Montecito Bank & Trust
SBA lender based in California serving 3 states and 55 industries
Is Montecito Bank & Trust the right SBA lender for your deal?
Montecito Bank & Trust has funded 357 SBA loans across 3 states and 55 industries. Their average loan size is $279K. Whether they are the right SBA lender for your deal depends on size, industry, geography, and credit profile. PeerSense matches your deal against Montecito Bank & Trust and 897+ alternatives based on closing probability + pricing.
Montecito Bank & Trust is an SBA Preferred Lender (PLP), a designation the SBA grants to lenders with delegated authority to approve 7(a) loans in-house, which speeds underwriting and closing. Montecito Bank & Trust has funded 357 SBA 7(a) loans across 3 states, averaging $279K per loan. PLP status means the lender does not have to send each file to the SBA for review, a material edge on turnaround for qualified borrowers.
Top Lending States
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Book a CallWhy borrowers choose Montecito Bank & Trust
Montecito Bank & Trust is best suited for borrowers seeking mid-market business acquisitions and franchise build-outs, with an average SBA loan of $279K. The lender's deepest industry experience is in Amusement & Recreation, and their highest-volume state is California. With 357 SBA loans funded across 3 states, they operate as a regional specialist anchored in California. Their portfolio default rate is 4.4% (resolved-loan basis). If your deal profile aligns with their underwriting box, this lender is worth a quote. PeerSense matches your specific deal against Montecito Bank & Trust and 897+ alternatives.
Recent SBA Activity at Montecito Bank & Trust
Franchise lending: Montecito Bank & Trust has funded SBA loans for multiple franchise concepts, with the highest volume in SUBWAY SANDWICH SHOP, IM-XPI PILATES STUIDO, and SUB SHOP. Lender-franchise familiarity reduces underwriting friction: brands the lender already knows clear faster and re-trade less.
Industry concentration: The lender's highest-volume SBA industries are Amusement & Recreation, Limited-Service Restaurants, and Professional/Technical Services. Borrowers in these NAICS sectors typically see better terms and faster approvals.
Geographic concentration: Top markets are California. Lenders typically underwrite faster in states where they already have closing comps.
Compare Montecito Bank & Trust to Similar SBA Lenders
Other SBA lenders headquartered in California with similar deal-size profiles. Borrowers should always compare 3–5 lenders before committing.
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About Montecito Bank & Trust SBA Lending
Montecito Bank & Trust is an SBA lender headquartered in California. PeerSense tracks this lender's SBA lending activity, including approval trends, geographic coverage, and industry specializations.
Montecito Bank & Trust serves borrowers across 3 states and 55 industry sectors with a regional lending focus. To find out whether Montecito Bank & Trust is a good fit for your specific deal, reach out to PeerSense for a free lender match.
PeerSense maintains detailed performance data on hundreds of SBA lenders to help borrowers and brokers identify the right capital source. Rather than spending weeks researching lenders on your own, book a free call and let our team match you with lenders who have a proven track record in your industry and geography.
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See Related Rates by Program
PeerSense covers the full commercial capital stack. Indicative levels that lenders in our network have been pricing across these programs, as of August 1, 2026.
CMBS Conduit
5.60–7.10%10-yr non-recourse fixed, $5M–$500M+, fully assumable
Bridge Loans
9.00–14.00%12–36 mo transitional, SOFR + 470-970 bps, 65-75% LTV
DSCR Investor
5.95–8.50%30-yr fixed rental, qualifies on property cash flow
Equipment Financing
5.50–12.00%Loan, lease, SBA 504, vendor, captive. Section 179 eligible
Hotel Financing
5.85–11.75%CMBS + SBA 504 + bridge + PIP across all flags
Private Credit
7.80–18.00%Non-bank flexibility, unitranche, recap, transitional
Invoice Factoring + ABL
0.5–3.5% / 30dB2B receivables, trucking / staffing / construction / govt
No-Doc CRE
7.50–11.50%Limited-doc commercial, asset-based underwriting
Foreign National
7.50–11.00%Non-US borrower CRE + bridge, no SSN required
Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.