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Business Lending

Santa Cruz County Bank is your local lender. We offer competitive pricing on Real Estate lending, Small Business Administration (SBA), Business and Industrial (B&I) and Farm Service Agency (FSA) lending by experienced, creative local lenders. Let us put all the things you desire within your reach! With local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for your lending needs. We are a full service bank that specializes in all aspects of construction & commercial business lending. Find out What Sets Us Apart and Meet our Customers to find out what local business owners are saying about Santa Cruz County Bank.

To get started on a loan request or to ask about our lending programs, please contact one of the individuals listed below by email or by phone or you may complete the form below and we'll contact you.

Business Lending

  • Full complement of revolving and non-revolving lines of credit.
  • Long-term notes for capital needs
  • Short-term notes for various specific needs
  • Merchant services
  • Commercial and Stand-By Letters of Credit

For an appointment or if you have questions in regard to business loans, please contact:

Angelo DeBernardo, Jr.
SVP, Senior Lending Officer
831.457.5003 ext 2142 		  Fred Caiocca
EVP, Regional Credit Manager
831.457.5003 ext. 2119
Doug Fischer
VP, Commercial Real Estate
& Construction Lending
831.457.5003 ext 2149		   Shawn Lipman
VP, Senior Relationship Manager
831.457.5003 ext 2139
Chris Maffia
VP, Relationship Manager
831.457.5003 ext 2123		   Chuck Maffia
VP, Relationship Manager
831.457.5003 ext 2301
Karen Marcum
VP, Relationship Manager
831.457.5003 ext 2440		   Pamela Zamani
VP, Relationship Manager
831.457.5003 ext 2240

N.M.L.S. Identification Numbers

In order to comply with requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (S.A.F.E. Act), Santa Cruz County Bank provides the following National Mortgage Licensing System and Registry (N.M.L.S.) Identification Numbers for Mortgage Loan Originators

Anthony Bellavia: 879043 Frederick Caiocca: 637658 Angelo DeBernardo Jr.:637661
Douglas Fischer: 637663 Shawn Lipman: 839401 Charles (Chuck) Maffia: 637665
Christina (Chris) Maffia: 637667 Karen Marcum: 637669 Pamela Zamani: 637656

To access the N.M.L.S. Registry, please visit: nmlsconsumeraccess.org

Please complete the form below so we may contact you: