CLIENT VALUE

PROPOSITION

Santa Barbara Commercial Fund clients are sophisticated commercial & residential real estate investors & developers, small business owners, entrepreneurs, irrevocable trusts, and various business entities.

UNDERWRITING

“In House” underwriting, loan documentation & servicing, including construction draw/inspection management. We know our clients and they have access to timely decision-making/funding.

REFINANCING

Refinancing Assistance. Ability to assist borrowers in structuring/positioning their long-term projects for the best possible financing sources.

FLEXIBILITY

REPORTING

Relevant financial reporting & reasonable 3rd party reports/reviews. Due diligence is driven by mitigating identified risks to SBCFund investors vs. banking regulations.

TIME

Decision-making and timeliness. Ability to close in 3-5 business days.

Flexible loan structuring to suit capital/cash flow needs. Typically interest only repayment terms with principal balloon payments. Ability to tailor loan repayment structure to repayment sources.

CASH OUT

“Cash Out” re-financings. This is typically an area Bank’s are hesitant to meet borrower’s needs. SBCFund can provide a bridge with “Cash out” financing which the borrower can refinance into permanent financing upon stabilization, etc. Willing to continue with subordinate 2nd Trust Deeds to approved senior bank financing.

CONSISTENCY

Consistent lending in up & down markets. Underwriting to cash flow & collateral which is different than just collateral based lenders a similar lending concept to community bankers'.

CONTACT

Contact SBCFund today and get first hand on how we operate & value our clientele.

Stategic Structure

CAPITAL & LOANS

STRATEGIC STRUCTURE

Loans

Payments

Returns

Investments

Payments

Returns

Investments

Loans

Management/Experience
Overhead/Talent
Compliance/Counsel

Loans & Capital

Clients

Loans

Investors

Capital