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Personal Credit and Loans

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Business First Personal Mastercard

A Business First MasterCard is one of the keys to financial freedom offering a competitive interest rate and accepted like cash at more than 9 million locations around the globe and in cyberspace. It can also be used for cash advances at more than 200,000 locations worldwide. Included in this family of credit products are the Business MasterCard, Gold MasterCard, and Standard MasterCard.For our customers that like the convenience of a credit card, but do not want to pay the associated interest rates, we also offer the Business First Visa CheckCard (debit card) that looks like a credit card but works like a check and ATM card combined.

Why wait for financial freedom? Ask today about a Business First credit/debit card application. It's just another way we're focused on you and your business.

Money Plus Credit Line & Overdraft Protection

A ready line of credit is important to your business success as well as to your personal financial freedom. Without it, a cash flow shortfall can put your business operations on hold. With Business First's Money Plus Line, however, that problem is solved.

Business First's Money Plus Credit Line ensures the validity of the checks you write — up to the credit limit on the account. Moreover, it is undoubtedly the easiest credit line you'll ever have—or need. In addition to writing a check, access to your credit line is available through online banking or a quick visit to a Business First Office

Home Equity Loans & Lines of Credit

A Business First Home Equity Line of Credit is a ready and low-cost source of cash that can be used for either business or personal reasons. The interest rate is far below most credit cards, and in most instances, the interest is tax-deductible.

A Business First Home Equity Line of Credit is also convenient: just write a check to activate it or transfer the money to your checking account via the Internet or Telephone Banking. Plus, interest-only payments can be deducted automatically from your checking account.

In short, a Business First Home Equity Line of Credit is the easiest and most cost-effective means of focusing on your next major project.

Construction Loans

A dream deferred is a dream denied. Why wait to build your dream home or business locality, when you can get it under way immediately with a Business First Construction Loan? Construction loans can be structured up to a maximum of 18 months, and interest reserves can be built right into the loan amount. You use the bank's money to build your dream. Business First can also provide the permanent financing.

A Business First Construction Loan is a convenient and affordable way to finance your next construction project. Ask one of our knowledgeable employees for more information on a Business First Construction Loan.

testb-First Manufactured Home Loans

Introducing a New, Local & Experienced Source for Manufactured Home Loans

  • Providing portfolio loan options
  • Competitive interest rates & fees
  • Cash out refinancing available
  • Quick loan application response

Serving the entire Tri-Counties

  • San Luis Obispo County
  • Santa Barbara County
  • Ventura County
b-First Manufactured Home Loans

Barbara Caballero-Muňoz

Locally Experienced MHL Lender
Barbara Caballero-Muňoz
1035 State Street, Santa Barbara
info@businessfirst.com
Phone: 805-899-4300

EHL

Other Personal Financing

Business First Loans are made from scratch to suit your purpose.  Let us know what you might want to accomplish and we will recommend the best way to finance it…. whether or not it involves a loan with us.

Equal Housing Oportunity, Member FDIC
Business First Bank is a division of Heritage Oaks Bank, member FDIC.