Paycheck Protection Program (PPP) - SBA 7(a) CARES ACT Loans

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Paycheck Protection Program (PPP) - SBA 7(a) CARES ACT Loans

Important updates on the Paycheck Protection Program

The SBA has released loan forgiveness requirements for borrowers, which is in two segments:  over $50,000 and under $50,000.  We have  emailed an important communication to all PPP borrowers with next step information. If you missed a communication from us, please see the Recent Communications section on this page.

PPP Forgiveness Q & A

Q: What should I prepare before applying for loan forgiveness?
Prepare documents to verify how you used your loan. You can visit the SBA website for a comprehensive list of materials and loan forgiveness rules.
Decide which "Covered Period" applies to your business: Either 8 weeks or 24 weeks after your loan is disbursed.
Pick which "Reference Period" is best for your business: Either 2/15/2019 - 6/30/2019 or 1/1/2020 - 2/29/2020. If employees and payroll are consistent with your chosen "Reference Period," you can have up to 100% of your loan forgiven.

Q: When should I apply for loan forgiveness?
After the end of your "Covered Period", you will have 10 months to apply for loan forgiveness. Depending on when you received your loan, your "Covered Period" is either an 8 - or 24-week period after you received your loan funds.

Q: What happens while my loan forgiveness application is being processed?
All payments (principal, interest, and fees) will be deferred until you receive a decision on your loan forgiveness application. However, interest will continue to accrue over this period.

Q: How long does it take for my loan forgiveness application to be processed?
Once we receive your loan application, we will review it within 60 days, and then submit a decision to the SBA. The SBA has 90 days to review the submission.

Q: What happens if my entire loan is not forgiven?
For loans approved prior to June 5, 2020, any amount that is not forgiven will be treated as a two-year loan with a 1% fixed interest rate. For loans approved on or after June 5, 2020, any amount that is not forgiven will be treated as a five-year loan with a 1% fixed interest rate.

Q: What do I need to do to extend from 8 weeks to 24 weeks?
You will need to “opt in” for the 24 weeks. You can do so by logging in to the portal and adding this request to the “Notes” section. Due to a high volume of inquiries, we ask that you please do not call or email us with these requests, but log in and add this request to the notes in your loan file.

Q: Can I upload expense documentation now?
Yes, we recommend that you start this process as soon as possible.

Q: Who determines the amount of loan forgiveness?
The U.S. Treasury and Small Business Administration (SBA) are responsible for the rules of the program which determine the amount of loan forgiveness. This can include full, partial or no forgiveness. Please visit sba.gov

Q: To qualify for 100% forgiveness how much of my expenses need to be used on payroll?
60%. Originally SBA stated 75%; however, the rule was changed and all borrowers are eligible at the 60% level.

Q: What is the best place to get definitive information on the program?
We recommend getting your information on the program directly from the source. https://home.treasury.gov/policy-issues/cares/assistance-for-small-businesses

Q: I've read all the information and need further assistance. What do I do?
Your local Small Business Development Center has staff ready and eager to assist you. https://www.santacruzsbdc.org/about-santa-cruz-small-business-development-center-northern-california-sbdc-network

SBA PPP Forgiveness

(Download this information as a pdf)

Uploading documentation to ensure forgiveness

  1. Login to the Loan Portal: https://sccountybank-ppp-application.prod.apps.monjaco.com/portal/
  2. Select your Loan Application. - Status should read “Forgiveness Application in Progress"
    Screenshot of loan portal page showing your account summary
  3. Select "Required Items"
    Screenshot of loan portal showing 'Required Items' tab.
  4. Select "Loan Forgiveness: Document Uploads”
  5. Select the blue "Upload File" button
    Screenshot of loan portal showing the Upload File button
  6. An upload pop-up window will appear
    Screenshot of loan portal showing the document upload pop up window.
  7. Select the document type you will upload.
    Screenshot of loan portal showing the document type selection drop down.
  8. Enter the Payment Date. Day/Month/Year (DD/MM/YYYY)
  9. Enter the expense amount without symbols.
  10. Select "Select File", browse to the file on your device and select it.
  11. Select ‘Upload’.
  12. Upload additional documents by repeating steps 4-11.
  13. Review the Summary of Forgivable Expenses, below the upload button and forgiveness summary, to ensure we have captured your data.
    Screenshot of the loan portal file upload summary view
  14. Communicate errors, updates, or comments via the Note section below the file uploads.
    Screenshot of loan portal showing the form to add a note if needed.

Troubleshooting & FAQ

Q: I have uploaded a document, but it is not showing up on my Summary of Forgivable Expenses.
A: Be sure your document shows in the file list below the Summary of Forgivable Expenses and that the date falls within the correct date range, after your disbursement date and before the last week on the Summary of Forgivable Expenses.
Screenshot of loan portal showing a summary of forgivable expenses.

Q: The status of my uploaded document is ‘Not Accepted’, what do I do?
A: Any document marked as ‘Not Accepted’ will be followed up with a note from our processing team indicating the required corrections. Documents that are ‘Not Accepted’ do not inherently indicate forgiveness ineligibility.

Q: I uploaded the wrong document, what do I do?
A: Leave a note for our processing team and we will remove the document.

Q: I mistyped the date or expense amount, what do I do?
A: Leave a note for our processing team and we will update the document details.

Q: I have fulfilled my payroll requirements & uploaded all supporting expense documentation. What do I do next?
A: Our team will reach out to you with the next steps for completing your forgiveness application.

 

October 15, 2020:

You are receiving this communication because you have a Paycheck Protection Program (PPP) Loan with us. In light of recent updates and clarifications by the U.S. Small Business Administration (SBA) to the Paycheck Protection Program, we’d like to share some information with you. If you have a loan for $50,000.00 or less, the information below on Forgiveness does not apply to you. We will reach out to borrowers with loans of $50,000.00 or less with a different set of instructions.

Forgiveness Applications for Borrowers with Loans of more than $50,000.00:
We have opened the Loan Forgiveness Application section for you in the portal. This section mirrors the SBA 3508EZ and 3508 forms, which allows for efficient review and verification of your forgiveness application, as well as submittal of the forgiveness judgement to the SBA.

If you have not yet done so, please be sure you have submitted documentation supporting your eligible payroll costs of at least 60% and the remaining eligible 40% costs within the portal. Payroll can be used to support 100% of your loan amount.

Please note that we are using the verified supporting documentation that you have provided within the Loan Forgiveness: Document Uploads section of the portal. If you have calculated an amount for a specific eligible cost that is higher than what is displayed in the Document Uploads section, you will need to provide additional supporting documentation that must be verified before moving forward. Only verified documents will be counted in the column totals. Based on new SBA Guidance, this includes 941 tax forms for your covered loan period, proof of payment via bank statements and/or cleared checks if not using a third-party payroll provider. Additionally, a copy of your lease agreement is required if you are submitting rent as a non-payroll cost.

Important Information for Borrowers with EIDL Advances:
If you received an EIDL Advance, the SBA is required to reduce your loan forgiveness amount by the amount of the EIDL Advance (Section 1110(e)(6) of the CARES Act). If you received an EIDL Advance in excess of or equal to the amount of your PPP loan, you will not receive any forgiveness on the PPP loan because the amount of the EIDL Advance is deducted from the PPP loan forgiveness amount.

UPDATES TO YOUR DEFERRAL PERIOD:
Clarifications to the SBA Paycheck Protection Program state that if you submit to your lender a Loan Forgiveness Application within 10 months after the end of your loan forgiveness covered period, you will not have to make any payments of principal or interest on your loan before the date on which the SBA remits the loan forgiveness amount on your loan to your lender (or notifies your lender that no loan forgiveness is allowed). Your lender must notify you of remittance by the SBA of the loan forgiveness amount (or notify you that the SBA determined that no loan forgiveness is allowed) and the date your first payment is due. If the loan is fully forgiven, the borrower is not responsible for any payments.

If only a portion of the loan is forgiven, or if the Forgiveness Application is denied, any remaining balance due on the loan must be repaid by the borrower on or before the maturity date of the loan. The borrower is responsible for paying the accrued interest on any amount of the loan that is not forgiven. Interest accrues during the time between the disbursement of the loan and SBA remittance of the forgiveness amount.

If you do not submit to your lender a Loan Forgiveness Application within 10 months after the end of your loan forgiveness covered period, you must begin paying principal and interest after that period.

For example, if a borrower's PPP loan is disbursed on June 25, 2020, the 24-week period ends on December 10, 2020. If the borrower does not submit a Loan Forgiveness Application to its lender by October 10, 2021, the borrower must begin making payments on or after October 10, 2021.

A complete Q&A from the U.S. Small Business Administration regarding the deferral period is available through this link: SBA PPP Loan Forgiveness FAQs - August

While we do our best to present clear and accurate information to you from the SBA they are ultimately responsible for the rules of the program and they can change them at any time. Any discrepancy between our communications and the SBA’s interpretation of the program will be governed by the SBA's guidance.

Please let us know if you have any questions by contacting: caresloans@sccountybank.com.

Thank you,

Santa Cruz County Bank


October 15, 2020:

You are receiving this communication because you have a Paycheck Protection Program (PPP) Loan with us. In light of recent updates and clarifications by the U.S. Small Business Administration (SBA) to the Paycheck Protection Program, we'd like to share some information with you.

Forgiveness Applications for Borrowers with Loans of $50,000.00 or less:
The release of a new forgiveness application, 3508S, for borrowers with loans of $50,000 or less, provides you streamlined access to forgiveness. This new application requires fewer calculations and less documentation for eligible borrowers. Additionally, borrowers who use the SBA Form 3508S are exempt from reduction in loan forgiveness amounts based on reduction in full-time equivalent (FTE) employees or in salaries or wages.

We are working diligently to open the Loan Forgiveness Application section in the portal to provide you access to the 3508S application. Once available, we will have many of the fields prefilled for your convenience. Once the application is available, we will notify you. You can then login to the portal, complete outstanding fields, review, sign, and submit the application.

If you have not yet done so, please be sure to submit documentation supporting your eligible payroll costs of at least 60% and the remaining eligible 40% costs within the portal. Payroll can be used to support 100% of your loan amount.

Please note that we are using the verified supporting documentation that you have provided within the Loan Forgiveness: Document Uploads section of the portal. If you have calculated an amount for a specific eligible cost that is higher than what is displayed in the Document Uploads section, you will need to provide additional supporting documentation that must be verified before moving forward. Only verified documents will be counted in the column totals. Based on new SBA Guidance, this includes 941 tax forms for your covered loan period, proof of payment via bank statements and/or cleared checks if not using a third-party payroll provider. Additionally, a copy of your lease agreement is required if you are submitting rent as a non-payroll cost.

Important Information For Borrowers with EIDL Advances:
If you received an EIDL Advance, the SBA is required to reduce your loan forgiveness amount by the amount of the EIDL Advance (Section 1110(e)(6) of the CARES Act). If you received an EIDL Advance in excess of or equal to the amount of your PPP loan, you will not receive any forgiveness on the PPP loan because the amount of the EIDL Advance is deducted from the PPP loan forgiveness amount.

UPDATES TO YOUR DEFERRAL PERIOD:
Clarifications to the SBA Paycheck Protection Program state that if you submit to your lender a Loan Forgiveness Application within 10 months after the end of your loan forgiveness covered period, you will not have to make any payments of principal or interest on your loan before the date on which SBA remits the loan forgiveness amount on your loan to your lender (or notifies your lender that no loan forgiveness is allowed). Your lender must notify you of remittance by the SBA of the loan forgiveness amount (or notify you that the SBA determined that no loan forgiveness is allowed) and the date your first payment is due. If the loan is fully forgiven, the borrower is not responsible for any payments.

If only a portion of the loan is forgiven, or if the Forgiveness Application is denied, any remaining balance due on the loan must be repaid by the borrower on or before the maturity date of the loan. The borrower is responsible for paying the accrued interest on any amount of the loan that is not forgiven. Interest accrues during the time between the disbursement of the loan and the SBA remittance of the forgiveness amount.

If you do not submit to your lender a Loan Forgiveness Application within 10 months after the end of your loan forgiveness covered period, you must begin paying principal and interest after that period.

For example, if a borrower's PPP loan is disbursed on June 25, 2020, the 24-week period ends on December 10, 2020. If the borrower does not submit a Loan Forgiveness Application to its lender by October 10, 2021, the borrower must begin making payments on or after October 10, 2021.

A complete Q&A from the U.S. Small Business Administration regarding the deferral period is available through this link: SBA PPP Loan Forgiveness FAQs - August

While we do our best to present clear and accurate information to you from the SBA they are ultimately responsible for the rules of the program and they can change them at any time. Any discrepancy between our communications and the SBA's interpretation of the program will be governed by the SBA's guidance.

Please let us know if you have any questions by contacting: caresloans@sccountybank.com.

Thank you,

Santa Cruz County Bank


July 27, 2020:

Hello,

We know you are eager for updates on the PPP Forgiveness Application process, so are we. At this time, the Small Business Administration (SBA) is not yet processing applications and is continuing to finalize the forgiveness requirements.

For now, we want to make you aware of a few things you can do to prepare. Below is some guidance on what to expect in the future. We encourage you to check our website for the most up-to-date information. And, we will certainly let you know when you can apply online for forgiveness through the loan portal.

What can I do now to prepare for the forgiveness application?
Prepare documents to verify how you used your loan. You can visit the SBA’s website for a comprehensive list of materials and forgiveness rules.

Decide which "Covered Period" applies to your business. Either 8 weeks or 24 weeks after your loan was disbursed.

Here’s what to expect in the future:
You will have 10 months to apply for loan forgiveness after the end of your "Covered Period." Depending on when you received your loan, your "Covered Period" is either an 8 or 24-week period after you received your PPP loan funds.

We are currently waiting on SBA to open their forgiveness application process to lenders.  Once they have, we will communicate the process to you. Then, once we receive your loan application, we will review it within 60 days, and then submit a decision to the SBA. The SBA will then have 90 days to review the submission.

For loans approved prior to June 5, 2020, any amount that is not forgiven will be treated as a two-year loan with a 1% fixed interest rate. For loans approved on or after June 5, 2020, any amount that is not forgiven will be treated as a five-year loan with a 1% fixed interest rate.

Again, we will be in communication with you once the SBA has determined and finalized forgiveness requirements.


July 7, 2020:

The Small Business Administration and Treasury Department have announced that they will publicly release certain information about PPP borrowers.

For loans of $150,000 or more, the data released includes business names, addresses, NAICS codes, ZIP codes, business type, demographic data, non-profit information, jobs supported, lender name, and dollar ranges for loan amounts. Dollar amounts are being disclosed in ranges of $150,000-$350,000, $350,000-$1 million, $1 million-$2 million, $2 million-$5 million, and $5 million-$10 million. Loans of $150,000 and up account for nearly three-quarters of the dollar volume of PPP loans.

For loans below $150,000, the agencies will not release business names but will report loan totals, aggregated by ZIP code, by industry, by business type, and by various demographic categories. The agencies have noted that PPP borrower applications disclose that this information could become public.

Santa Cruz County Bank is not voluntarily releasing this information and is not calling for its publication. The decision to publish PPP borrower and loan information is a result of actions from Congress and the SBA and Treasury, which oversee and administer the PPP and are responsible for the program’s implementation, terms, and conditions. We are proud to participate in the PPP and help businesses navigate this challenging COVID-19 environment.


June 23, 2020:

Subject: Important Updates, PPP Expense and Forgiveness Reporting Instructions

Hello!

We are writing to inform you of next steps and updates to our Paycheck Protection Program Loan Portal to help you facilitate expense reporting and forgiveness with the SBA.

The good news is you have not missed any deadlines. While you have plenty of time to complete this process, we are pleased to provide you a real time expense tracking system to upload clear, concise, and accurate documents to engage you early. We are here to help make your expense reporting and forgiveness as simple and accessible as possible.

IMPORTANT STEPS:

Login to Portal: https://sccountybank-ppp-application.prod.apps.monjaco.com/portal/
Now, after your login to the Loan Portal, your application status will read, “Forgiveness Application in Progress”. When you visit the “Required Items” section of your application, you will see the “Loan Forgiveness: Document Uploads Section”. Similar to the application process, the Forgiveness process describes the documents needed to ensure your loan is forgiven.

Upload Documentation:
You will be asked to categorize each document you upload, and provide details about that document, including the date of the expense and the dollar amount. Each time you upload a document, the associated expenses will preliminarily populate your Summary of Forgivable Expenses Table. This Summary Table will help you keep track of your targets for forgiveness and cumulative eligible expenses uploaded to date.

FAQ & Support:
A visual “How To” guide is available to help you navigate the expense reporting and forgiveness process at: PPP Loan Forgiveness Guide

If you experience any errors, confusion, or problems, we are available to help!
Email us: caresloans@sccountybank.com.


April 24, 2020:
Lawmakers have approved an additional $320 billion in funding for the lapsed Paycheck Protection Program.  New guidance from the US Small Business Administration has been issued which states that companies applying for coronavirus relief funds must certify that the loans are necessary and that they cannot tap other sources of funding. 


April 16, 2020:
The Small Business Administration has stopped accepting applications for Paycheck Protection Program loans as the processed loan volume has reached the $349 billion level authorized by the CARES Act. The available funds have been exhausted, therefore SBA will no longer accept applications from lenders to make PPP loans.

We are awaiting word on whether lawmakers will be extending funds for the CARES Act Loan programs.

We are continuing work to process our existing queue of applications so we can be ready. If you have applied through us, we’ll contact you with questions and email you once we determine whether additional funding is available.

Determining the difference between these loan programs may be confusing.  To help you understand, we have summarized the primary differences between the two SBA loan programs in the chart below.  

  Paycheck Protection Program (PPP) - SBA 7(a) CARES ACT Economic Injury Disaster Loan (EIDL)
Maximum Loan Amount $10,000,000 $2,000,000
Forgivable Amount Up to the principal balance for loan proceeds used for qualified purposes $0
Interest Rate 1% 3.75% for For-Profit Companies
2.75% for Non-Profit Companies
Fees $0 $0
Maximum Loan Term 2 Years 30 years
Prepayment Penalty $0 $0
When is first payment due? 6th to 12th month 5th month
Collateral None, Unsecured Available collateral will be considered
Guarantees No Guarantees required Owners 20% or more of the company will guarantee
What can proceeds be used for? Payroll support, mortgage payments, rent, utilities, insurance, and other debt payments incurred before 2/15/2020 Economic loss caused by the COVID pandemic
Who Processes and Funds Santa Cruz County Bank Federal Government
Approval Time 1-3 Days 30-45 Days

Who Is Eligible?

  • Small businesses, 501(c)(3) nonprofit, a 501(c)(19) veteran’s organization, or Tribal business described in section 31(b)(2)(C) of the Small Business Act with not more than 500 employees, or the applicable size standard for the industry as provided by SBA, if higher.
  • Sole-proprietors, independent contractors, and other self-employed individuals as eligible for loans.
  • Businesses with more than one physical location qualify so long as total combined employees are below 500 employees (unless the businesses operated under NAICS code beginning with 72) or otherwise meet the SBA’s size standard based on NAICS code.
  • Waives affiliation rules for businesses in the hospitality and restaurant industries, franchises that are approved on the SBA’s Franchise Directory, and small businesses that receive financing through the Small Business Investment Company (SBIC) program.
  • Applies current SBA affiliation rules to eligible nonprofits.

What is needed to determine Eligibility?

Business must be operational as of February 15, 2020 and had employees for whom it paid salaries and payroll taxes, or a paid independent contractor.

How do you calculate the total loan amount?

Average eligible monthly payroll costs, excluding compensation above $100,000 in wages (based on prior 12 months) multiplied by 2.5 (represents months) or $10 million whichever is less.

What is the allowable use of proceeds?

Allowable uses of the loan include eligible payroll support (eligible employee salaries which excludes compensation above $100,000 in wages, paid sick or medical leave, insurance premiums), interest paid on a mortgage (excludes any prepayment of or payment of principal) or rent, and utility payments.

Is it true I won't have to pay back my loan?

  • The borrower is eligible for loan forgiveness equal to the amount spent by the borrower during an 8-week period after the origination date of the loan on eligible payroll costs, interest payments on any mortgage incurred prior to February 15, 2020 (excludes principal and prepayments), payment of rent on any lease in force prior to February 15, 2020, and payment on any utility for which service began before February 15, 2020. Amounts forgiven may not exceed the principal amount of the loan.
  • Forgiveness on a covered loan is equal to the sum of the following:
    • Eligible payroll costs (excludes compensation above $100,000 in wages) incurred during the covered 8 week period compared to the previous year or time period, proportionate to maintaining employees and wages: eligible payroll costs
    • Plus any payment of interest on any covered mortgage obligation (excludes any prepayment of or payment of principal on a covered mortgage obligation)
    • Plus any payment on any covered rent obligation + and any covered utility payment.
  • The amount forgiven will be reduced proportionally by any reduction in employees retained compared to the prior year and reduced by the reduction in pay of any employee beyond 25 percent of their prior year compensation. To encourage employers to rehire any employees who have already been laid off due to the COVID-19 crisis, borrowers that re-hire workers previously laid off will not be penalized for having a reduced payroll at the beginning of the period.
  • Canceled indebtedness resulting from this section will not be included in the borrower’s taxable income.
  • Any loan amounts not forgiven at the end of one year are carried forward as an ongoing loan with terms of a max of 10 years at 4% interest.

What is the term of the loan?

2 year amortizing loan with no prepayment penalties. Payments on this SBA 7(a) loan can be deferred for 6 months to a year.

What are the interest rate and SBA guarantee fees for this loan?

The rate is 1% and SBA is waiving the guarantee fee.

What collateral is required?

The loan will be unsecured.

Are personal guarantees required?

No

Is the Credit Elsewhere Rule enforced?

No

Other Conditions and Requirements

  • Cannot apply for any other programs through the SBA for the same purpose.
  • Eligible borrowers will be required to make a good faith certification that the loan is necessary due to the uncertainty of current economic conditions caused by COVID-19; they will use the funds to retain workers and maintain payroll, lease, and utility payments; and are not receiving duplicative funds for the same uses from another SBA program.

What will be the Required Application Document Checklist?

Below is a list of documents that will likely be needed to process the SBA 7 (a) CARES Act Loan

  • Completed Application
  • SBA Form 1919.
  • Articles of Incorporation/Organization of each borrowing entity
  • By Laws/Operating Agreement of each borrowing entity
  • All owners Driver’s Licenses
  • Payroll Expense verification documents to include: IRS Form 940 and 941
  • Payroll Summary Report with corresponding bank statement
  • If a Payroll Summary Report is not available, Employee Pay Stubs as of February 15, 2020 (or corresponding period) with corresponding bank statement, and, breakdown of payroll benefits (vacation, allowance for dismissal, group healthcare benefits, retirement benefits, etc.)
  • 1099s (if Independent Contractor)
  • Certification that all employees live within the United States. If any do not, provide a detailed list with corresponding salaries of all employees outside the United States
  • Trailing twelve-month profit and loss statement (as of the date of application) for all applicants
  • Most recent Mortgage Statement or Rent Statement (Lease)
  • Most recent Utility Bills (Electric, Gas, Telephone, Internet, Water)

 

SBA Lender

Approved to offer SBA loan products under SBA's Preferred Lender program.

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Santa Cruz County Bank has no control over information at any site hyperlinked to or from this site. Santa Cruz County Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Santa Cruz County Bank of any information in any hyperlinked site. In no event shall Santa Cruz County Bank be responsible for your use of a hyperlinked site.

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Big Brothers, Big Sisters

"The funds we are receiving from Santa Cruz County Bank through the PPP loan program allow us to retain staff at a time when we are not able to hold our largest fundraiser of the year. This loan allows us to support the youth and families in our program during the crisis by providing our services virtually so that isolated and at-risk youth stay connected and are supported. This funding allows us to pivot in how we are providing services and how we will raise funds moving forward in these uncertain times. We are grateful and thankful to the Bank for their tireless commitment to businesses including nonprofits at this time - numerous businesses in our county are benefiting as a direct result and ultimately our entire community benefits."

- Aimee Mangan, Executive Director, Big Brothers Big Sisters, Santa Cruz County

Habitat for Humanity

"Habitat Monterey Bay is humbled by the generosity of SC County Bank and their commitment to this community. It has been truly a pleasure working with their caring team on our PPP loan, WISH program for homeowner mortgage financing, and corporate sponsorships over the past 10+ years. Their support brings an ease to dealing with stressful transactions that really sets them apart."

- Betsy Powers, Resource Development Director, Habitat for Humanity Monterey Bay

Workbench

"We have known for a long time that Santa Cruz County Bank was unparalleled in their customer service and commitment to their local business community. Even with that knowledge, their hard work and dedication during this time has gone above and beyond. They are working so hard every day to ensure that the rest of us can keep working too. They are truly an incredible partner to this community and our local businesses."

-Jamileh Cannon, Founding Partner & Principal Architect, Workbench

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