First Bank of San Luis Obispo - Commercial Lending

Financing Links Commercial Lending

Small Business Administration Loans

Small Business Loans & Lines of Credit

Commercial Lending

Commercial Real Estate & Construction

International Trade Finance

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We have the sophistication and capacity of a major bank with the responsiveness of a local bank dedicated to serving our clients.

We offer a full array of financing services including:

Working Capital Lines of Credit
Term Loans for Capital Expansion
Equipment Loans
Accounts Receivable and Inventory Financing
Import and Export Financing
Structured Financing for Full and Partial Recapitalizations
ESOP Financing
Acquisition Financing

We have a dedicated group of experienced Relationship Managers who will take time to structure financing solutions to meet your company's needs. Our consultative Relationship Managers have the expertise and the local credit authority to evaluate your financing request promptly and deliver a speedy decision.

We are dedicated to serving the unique financing needs a variety of industries. Convenient visits to your company allow Relationship Managers to advise you on all aspects of corporate finance services including:

Financial Planning and Modeling
Industry Comparisons
Business Valuations
Advice on the Sale of Your Business
Business Ownership Succession Services
Interest Rate Risk Management (including swaps, caps, collars, forward rate commitments, and other derivative products)

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Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, Pacific Capital Bank, and First Bank of San Luis Obispo are divisions of Pacific Capital Bank, N.A., member FDIC.

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