From the first moment we walked in the door we knew Lighthouse Bank was different from other banks. They welcomed us with genuine interest, listened to our vision for our business and have supported us every step of the way.

Chef Kendra L. Baker & Zachary E. Davis

Owners, The Penny Ice Creamery

SBA Loans

Lighthouse Bank has been awarded Preferred Lender (PLP) status with the U.S. Small Business Administration (SBA).  As a Preferred Lender, we are permitted to make decisions on behalf of the SBA which significantly shortens the loan process. A variety of Small Business loan programs are available to assist small and medium sized businesses.  


Small Business Administration (SBA) 7 (a) Loan Program purposes include:

  • Start up Financing
  • Working Capital
  • Business Purchase
  • Purchase of Equipment or Inventory
  • Leasehold Improvements
  • Construction
  • Up to 90% financing for Owner-Occupied Commercial Real Estate purchases and construction
Small Business Administration 504 Loan Program
The 504 SBA loan program is a long term financing tool for economic development within a community and provides growing businesses with long-term fixed rate financing for major assets. Proceeds from the 504 loan program must be used for fixed asset projects such as:
  • Up to 90% financing to purchase owner-occupied real estate
  • Construction of new facilities, or modernizing, renovating or converting existing facilities
  • Purchasing long term machinery and equipment
Contact us for more information and let us find a business loan solution to meet your needs.
Kristin Ditlevsen
Senior Vice President
(831) 600-4006








Our Mission Statement:

Lighthouse Bank is committed to providing superior personalized banking products and services in Santa Cruz County. We are dedicated to creating financial benefit for our clients, professional growth for our employees and financial prosperity for our owners and community.