Loan Census Banking News and Information
September 30, 2020  
 
 
  Business Loan Information  
 

Darien, Georgia Small Business Loans

 
Loan Census SBA Loan Info

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

If you are planning on applying for a small business loan and your business is based in Darien, Georgia, we've assembled a list of local small business banks that you should contact.

Local Darien Banks

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

Small Business Bank Recent SBA Loans
Southeastern Bank 5
The Heritage Bank 1

SBA Lenders for Darien Businesses

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

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
1
Suntrust Bank
Brunswick, GA
1
Temecula Valley Bank
Temecula, CA
1

Darien Bank Loan Tips

As a prerequisite to reaching out to banks for a loan, you will need to have a specific plan.

You need to be able to clearly explain your business, explain how much you want to borrow, describe what the money will finance, and show your ability to pay the loan back to the bank.

Having a business plan is an important prerequisite. If the bank loan is to for an existing business, you should also have financial statements covering the last three years. You will also need to discuss 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 to guarantee the loan 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 these banks are SBA lenders. 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.

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