UCSB does not have a Business school nor a Business Admin/Financemajor. They offer Economics and Econ with Accounting. I agree that you should add UCR for their Business Admin major and consider Cal state Fullerton along with the other Cal states mentioned by @NCalRent.
For a Reach school, I would apply to UCB if you continue to do well Junior year.
The UC’s have not made a determination on if they are going test optional or test blind for the next admission cycle along with the Cal states so continue to prep for the SAT.