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Santa Barbara Commercial Fund
Portfolio Lending Solutions & Investments

SBCFund delivers timely decision-making & flexibility that borrowers can “bank on” to achieve their financial objectives.  Our team brings a combined 50+ years of local commercial banking experience & contacts with local investor funding.

SBCFund is committed to servicing clients’ business financing needs in Santa Barbara and surrounding coastal communities.  Loan purposes may include:

  • Real Estate Acquisition,

  • Reposition & Improvement (Minor construction)

  • Bridge

  • Cash Out


SBCFund offers short term commercial loans of up to $10,000,000 (Most loans are $500,000-$2,500,000), primarily secured by residential & commercial real estate.  Most loans will require the guarantee of one or multiple sponsors.  SBCFund will consider business loans with other forms of collateral other than real estate


Passive returns delivered by an experienced lending team (In developing, negotiating, structuring, documenting, servicing, and collecting loans as well as policies & procedures, lending specific legal counsel, special assets, construction fund disbursement and compliance).  

"The Santa Barbara Commercial Fund is a boutique commercial lending fund that bridges the gap between traditional bank financing and private collateral based financing."

Ken Jacobsen

Owner & Managing Member of the SBCFund Management Company,


“Ken displayed great professionalism as his lending skills created the financing program that enabled Ice in Paradise to move forward and be built.” 

Jack Norqual

Board Director of Ice In Paradise (Director of construction of $12M Goleta ice rink facility serving the Greater Santa Barbara Area, financed by American Riviera Bank)

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