GOOD
How competitive are their spreads? Lower = better for you.
GOOD
Total SBA loans closed. More deals = more experience.
GOOD
How many industries do they lend in? More = flexible.
WEAK
States where they've done deals. Wider = easier if you're out of state.
Total SBA Loans
114
2010–2025
Total Volume
$63M
Gross loan amounts
States Active
2
With recorded loans
Programs
7(a) & 504
114 total segments
Montecito Bank & Trust has a strong focus on 504 loans, making up 41% of their SBA deals. This is significantly higher than the national average of 18%, indicating they are well-suited for borrowers looking for real estate financing.
With an average 7(a) spread of P+2.54%, Montecito Bank & Trust offers competitive pricing compared to the national median of P+2.75%. This could save borrowers money on interest over the life of the loan.
The majority of Montecito's deals (87%) are for existing businesses, indicating they primarily serve established companies rather than startups. If you're a new business, this lender may not be the best fit for your needs.
Quarterly SBA lending activity, last 5 years.
Estimated spreads based on real historical SBA lending data. Directional, not exact quotes. Excludes 47 504 loans, which use fixed SBA debenture rates.
States where Montecito Bank & Trust has recorded SBA lending activity.
Lending activity by industry cluster.
Top 8 of 15 industries by deal count
Manufacturing
Manufacturing
Specialty Trade Contractors
Construction
Restaurants & Food Service
Accommodation & Food Services
Retail Trade
Retail Trade
Physician & Dental Offices
Health Care & Social Assistance
Wholesale Trade
Wholesale Trade
Building Construction
Construction
Agriculture & Forestry
Agriculture & Forestry
+ 7 more
All recorded SBA lending activity for Montecito Bank & Trust, grouped by state, industry, and deal size.
| Segment | Program | Deals↓ | Median Spread | Avg Size | Last Deal |
|---|---|---|---|---|---|
| California · Specialty Trade Contractors · Under $150K | 7(a) | 9 | P+4.25% | $79K | Q3 2025 |
| California · Manufacturing · Under $150K | 7(a) | 6 | P+2.00% | $93K | Q3 2012 |
| California · Restaurants & Food Service · $150K – $350K | 7(a) | 5 | P+2.75% | $261K | Q3 2019 |
| California · Restaurants & Food Service · Under $150K | 7(a) | 4 | P+3.38% | $84K | Q4 2018 |
| California · Physician & Dental Offices · $500K – $1M | 504 | 4 | — | $637K | Q3 2013 |
| California · Retail Trade · Under $150K | 7(a) | 4 | P+2.50% | $81K | Q3 2019 |
| California · Manufacturing · $150K – $350K | 7(a) | 4 | P+2.13% | $212K | Q2 2013 |
| California · Specialty Trade Contractors · $150K – $350K | 504 | 2 | — | $270K | Q4 2020 |
| California · Specialty Trade Contractors · $2M – $5M | 7(a) | 2 | P+1.50% | $2.3M | Q2 2012 |
| California · Physician & Dental Offices · Under $150K | 7(a) | 2 | P+2.25% | $75K | Q2 2011 |
| California · Restaurants & Food Service · $500K – $1M | 7(a) | 2 | P+3.75% | $750K | Q4 2010 |
| California · Agriculture & Forestry · Under $150K | 7(a) | 2 | P+3.63% | $75K | Q2 2018 |
| California · Manufacturing · $500K – $1M | 7(a) | 2 | P+2.25% | $675K | Q3 2012 |
| California · Retail Trade · $150K – $350K | 7(a) | 2 | P+2.63% | $225K | Q4 2009 |
| California · Manufacturing · $1M – $2M | 504 | 2 | — | $1.5M | Q4 2023 |
| California · Building Construction · $1M – $2M | 504 | 2 | — | $1.2M | Q1 2025 |
| California · Other Health Practitioners · $150K – $350K | 504 | 2 | — | $221K | Q3 2020 |
| California · Specialty Trade Contractors · $1M – $2M | 504 | 2 | — | $1.3M | Q2 2021 |
| California · Real Estate · $150K – $350K | 504 | 2 | — | $271K | Q3 2022 |
| California · Retail Trade · $350K – $500K | 504 | 2 | — | $432K | Q4 2020 |
| California · Restaurants & Food Service · $500K – $1M | 504 | 2 | — | $612K | Q2 2021 |
| California · Agriculture & Forestry · $2M – $5M | 504 | 2 | — | $4.0M | Q3 2025 |
| California · Sporting Goods & Hobby · Under $150K | 7(a) | 1 | P+2.75% | $110K | Q4 2010 |
| California · Food & Beverage Stores · Under $150K | 7(a) | 1 | P+3.50% | $50K | Q4 2011 |
| California · Wholesale Trade · $500K – $1M | 504 | 1 | — | $957K | Q2 2012 |
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