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. Historical volume is not a quote. PeerSense does not speak for Montecito Bank & Trust.
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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Talk to PeerSenseFOIA history for Montecito Bank & Trust
FOIA history for Montecito Bank & Trust: 357 SBA loans across 3 states, average size $279K. Highest-volume NAICS in the tape: Amusement & Recreation. Highest-volume state in the tape: California. Resolved-loan charge-off rate: 4.4%. That is history, not a buy box and not a prediction they will fund your file. Tell us about your deal.
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 September 1, 2026.
Originator warehouse
$100M a monthFocus $100 million a month. Will look at $10 million a month. $10 million is not the focus.
Invoice Factoring
0.5–3.5% / 30dB2B invoices from $20 million a month. Advance 80 to 95 percent of face.
CMBS Conduit
5.60–7.10%10 year Non Recourse fixed, $10 million and up, fully assumable
Bridge Loans
9.00–14.00%$10 million and up. Cash in about 35 percent. Name the takeout first.
Data Center
CRS to 89%$1 billion to $30 billion plus. Signed or guaranteed hyperscaler lease.
Contracted revenue sale
Up to 89%15 year lease signed or guaranteed by a hyperscaler. Size follows the lease.
Hotel Financing
SearchHotel is search only. Public floor $10 million and up. Cash in about 35 percent.
Private Credit
7.80–18.00%Non-bank flexibility. Public CRE floor $10 million and up.
DSCR Investor
SearchSearch path. Public CRE floor $10 million and up.
Indicative only, as of September 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 sources the file. The lender sets pricing. What these terms mean.