Customer Testimonials

Group image of Socksmith workers

What Sets Us Apart?

Business lending is our forte.

Experience

Each of our lenders have 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 straight forward 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. You'll save time and energy working with one person, instead of separate individuals for each component.

Out of the Box Creativity

Fitting you into a box of categories we've created isn't our style. Our mission is to find solutions to fit your needs, whether traditional or non-traditional.

Our Customers Say it Best!

Meet our customers! These local business owners share why they chose to bank with us; how our partnership has helped grow their business; and how Santa Cruz County Bank has added long term value to their businesses through lending services and financial solutions. It is our privilege to help customers achieve their goals and dreams. What are yours?

Meet Our Customers

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Monterey Signs

Shawn and Anjanette Adams
Shawn and Anjanette Adams, Owners

"We moved all of our banking to Santa Cruz County Bank. It was a smooth transition thanks to the Monterey branch team - Rich Aiello was a driving force in this process. They are easy to work with and really understand local businesses. Thank you for seeing the big picture and having faith in us!"

Lillian's Italian Kitchen

The Moreno Family
The Moreno Family, Owners

"All the people we have worked with over the past two years at Santa Cruz County Bank have been so professional, helpful and supportive. The online PPP loan application and forgiveness processes were straightforward and very easy to navigate. Kudos to you and your tech team for building a very customer friendly and efficient system. We realize that we would most likely not have our business without securing our two PPP loans. We are extremely grateful to you and your team for all that you did."

Foodsmith

Jamie Smith
Jamie Smith, Owner and Head Chef

"A bank that focuses on relationships really understands what a business needs. Our loan gave us the capacity to give back to the community, and the confidence to know that we can execute as our business grows. We couldn't have done this without Santa Cruz County Bank. The relationship building made it possible."

Scurich Berry Farms Inc.

Dane Scurich
Dane Scurich, President and CEO

"We switched all our banking to Santa Cruz County Bank, which was smooth and easy. They listen and truly understand agriculture and the needs of our business."

Carpet Caravan

Frank Flores
Frank Flores, Owner

"Shared values. That's why we partner with Santa Cruz County Bank. They're as committed as we are to personal service that makes customers feel like family."

Oceanside Supported Living Services

Oceanside staff group picture
Ryan Colligan, CEO

"Santa Cruz County Bank is there for us when we need them the most. We are extremely happy with the level of support for our two companies, including much-needed PPP funding, a revolving line of credit, and everyday banking. We couldn't be happier with our banking partnership."

Digital Nest

Jacob Martinez
Jacob Martinez, Founder & Executive Director

"We've been banking with Santa Cruz County Bank since the beginning, and as Digital NEST grows, they're right there with us. The parallel growth we're both experiencing, the community minded focus we both have - it's a successful partnership that supports our goals along the Central Coast"

Santa Cruz SPCA

Ali Talley
Ali Talley, Executive Director

"It's important to us to partner with a bank that actively invests in the businesses and organizations that make the Santa Cruz community thrive. Santa Cruz County Bank is a wonderful partner - during construction of our new shelter, for our ongoing banking needs, and looking forward as we grow our lifesaving work and deepen our connection with our community"

Armadillo Willy's

Matt Granville
Matt Granville, COO & CFO

"We switched to Santa Cruz County Bank for all our banking needs. The process went smoothly thanks to the Cupertino staff who were attentive, responsive, and paid attention to every detail. The team at SCCB is very reliable and we are happy with our decision to change banks."

Craft Gallery & the Annex

Carin Hanna
Carin Hanna, Owner

"I want to thank Santa Cruz County Bank for helping my business during the pandemic. They promptly answered my questions and helped me obtain a PPP loan. My PPP loan forgiveness was just accepted! I recommend SCCB to my fellow business owners and to individuals. I could not have done it without their help. "

Ibis Cycles, Inc.

Tom Morgan
Tom Morgan, President

"We turned to SCCB when we saw how they were using all the resources at their disposal to process applications, in time for the deadline and to secure loans for local businesses in the first round of funding. That kind of personal attention and resourcefulness is just not available from the national banks. "

Health Projects Center

John Beleutz
John Beleutz, Executive Director

"Santa Cruz County Bank is a local partner we can trust. They are flexible to our needs, and supportive of our mission."

Fireclay Tile

Eric Edelson
Eric Edelson, CEO

"We had a lot of challenges finding a banker who could support our mission and values. The team at Santa Cruz County Bank listened, took time to understand our business, and came up with creative solutions in very timely manners. We are so grateful for this partnership!"

Creekside Farms

JJ Scurich
JJ Scurich, President and CEO

"We have relied on Santa Cruz County Bank for all our banking needs for over a decade. We're on a first-name basis with bankers who understand the seasonality of our business and the recent impacts of the pandemic. Dependability is everything, and Santa Cruz County Bank has come through for us every time."

Don Chapin Co. Inc.

Don Chapin
Don Chapin Co. Inc.

"The Don Chapin Company is pleased to have a strong relationship with Santa Cruz County Bank. They are a leader in understanding local businesses and our local economy. We give Santa Cruz County Bank the highest rating for their commitment to our community, their timely responses, and their great customer service. SCCB truly understands the needs of those who live, work and play here."

Cat and Cloud Coffee

Cat and Cloud Coffee
Chris Baca, Jared Truby, and Charles Jack

"Banking with Santa Cruz County Bank, we feel like we have a true financial partner and advocate in our corner. Their care and support this year has allowed us to retain jobs, navigate a challenging business atmosphere, and access capital during an incredibly turbulent time."

Botanic and Luxe

Leilani Zehnder and Ariel Stirm
Leilani Zehnder and Ariel Stirm

"As a small, local business, it is very important to us to bank locally! You can't beat the experience at Santa Cruz County Bank - everyone is so friendly, the service is speedy, and they've always been there for us. PLUS, we get to enjoy their beautiful landscape every time we make a deposit - definitely a perk for us plant ladies!"

BirchBark Foundation

Dr. Merrianne Burtch and Moonshine
Dr. Merrianne Burtch and Moonshine

"Santa Cruz County Bank provided a seamless, comforting experience during a highly troubling (and confusing) time. In the process of applying for and receiving a PPP loan, it was evident that we were not just a "number," but a valued part of our community. The exemplary service the Bank's staff provided showed us their true, caring culture for the well-being of this community. Thank you, Santa Cruz County Bank and Staff - you are all genuine, dedicated, and appreciated!"

K&D Landscaping

Justin White
Justin White

"What sets Santa Cruz County Bank apart is they take the time to understand your business model, find out what your long-term goals are, and then offer solutions to make that happen. They have been a critical partner in our ongoing success, delivering consistent, personalized support."

Blue Arc Electric, Inc.

Jared Kroner
Jared Kroner, President

"It's comforting to know our bank is behind us. As an essential business, we turned to Santa Cruz County Bank for a PPP loan during the pandemic to retain 30 critical positions. We've been impressed with their personalized service and attention to our business"

Habitat Horticulture

David Brenner
David Brenner, Founder

"Santa Cruz County Bank provided PPP funding at a critical time for our business which allowed us to retain 48 employees during the pandemic and adapt our business. Thanks to their support, we are able to launch our new botanical living wall direct to consumer product line, Gromeo"

Workbench

Jamileh Cannon and Tim Gordin of Workbench
Jamileh Cannon and Tim Gordin, Founding Partners

"We have known for a long time that SCCB was unparalleled in customer service and commitment to local businesses. Even with that knowledge, their hard work and dedication during COVID-19 has gone above and beyond. They are an incredible partner to this community."

Illuminee

Isabelle Brightman
Isabelle Brightman, Owner

"I am so happy to have found a bank that understands our vision. Thank you Santa Cruz County Bank for believing in my business and supporting our expansion."

Provac Sales

Paul Flood
Paul Flood, President

"When President & CEO David Heald visited us in 2004, he let us know a new bank was opening. We signed up and have loved the personalized service ever since! No 1-800 numbers here. Our bankers provide the help we need right away."

AAMCO

Kim Johnson
Kim Johnson, Owner

"Working with Santa Cruz County Bank for the last 15 years has allowed us to grow our business and expand relationships with our customers. As a family owned business, I appreciate the connections and support my local bank has to offer."

Bay Plumbing Supply and Showroom

Pat McQuillan
Pat McQuillan, Owner

"We have had a strong relationship with SCCB since its founding in 2004. Their personalized service and expertise got us through COVID-19 by securing an SBA PPP loan and funds to protect our business and retain our excellent staff."

Trick or Treat Studios

Chris Zephro with a "Chucky" doll
Chris Zephro, Owner

"Santa Cruz County Bank has supported my business since day one. When I was just starting out, they took the time to understand my business and came up with creative ways to support funding. We're now a multi-million-dollar business. It has been a great relationship for the past 11 years."

Concentric Power

Concentric Power
Brian Curtis, Founder and CEO

"We have turned to Santa Cruz County Bank for everything from vehicle financing to business checking and a working capital line of credit. They are the best of both worlds: all the services of a larger bank combined with small town accessibility, and an understanding of the customers we serve."

Salud Para La Gente

Salud Para La Gente
Tony Balistreri, CFO

"When we needed financial assistance to expand our clinic, we went directly to Santa Cruz County Bank. Securing financing helped us renovate and expand our East Beach Street clinic in downtown Watsonville, and provide care to 10,000 additional patients. We have been banking here for many years. We highly recommend our bank to other businesses looking to partner with a local community bank that understands the needs of the community."

Socksmith

Socksmith
Eric & Ellen Gil, Owners

"Without the support and expertise of our local bank, we could not have grown as quickly as desired. Our local bank knows our business and always responds to meet our needs."

Sockshop & Shoe Company

Sockshop & Shoe Company
Eric & Ellen Gil, Owners

"Banking at its best is local and personal. With Santa Cruz County Bank we have both. Our new expansion on the Santa Cruz Wharf is one example of how our growing business is fully supported because of where we choose to put our money."

Tepui Tents

Tepui Tents Staff
Evan Currid, Founder

"Tepui is proud to pioneer a new industry with the support of Santa Cruz County Bank"

Live Earth Farm

Tom Broz
Tom Broz, Owner

"Santa Cruz County Bank has provided us with the support and service I can trust to operate a resilient and healthy farm."

Love Apple Farms

Cynthia Sandberg
Cynthia Sandberg, Owner

"Finding a small community bank with specialized lending programs and experienced lenders allowed me to finance my business through the USDA's Farm Service Agency loan program. The Bank listened to my needs and found the right solution to finance my farming operation when other banks could not. I'm grateful for their professionalism, lending expertise, and great service!"

Four Winds Growers

Don Dillon, Jr., Lexa Dillon, & Aaron Dillon
Don Dillon, Jr., Lexa Dillon, & Aaron Dillon

"Our 4th generation wholesale nursery business secured financing through Santa Cruz County Bank to purchase our property, along with a line of credit to help with seasonal cash flow. It was a breath of fresh air to find a bank that listened to our needs and delivered. Thank you for making our banking so effortless!"

Volunteer Center of Santa Cruz County

Karen Delaney & Lois Connell
Karen Delaney & Lois Connell

"We choose Santa Cruz County Bank because we know they share our values of putting community first. Not only do they make banking easy, we see them out volunteering, engaging their customers and investing in our community every day."

C&N Tractor

Julie Oliver
Julie Oliver

"When we needed business financing, Santa Cruz County Bank listened to and met all of our needs. Thanks to their expertise and commitment to meeting our business needs, we have realized our ultimate vision for our company and we have peace of mind. With Santa Cruz County Bank, we have more than a bank; we have a long term relationship."

Santa Cruz Guitar Company

Richard Hoover
Richard Hoover

"Compatibility, service and giving back locally are the values Santa Cruz County Bank and Santa Cruz Guitar Company share in common. What a fine match for our community."

Pleasure Pizza & East Side Eatery

Derek Rupp
Derek Rupp, Owner

"As a busy business owner, I need 21st century technology, backed by the human touch. With Santa Cruz County Bank, I have both, and my banking is easy as 'pizza' pie."

Sushi Garden

Sushi chef
Bryant & Wendy Wi, Owners (not pictured)

"The successful expansion of our business was made possible by Santa Cruz County Bank. Because of their responsiveness and expertise the process was efficient and smooth, and our business is thriving."

Pacific Cookie Company

Cara Pearson
Cara Pearson, President

"Pacific Cookie Company has banked with Santa Cruz County Bank since the Bank's inception. As our company grows, the Bank continues to be a valuable mentor and team member. We appreciate that the Bank understands our financial needs and that they are dependable, timely and committed to our 'sweet' success."

Pacific AgPak

Pacific AgPak
Dave Baum, President of Sales, Stan Baum, Operations Manager

"Santa Cruz County Bank has been a loyal and responsive business partner to Pacific AgPak for the past nine years. We know exactly who to call and enjoy doing business with a local community bank that supports our financial needs every step of the way."

Las Animas Concrete

Las Animas Concrete
Scott French, President

"Santa Cruz County Bank has met our unique financing needs for the past 10 years. They've come through for us every time with ease and expertise; from refinancing a south county plant, to providing financing for our cement trucks. We enjoy working with a local bank that provides face to face, personalized service and local decision making."

Sun Shops/Millions of Memories

T.J. & Marcella Moran
T.J. & Marcella Moran, Owners

"Santa Cruz County Bank is a big part of what makes our multi-generational business viable. Being a seasonal business requires more than a bank, but a relationship. Santa Cruz County Bank understands our business, sees our vision and makes our success possible."

Storrs Winery

Steve & Pamela Storrs
Steve & Pamela Storrs, Owners/Winemakers

"Santa Cruz County Bank’s lending team met our desire to be at the forefront of innovation in building technology and energy efficiency. They have demonstrated flexibility and enthusiasm from the early stages, to the ground breaking, and into the home stretch as we realize the fulfillment of our long term dream to operate a winery on our estate vineyard property. Cheers to Santa Cruz County Bank!"

California Pajarosa

John Furman
John Furman

"At California Pajarosa we believe in supporting our local economy. When selecting a bank, we chose the bank that reflects the way we do business and that shares our values of supporting local charities and events, and truly cares about our community. That bank is Santa Cruz County Bank, involved and local."

Shadowbrook Restaurant

Ted Burke
Ted Burke, Owner

"Banking is all about relationships. Our business greatly values the relationship we have with Santa Cruz County Bank. They are our neighbor, they know us by name, and every day, year after year I know I can count on them."

Smith & Vandiver

Jeff Slaboden & Alida Stevens
Jeff Slaboden, President & Alida Stevens, Founder

"When the recession hit, Santa Cruz County Bank financed our locally owned, 30 year old business, when other local branches of large national banks would not. With this support, our business is now thriving and we continue to support our local economy, providing paychecks for 70-80 local families."

Lakeside Organic Gardens, LLC

Dick Peixoto
Dick Peixoto, Owner

"For us, it's all about the relationship you have with your bank. After years of dealing with large corporate banks, we've found Santa Cruz County Bank to be flexible, cooperative and easy to work with. Here, we feel we have a partnership; we work together, and we both benefit. We love banking at Santa Cruz County Bank."

Best Western Plus Seacliff Inn

The Giuliani family
The Giuliani family, Co-Owners

"Santa Cruz County Bank afforded us the opportunity to make favorable business improvements and went the extra mile to meet our borrowing needs. We're extremely satisfied and we enjoy knowing that our bank supports the local community."

Los Altos Used Cars

Don Francisco Moran
Don Francisco Moran, Owner

"Santa Cruz County Bank financed our new location all in one stop, from ground up construction to permanent financing. The SBA loan with Santa Cruz County Bank has enabled our company to grow and expand in challenging times."

Betty Burgers

Laurie Negro
Laurie Negro, Owner

"Santa Cruz County Bank is the perfect partner for our growing business. They've provided financing, merchant credit card solutions and everything in between so we can manage all our personal and business banking needs. We love banking locally, with Santa Cruz County Bank."

Central Coast Surgery Center

Dr. Dan Spilman
Dr. Dan Spilman

"Santa Cruz County Bank financed all of our surgery center equipment which has allowed us to expand and revolutionize the quality of care we give our patients. We've relied on Santa Cruz County Bank to find solutions to support our needs for the past 5 years. As our business grows, we know our bank is behind us every step of the way."

Watsonville Coast Produce, Inc.

Gary Manfre
Gary Manfre, President

"When we thought of installing solar for our business, Santa Cruz County Bank said, 'Yes, we'll finance it!' Thanks to Santa Cruz County Bank, we've added long term value to our company, and we are invested to provide for future generations. Whenever we've had a business idea or need, Santa Cruz County Bank has provided a solution."

Photographs by r.r. jones photography.

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