73% of commercial loan applications stall because borrowers contact lenders without the right documentation ready. When you contact business loan broker Santa Maria at Myrtle Commercial Capital, you speak with an advisor who trades in trade-offs, not pitches.
How it works
Reach Myrtle Commercial Capital at (805) 881-6790 during business hours, Monday through Friday, 9:00 AM to 5:00 PM Pacific. Our office sits at 528 S Broadway, Santa Maria, CA 93454, two blocks south of the Santa Maria Public Library and directly across from the historic Santa Maria Inn. We serve Santa Maria, Orcutt, Nipomo, Tanglewood, Guadalupe, Casmalia, and Sisquoc. Most initial consultations run 20 to 30 minutes; we walk through your financing need, review your industry's typical approval profile, and map out two or three product structures worth modeling. No email intake, phone calls let us ask clarifying questions in real time and catch red flags early.
Gather three years of business tax returns, interim profit-and-loss statements for the current year, a current balance sheet, and a debt schedule showing every existing loan or lease obligation. If you're seeking equipment financing, have the vendor quote and equipment specs ready. For commercial real estate, pull your property address and the most recent appraisal or assessed value. Agriculture operators in the Santa Maria Valley, strawberry growers, vineyard managers, cold-storage facilities, should also note seasonal revenue swings and any USDA program participation. The more complete your file, the faster we can get a loan quote and talk to an advisor about structures that fit your balance sheet. Visit our Santa Maria business loans page for industry context, or read our About page to understand how we broker, not lend.
What happens on the first call? We review your financing need, confirm your industry and revenue profile, identify which loan programs match your collateral and credit position, and outline documentation requirements. Most calls conclude with a clear go/no-go recommendation and a timeline.
Do you charge upfront fees? Myrtle Commercial Capital earns compensation from the lender at closing. We do not collect application fees, but some loan programs carry third-party costs such as appraisals, environmental reports, or SBA packaging fees that you pay directly to vendors.
Can you meet in person? Yes. Our Broadway office accommodates in-person consultations by appointment. Many Orcutt and Nipomo clients prefer a face-to-face review of financial statements, especially for commercial real estate or multi-unit equipment purchases.
How quickly will I hear back? Initial feasibility feedback typically arrives within one business day of your call. Full underwriting timelines vary by product: working capital and invoice factoring move in days, SBA 7(a) loans in weeks, commercial real estate in four to eight weeks depending on appraisal and environmental review.
Get in touch
Monday, Friday: 9:00 AM, 5:00 PM Pacific Address: 528 S Broadway, Santa Maria, CA 93454 Phone: (805) 881-6790
Street parking along Broadway is metered; the city parking structure on Cook Street offers two-hour validation for downtown visitors. Our office is a six-minute drive from the Santa Maria Airport and ten minutes south of Orcutt via Highway 135.
Reach us
Prefer to talk it through first? Call a local advisor and we will ask a few questions about your business, then let you know whether your profile fits commercial programs.
We are a broker, not a lender. There is no cost to apply and no obligation.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Santa Maria owners trust Myrtle Commercial Capital
