Need a small business loan? Aren't sure how to get one? You came to the right place!

SBA Lending with the Pacific Capital Bank Difference

The Pacific Capital Bank SBA 504 and 7A loan programs provide small business owners with business or real estate financing in California, Arizona, Oregon, and Washington, often at interest rates and terms more favorable than generally available. These special financing programs, combined with Pacific Capital Bank's dedication to providing the highest level of personalized service, gives small business owners a profitable advantage.

Eligibility: To be eligible for an SBA loan, a business must meet certain small business criteria as established by the U.S. Small Business Administration.

Please call 1-866-970-4400

Pacific Capital Bank enjoys the status of being part of the SBA Preferred Lender Program (PLP) throughout all of southern California. PLP status is the highest designation by the SBA for the processing of loans under the 7A loan program. This prestigious designation gives us the ability to make loan decisions on behalf of the SBA thereby reducing the time for processing, approval, and funding.

7(a) Guaranteed Loan Program:

Loans from $50,000 to $2,000,000 90% financing available Up to 25 years, fully amortized Competitive Interest Rates No Balloon Payments No Lender Points Real property must be 51% or more owner occupied.

504 Development Company Loan:

Loans from $300,000 to $3,500,000 for purchase of real estate 90% financing available Up to 20 year maturity Competitive fixed interest rates Real property must be 51% or more owner occupied.

To speak with a Financial Services Representative,
please call: 1-866-970-4400