FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Local Lending. Lasting Partnerships.
Every business has unique goals—and we’re here to help you achieve them. Whether you’re starting a new venture, expanding operations, or purchasing property or equipment, we offer flexible financing solutions tailored to your needs.
From Small Business Administration (SBA) loans to traditional commercial loans, our experienced lending team provides personalized support and local decision-making. We’re committed to building lasting relationships with the businesses that power our community. Together, we can find the right loan to help your business move forward.
Your Business, Our Community, Shared Success
Every business begins with a dream—and every dream deserves the chance to grow. At Monterey County Bank, we partner with local entrepreneurs to provide lending solutions that support growth, innovation, and long-term success. Our solutions are tailored to your unique needs, so you can focus on building a business that makes a lasting impact on your community.
Our Lending Solutions
We offer commercial lending options tailored to your business needs:
Business Lines of Credit
Flexible access to capital for everyday operations, seasonal needs, or unexpected opportunities.
Term Loans
Financing for equipment, expansion, or long-term investments with competitive rates and predictable payments.
Commercial Real Estate Loans
Purchase, refinance, or improve your business property with guidance from our experienced team.
Equipment Financing
Acquire the tools and technology your business needs while managing cash flow effectively.
Flexible SBA Solutions, Local Expertise
For decades, Monterey County Bank has stood alongside local entrepreneurs—helping small businesses grow from vision to reality. With SBA 7(a) and 504 loans, we provide flexible financing designed to fit your needs.
No matter where you are on your journey—starting fresh or growing stronger—our SBA lending team is here to support you every step of the way.
What is an
SBA Loan?
SBA loans are partially guaranteed by the U.S. Small Business Administration, offering flexible terms and lower down payments than many conventional loans. These loans can be an excellent option for business owners seeking capital with more accessible requirements.
SBA Loans Can Be Used For:
Start-up
Costs
Business
Acquisition
Equipment
Financing
Commercial
Real Estate
Working
Capital
SBA loans help small businesses grow. Your business should be U.S.-based, for-profit, and meet SBA size standards. You’ll also need to show you can repay the loan, that other financing isn’t available on reasonable terms, and meet basic credit requirements.
Do I qualify for an SBA loan?
7(a) Loan | VS. | 504 Loan |
7(a) loans are a flexible option for businesses, covering various needs like working capital, real estate, equipment purchases, and business acquisition. | Purpose | 504 loans are more specific and intended to be used to finance commercial real estate or large equipment purchases. |
Maximum loan amount | Loan Amount | The typical maximum loan amount is $5 million, with some exceptions allowing for $5.5 million. |
10 - 25 Years | Terms | 10 - 25 Years |
Adjustable or Fixed | Interest Rate | Fixed |
Typically within the range of 0% to 10%, although it can differ based on factors such as loan amount, lender, and the borrower's individual circumstances. | Down Payment | Generally requires a minimum 10% down payment. |
Collateral may be needed for larger loans to secure the amount. | Collateral | Purchased property or equipment is commonly used as loan collateral. |
Why Choose Monterey County Bank?
- Local Expertise: We understand the challenges and opportunities facing businesses in Monterey County.
- Personalized Service: Your business isn’t one-size-fits-all, and neither is our lending approach.
- Community Commitment: We invest in the success of the businesses that make our community thrive.
- Quick, Transparent Process: Timely decisions and clear guidance every step of the way.
Get Started Today!
Every business begins with a dream. Our team is ready to listen, learn your goals, and find the financing that helps your business take root and grow. From first-time ventures to established businesses, we’re by your side. Contact us today to get started!
