First National Bank of Central California
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We have the sophistication and capacity of a major bank with the responsiveness of a local bank dedicated to serving our clients.

We offer a full array of financing services including:
  • Working Capital Lines of Credit
  • Term Loans for Capital Expansion
  • Accounts Receivable and Inventory Financing
  • Import and Export Financing
  • Structured Financing for Full and Partial Recapitalizations
  • ESOP Financing
  • Acquisition Financing
We have a dedicated group of experienced Relationship Managers who will take time to structure financing solutions to meet your company's needs. Our consultative Relationship Managers have the expertise and the local credit authority to evaluate your financing request promptly and deliver a speedy decision.

We are dedicated to serving the unique financing needs a variety of industries. Convenient visits to your company allow Relationship Managers to advise you on all aspects of corporate finance services including:
  • Financial Planning and Modeling
  • Industry Comparisons
  • Business Valuations
  • Advice on the Sale of Your Business
  • Business Ownership Succession Services
  • Interest Rate Risk Management (including swaps, caps, collars, forward rate commitments, and other derivative products)

 
 
Santa Barbara Bank & Trust, First National Bank of Central California, South Valley National Bank, San Benito Bank, and First Bank of San Luis Obispo are divisions of Pacific Capital Bank, N.A., member FDIC.

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