Loan Census Banking News and Information
March 28, 2024  
 
 
  Business Loan Information  
 

Ashland, Oregon Business Loan

 
Loan Census SBA Loan Info

Small business loans in Ashland, Oregon are available. You just need to talk to the right bank.

We wrote this article for small business owners in Ashland, Oregon who are interested in getting a small business loan.

Local Ashland Business Loan Sources

To help you learn more about local small business lenders, here's our list of small business banks in Ashland.

Small Business Bank Recent SBA Loans
Keybank - Keycenters- Ashland  
Klamath First - Ashland Branch  
People's Bank of Commerce  
Sterling Savings Bank  
U S Bank - Subsidiaries & Divisions- Investment  
Umpqua Bank - Ashland  
Washington Mutual - Bank Locations- Ashland  
Washington Mutual Home Loan Center  
Wells Fargo Bank NA - Branch Offices- Ashland  
Wells Fargo Home Mortgage  
Western Bank - Ashland Branch  

SBA Lenders for Ashland Businesses

This is a list of banks outside of Ashland, Oregon that have provided SBA loans to Ashland businesses. Some of these may be national banks with local branch locations.

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
6
Branch Bank & Trust
Winston Salem, NC
1
Business Loan Center, LLC
New York, NY
1
Business Loan Center, LLC
Richmond, VA
1
Business Loan Center, LLC
Wichita, KS
1
Capital One
Mclean, VA
5
Cit Small Business Lending Corp
Livingston, NJ
5
Keybank National Association
Cleveland, OH
6
People's Bank Of Commerce
Medford, OR
11
Silver State Bank
Henderson, NV
1
U.S. Bank National Association
Cincinnati, OH
4
Umpqua Bank
Roseburg, OR
1
United Western Bank
Denver, CO
1
Wachovia SBA Lending, Inc.
Roseville, CA
2
Washington Mutual Bank
Medford, OR
2
Wells Fargo Bank
San Jose, CA
5
Wells Fargo Bank
Sioux Falls, SD
1

Ashland Business Loan Advice

Prior to reaching out to lenders to get a bank loan, you will need to have a specific plan.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, define how the money will be used, and show your ability to pay the money back to the lender.

Being able to present a well-written business plan is essential. If the bank loan is to for a going concern, you should also have financial statements covering the last three years. In addition, you should itemize what collateral you have available to secure the loan. Collateral is relevant because banks always want to be prepared for a worst-case scenario in which cash flow from the business does not meet your projections.

If the business has few assets, you will likely be asked to secure the business with your personal assets, such as the equity in your home. The banks will check on your personal credit history in any case, so hopefully you have good credit history -- you may want to get a copy of your credit history prior to meeting with the banker.

Many of the banks in our list participate in the financial assistance programs available through the SBA. Prior to visiting local banks, you may want to do your homework on SBA loans programs to see if you qualify. SBA 7(a) loans, SBA 504 loans and SBA disaster assistance loans may be available to you.

Gaebler.com Advice on Raising Money

If you are planning on Raising Money, you need to get up to speed on the subject. If you haven't read it already, we recommend you review 504 Loans.

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