The struggle among banks for small-business loans and deposits has always been a tough market in San Diego, but Tory Nixon, senior vice president and national small business sales manager for California Bank & Trust, says it’s all about teamwork and competition.
The battle of the banks is generally good for small-business owners, since it puts pressure on banks to loosen their lending criteria, keeping rates and fees low.
One growth area for CB&T is in the remote deposit capture service for customers who want to deposit checks electronically from their own offices and avoid trips to the bank. By offering this service, CB&T can offer customers deeper lending and cash management relationships.
With local management and decision-making and an emphasis on relationship banking, CB&T stresses that it can provide a variety of products, resources and financing solutions for businesses and individuals, including wealth management, Internet banking, commercial and small business lending, cash management and international banking.
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