Agricultural Lending

Rows of crops in a field

Agricultural Lending

Santa Cruz County Bank, an approved USDA Farm Service Agency (FSA) and Business & Industry (B&I) lender, is a lender of choice for agricultural and agriculture-related businesses in Santa Cruz, Monterey, and Santa Clara County. Our agricultural lending solutions are specifically designed to meet the financing needs of the agricultural industry. We work with each business owner individually to achieve a complete understanding of their business model before recommending other products and services to further complement their business. Working together creates a deeper relationship and partnership between the Bank and our clients.

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For businesses in the agriculture industry we offer lending solutions for specific funding needs such as:

  • Crop production
  • Ag / Wine lending
  • Standby letters of credit
  • Term loans and lines of credit
  • Solar & energy efficiency loans
  • Farm Service Agency (FSA) loans
  • Business and Industry (B&I) lending
  • Receivables and inventory financing
  • Short and intermediate-term financing
  • Farm and processing equipment purchases
  • Orchard development and capital acquisitions

Other Products & Services

  • Wires
  • Mobile banking
  • ACH origination
  • Courier services
  • International services
  • Remote deposit capture
  • Merchant credit card services
  • Online banking, bill payment & treasury management
  • And more!

For an appointment, or if you have questions about our agriculture-specific financing and other available products, please contact us:

Frederick L. Caiocca

Frederick L. Caiocca
EVP Regional Credit Executive
831.600.4046

Chris Illig

Chris Illig
VP Senior Relationship Manager
831.600.4003

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