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

Business Loan Harrisburg, North Carolina

 
Loan Census SBA Loan Info

Raising money in Harrisburg, North Carolina? If so, you'll want to talk to some of these small business lenders in Harrisburg.

We wrote this article for small business owners in Harrisburg, North Carolina who are interested in getting debt financing.

Local Harrisburg Business Lenders

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

Small Business Bank Recent SBA Loans
Bank Of The Carolinas 6
Central Carolina Bank - Harrisburg Office  
First Charter - Harrisburg Branch Locations- Financial Center Locations- Harrisburg Loca  

SBA Lenders for Harrisburg Businesses

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

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
10
Branch Bank & Trust
Winston Salem, NC
1
Capital One
Mclean, VA
1
Cit Small Business Lending Corp
Livingston, NJ
1
Coastal Fcu
Raleigh, NC
1
Comerica Bank
Dallas, TX
1
First Charter Bank
Concord, NC
1
Innovative Bank
Oakland, CA
3
Merrill Lynch Bank Usa
Salt Lake City, UT
1
Newtek Small Business Finance Inc.
New York, NY
1
Pnc Bank, National Association
Philadelphia, PA
2
Wachovia Bank
Charlotte, NC
1

Tips for Getting a Business Loan in Harrisburg

Before contacting banks for a loan, you will need to determine exactly what size loan you will be asking for.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, walk the banker through the planned use of proceeds, and show your ability to pay the money back to the bank.

Being able to present a well-written business plan is an important prerequisite. If the financing is to for an existing business, you should also have financial statements covering the last three years. Bankers will also want to know 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, the bank may ask you to to secure the business with your personal assets, such as stocks and bonds that you might own or life insurance policies. 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. Before you sit down to talk with a small business banker, you may want to get up to speed 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

Take the time to learn as much as you can about Raising Money. For starters, we suggest you read Getting a Small Business Loan.

More Business Loan Info for North Carolina
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Get a Business Loan in Havelock

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