Loan Census Banking News and Information
April 20, 2021  
 
 
  Business Loan Information  
 

Aptos, California Small Business Loans

 
Loan Census SBA Loan Info

Small business loans in Aptos, California 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 Aptos, California, we've put together a list of local small business banks that you should contact.

Local Aptos Business Lenders

To assist you in finding a small business banker, here's our list of small business banks in Aptos.

Small Business Bank Recent SBA Loans
Bank Of America  

Lenders for Aptos Businesses

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

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
1
Capital One
Mclean, VA
2
Cit Small Business Lending Corp
Livingston, NJ
1
Coast Comm. Bank A Division -
Santa Cruz, CA
6
Comerica Bank
Dallas, TX
6
Comerica Bank
Santa Cruz, CA
1
Heritage Bank Of Commerce
San Jose, CA
5
Innovative Bank
Oakland, CA
1
Pacific City Bank
Los Angeles, CA
1
Pinnacle Bank
Morgan Hill, CA
1
Santa Cruz Community Cu
Santa Cruz, CA
3
Santa Cruz County Bank
Santa Cruz, CA
4
U.S. Bank National Association
Cincinnati, OH
3
Wachovia SBA Lending, Inc.
Roseville, CA
1
Wells Fargo Bank
San Jose, CA
2
Wilshire State Bank
Los Angeles, CA
1

Aptos Bank Loan Tips

As a prerequisite to meeting with banks 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 bank.

Being able to present a well-written business plan is essential. If the capital is to for a going concern, 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 you cannot repay the loan.

If the business has few assets, the bank may ask you to to pledge 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 are SBA lenders. Before meeting with the banker, you may want to read up on 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

Gaebler.com is a site that is dedicated to providing advice to entrepreneurs, and we have a lot of information pertaining to to Raising Money. For example, we would suggest you read Bank Credit Lines.

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