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Santa Cruz County Bank Photos of Santa Cruz
Construction Lending

Relationship lending by experienced, creative local lenders.

We are a full service bank that specializes in all aspects of construction & commercial business lending. Our commercial lending process is unlike most others.

What Sets Us Apart?

Real Estate Commercial Lending:

  • Owner occupied homes including straw bail and modular homes
  • Spec homes
  • Subdivision financing
  • Lot acquisition and improvement loans
  • Commercial construction
  • Conversion of properties to different uses
  • We deliver prompt, in-house inspections at no extra fee

For an appointment or if you have questions in regard to construction or real estate commercial lending, please contact:





















Doug Fischer
AVP, Commercial Real Estate
& Construction Lending

831.457.5003 ext 2149
  Fred Caiocca
EVP, Chief Credit Officer
831.457.5003 ext 2119