Santa Cruz SBDCAptos, CA

Our Partners

The Santa Cruz Small Business Development Center network is funded by the U.S. Small Business Administration


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Founded in 2004, Santa Cruz County Bank is a full-service bank that specializes in building long-term relationships with small- to mid-sized businesses to help meet their financial needs. As a community bank, we are motivated to help local businesses succeed. That is the beauty of working with Santa Cruz County Bank - local knowledge with the entrepreneurial spirit that inspired us to start up a new bank in the first place.

With assets exceeding $1 billion, Santa Cruz County Bank is well positioned to help businesses get off the ground or springboard to the next level.  Our wide array of business accounts and services are designed to maximize efficiency for your business. When you cannot make it to the bank, Online Banking with Bill Pay, ACH & Wire transfer services, Mobile Banking with Mobile Deposit, Remote Deposit, Courier Service and Payment products bring the bank to you.

What especially sets Santa Cruz County Bank apart for startups in the Monterey Bay area is that we are one of only a handful of community banks in the country offering venture loans. Recognizing that traditional bank commercial and SBA lending does not always meet the needs of today’s entrepreneurs – especially in tech-enabled businesses – our venture lending group makes loans to early-stage companies that may not yet be cash-flow positive or are otherwise ineligible for SBA guarantees. Whether you need a bridge loan, growth loan, or working capital, Santa Cruz County Bank can help you hold on to more of your firm’s equity.  Santa Cruz County Bank is Member FDIC, Equal Housing Lender. Find out more at

Apply Now

It all starts here. Complete the application and submit your request. A member of the SBDC will follow up with you and help you achieve your small business goals -- at no cost to you.


As concerns continue about coronavirus (COVID-19), we’re here to help you navigate available resources, answer your business questions and be a trusted partner for your business
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Funded in part through a cooperative agreement with the U.S. Small Business Administration. All opinions, conclusions or recommendations expressed are those of the author(s) and do not necessarily reflect the views of the SBA or HSU Sponsored Programs Foundation.