity.

Benefits:

  • Improved Cash Flow. Transmit your electronic items by 5:00pm CST and receive next day availability on your funds.
  • Accuracy. Remote Capture uses Optical Character Recognition (OCR) technology, eliminating keystroke errors and manual input of check amounts.
  • Control. User options allow you the ability to employ dual-control audit procedures.
  • Support. Experienced help desk professionals are available to assist with troubleshooting requests or technical questions allowing you to process work without missing a beat. You can also speak with your Santa Barbara Community Bank officer during normal business hours for additional technical advice.

Easy Set Up:

  • All you need is a PC and a secure Internet connection. We will offer you a user-friendly Remote Deposit scanner and all of the necessary software.
  • Whenever you want to make a deposit, the system will take you through each simple step with easy to follow instructions and prompts.

Merchant Point of Sale Services

With Merchant Services, improve your business while you enhance your customer’s experience. We’ll meet your needs and exceed your expectations with a wide range of user friendly point of sale solutions. Our unique solutions will help you improve cash flow, reduce costs, increase sales and streamline payment management. To learn more about how Merchant Services from Santa Barbara Community Bank can help you improve your business, contact us.

Benefits:

  • Boost sales and customer satisfaction by allowing customers to choose their preferred form of payment.
  • Increase your average sale because the customer doesn't need to have cash on hand.
  • Speed up the check-out process with efficiency and convenience.
  • Protect yourself from potential losses caused by bad checks.
  • Avoid the risk and inconvenience of having large sums of cash.
  • Accept payments from virtually anyone, anywhere.

Ready to get started?

If you currently already have merchant services, but are interested in comparing our rates and offerings, contact us today. We will start a cost analysis snapshot for your business, then we'll explain the information you will need to provide in order to obtain a true side by side comparison.

Wire Transfers

For those times when you have a need to transfer funds quickly, we offer wire transfer services to domestic and international banks. Wire transfers are great for scheduling regular transfers or one-time transactions. For more information on fees, please contact us or visit us.

Please bring the information below to your local bank branch before 12:00pm (international wire transfers) or 4:00pm (domestic wire transfers) for a same day transfer.

  • Beneficiary Bank name, address and routing number (SWIFT code if foreign)
  • Intermediary Bank name (if applicable)
  • Beneficiary name, address and account number

Night Drop

For your convenience, we provide free night drop deposit service after hours. For larger commercial deposits, we also provide deposit bags, so businesses can make deposits at their convenience. If our bank lobby hours don’t match your business banking schedule, we can help by providing access to our night depository services. For regular large deposit envelopes, come in and sign out for a key. It can be deposits of cash, checks, or loan doc’s. 

Ready to get started?

Stop by today for more information. We will be happy to provide you with our rates and disclosures.

Bank with Us

Helping local businesses serve the needs of their employees is part of what we do. Our “Bank with Us” program provides an array of benefits for your employees. Once enrolled, your employees can receive discounts on items like  Cashier’s Checks and Safe Deposit Boxes.

Ready to get started?

Stop by today for more information. We will be happy to provide you with our rates and disclosures.

Other Available Services

  • Treasury Tax and Loan Deposits
  • Safe Deposit Boxes (where available)
  • Money Orders
  • Legal Trust Accounts
  • Foreign Exchange
  • Foreign Drafts
  • Direct Deposit
  • Debit Cards
  • Cashier’s Checks
  • Money Orders

Automated Clearing House (ACH)

Business eBanking Solutions

One of the best things about banking with Santa Barbara Community Bank is you don't have to trade technology for service — we offer the best of both. Convenient solutions like Online Banking, Bill Pay and eStatements give you access to your accounts anywhere, anytime.

Corporate Cash Management

  • Corporate Cash Management allows businesses to benefit from corporate Internet banking, with all the features of our Online Banking program and more. All transactions post the same day, in real time. Current information is always available, 24/7.
  • A unique, flexible aspect of Corporate Cash Management is the ability to assign separate security levels for different personnel—an accounting clerk could perform inquiries but not move money, whereas a CFO could do both.
  • Corporate Cash Management is easy to use. You can stop payments, make a wire transfer, retrieve a check image or review two months of statement history.
  • With Corporate Cash Management, efficiency is at your fingertips.
  • Come into the branch and we will get you all set up. You will need to sign a few documents if you wish to make ACH transactions, wire transfers or payroll as part of your Corporate Cash Management package.

Visit our Corporate Cash Management demo for a quick overview of all the great features.

Small Businesses & Nonprofit Online Banking

Online banking makes sense for small businesses. Save time and enjoy the convenience of viewing your accounts online including current balances and recent transactions. Santa Barbara Community Bank supports local businesses. To learn more come in and talk to us today. We’ll show you how the convenience of our system assists in finding solutions to the challenges you face. Let us help make your small business banking easy. 

  • View all your accounts online with current balances and recent transactions. Deposits made in the branch, transfers, debit card or ATM purchases, all will show up immediately online.
  • You can set up Bill Pay so that each month your utilities, rent and even the window washer are paid on time. No more late fees because the bill is buried on your desk. We have upgraded our Bill Pay system. For a quick overview of the many benefits of our Bill Pay system, please watch this video. If you have any questions, feel free to call any of our branches. We will be glad to assist you.
  • Monthly transfers between accounts are simple, stop payments can be placed with a few clicks and you can see a running balance just like your checkbook.
  • What about that check you wrote at the breakfast meeting, but forgot who it was written to and for exactly how much? No problem. Click on the hyperlink and you will see an image of the check after it clears.
  • You can review up to 18 months of previous statements, just in case you need to go back for tax purposes or to research a purchase.
  • Your merchant services credits and deductions will all be listed after your merchant services company processes them.
  • And if you’re on the road and not near a computer, call TeleBank (877) 652-4888 to check your balance, to transfer funds or to determine the last check you wrote.
  • Our staff is here to support our local businesses in any way we can. So come in and talk to us. We’ll show you how the system works and help find solutions to your challenges.

Bill Pay

Control and manage your finances and monthly bills online. Just sign in to Online Banking to access the Online Bill Pay feature anywhere, anytime—24 hours a day 7 days a week. If you are not currently an online customer, click here to sign up for Online Banking and Bill Pay with PFB Quick Pay.

  • Pay Virtually Anyone. From the local bakery to a Fortune 500 Company, even your babysitter
  • Same Day/Next Day Payments. Payments can often be received in as little as one business day, even that same afternoon if necessary.
  • Group Payments into Categories. Organize your utilities, cable and phone into a folder named household.
  • Reminders. Receive updates through email when you receive a bill, or when it's due.

Search Bill History. Search by company, date and status, when you need an answer, wherever you are.

E-Statements

When you enroll in e-statements, you will receive a monthly email notifying you that your statement is available online. Then log in to your secure Online Banking account and view, save or print your account statement. Statements are available online for 36 months. Statements beyond that period can be retrieved by contacting us.

  • Green. E-statements are good for the environment. Choosing e-statements is something easy you can do, that really is Earth-friendly.
  • Fast. You get your statement sooner, because online delivery eliminates delays sometimes found with postal mail delivery.
  • Simple. E-statements eliminate the clutter of paper statements and allow you to store and retrieve past statements right on your hard drive.
  • Secure. Identity Theft experts actually recommend electronic statements. Why? Because most identity theft occurs through the mail or improperly discarded paper documents containing sensitive information. e-statements simply protect your information better than paper statements.
  • Free. It costs you nothing to switch to e-statements — and to have access to every transaction in your account, including check images, right at your fingertips.

Enroll today, and discover the advantages of e-statements.

TeleBank

Please review the Terms and Conditions information in our branch for full details on Our Bank's Products and Services.

Keep our TeleBank number on speed dial in your cell phone. With the push of a button you can quickly get your balance, and even find which checks have cleared. TeleBank allows you access to your account whether you are in the office, airport, car or burning the midnight oil at home.

  • Access is 24/7 anywhere your phone works.
  • You can have statements faxed to you.
  • Transfer funds within the bank, or place a stop–pay order.
  • It is a toll-free number and is free to use from the bank.
  • We employ the latest PIN-based security

(877) 652-4888