Santa Barbara Commercial Fund offers short-term commercial loans of up to $10,000,000

(most loans are $100,000-$2,500,000), primarily secured by residential and 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.

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

  • Construction & Development

  • Estate planning

  • 1031 exchanges

  • Tenant Improvements

  • Equipment & Inventory Purchases

  • Asset Base Lending

  • Permanent Working Capital

  • Partner Buyouts

  • “All In” borrower costs are typically 8-12% per annum.  Pricing offered is risk-adjusted.

  • Most loans will have a prepayment fee to ensure a minimum return for loan commitments.

  1. Applicant submits loan application.

  2. Loan application is assessed.

  3. Letter of Interest (LOI) with preliminary terms offered to client.

  4. Earnest deposit is required upon acceptance of LOI. 

  5. Underwriting & due diligence is performed on completed loan application.

  6. Final loan approval & documentation & recording of necessary security instruments.

  7. Funding of Loan. (From 5-30 business days from completed loan application).



The Granada Tower

1216 State Street, Suite 404 

Santa Barbara, California 93101

California Finance Lender #60DBO 78048

© 2017 by SBCFund. Website Design by PrincetonNorth

All material presented herein is intended for informational purposes only.

Information is compiled from sources deemed reliable but is subject to errors.