Real Estate Lending

Building under construction with Santa Cruz County Bank banner.

Real Estate Lending

Relationship Lending by Experienced, Creative Local Lenders

We are a full-service bank specializing in all aspects of construction and commercial business lending. Our commercial lending process is different from other banks – with local decision making, knowledgeable professionals, and exceptional service, you are sure to find Santa Cruz County Bank the premier choice for all your lending needs.

Contact Us

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Real Estate Commercial Property Lending:

  • Office
  • Industrial
  • Multi-family
  • Motel/hotels
  • Mixed-use properties
  • Non-traditional or hybrid properties on a case-by-case basis

Construction Lending:

  • Spec homes
  • Subdivision financing
  • Commercial construction
  • Lot acquisition and improvement loans
  • Conversion of properties to different uses
  • Owner-occupied homes, including modular homes

What Sets Us Apart?

Business lending is our forte.
We have experienced business lenders available in every market area we serve.

Experience

Each of our lenders has years of local credit experience and a working knowledge of local market conditions.

Local Decision Making

Our processes and approvals are all performed in-house, which results in timely and straightforward approvals.

One-on-One, Relationship-Driven Service

As a borrower, you can expect to work with one experienced lender and decision maker regarding your project from start to finish. Working with one lender saves time and energy, rather than working with separate individuals for each component.

Out-of-the-Box Creativity

Fitting you "into a box" isn't our style. Our mission is to find solutions to fit your needs, whether they be traditional or non-traditional.

Max and Ola Mugnier

Max and Ola Mugnier
Owner/Builders

"As an owner/builder, getting a construction loan from Santa Cruz County Bank was smooth. SCCB walked us through the process, giving us encouragement and support throughout."

For an appointment, or if you have questions regarding construction or real estate commercial lending, please contact us:

Santa Cruz

Marshall Delk

Marshall Delk
VP Senior Business Banking Officer
831.600.4041

Kristine Ronzano

Kristine Ronzano
VP Senior Relationship Manager
831.431.4609

Nick Scimone

Nick Scimone
AVP Relationship Manager
831.431.4603

Chris Van Zanen

Chris Van Zanen
VP Senior Relationship Manager
831.600.4030

Silicon Valley | Greater Bay Area

Michael Luong

Michael Luong
VP Senior Relationship Manager
510.701.5912

Stephen Meade

Stephen Meade
VP Senior Business Banking Officer
408.200.2998

Monterey | Salinas

Rich Aiello

Rich Aiello
SVP Salinas / Monterey
Regional Manager
831.600.4081

Chris Illig

Chris Illig
VP Senior Relationship Manager
831.600.4003

Jay Gines

Jay Gines
VP Senior Relationship Manager
831.600.4061

Construction Lending

Doug Fischer

Doug Fischer
SVP Director of Business Banking
831.600.4049

Dara Harris

Dara Harris
VP Senior Relationship Manager
831.600.4024

Frederick L. Caiocca

Frederick L. Caiocca
EVP Regional Credit Executive
831.600.4046

John P Sisk

John P Sisk
EVP Chief Banking Officer
831.600.4018

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