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

Bakersfield, California Small Business Loans

 
Loan Census SBA Loan Info

I need a loan for my business in Bakersfield, California! If that's what's on your mind, you've come to the right place.

If you are looking for a small business loan and your business is based in Bakersfield, California, we've assembled a list of local small business banks that you should contact.

Local Bakersfield Business Loan Sources

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

Small Business Bank Recent SBA Loans
American Prepaid Inc  
Bank Amerilease Group  
Bank Of America  
Bank of the Sierra  
Bank of the West  
Bob Clerico Realtor  
Borrego Springs Bank  
Brazzell Michael Agent  
Mission Bank 3
Rabobank, National Association 1
San Joaquin Bank 25

Other Lending Resources for Bakersfield Businesses

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

Small Business Bank Recent SBA Loans
Alliance Bank
Culver City, CA
1
Amegy Bank
Kingwood, TX
1
Banco Popular North America
New York City, NY
1
Bank - America California
Rancho Cordova, CA
3
Bank Of America
Charlotte, NC
116
Bank Of The Sierra
Exeter, CA
3
Bank Of The Sierra
Porterville, CA
43
Bank Of The West
Truckee, CA
1
Beach Business Bank
Manhattan Beach, CA
2
Borrego Springs Bank
Borrego Springs, CA
19
Bridge Bank
San Jose, CA
8
Business Loan Center, LLC
New York, NY
11
Business Loan Center, LLC
Panama City Beach, FL
11
Business Loan Center, LLC
Washington, DC
1
California Bank & Trust
Sacramento, CA
61
Capital One
Mclean, VA
35
Capital One Bank (usa)
Glen Allen, VA
4
Center Bank
Los Angeles, CA
3
Cit Small Business Lending Corp
Golden, CO
2
Cit Small Business Lending Corp
Livingston, NJ
9
Citibank
Las Vegas, NV
3
Citibank
San Francisco, CA
6
Citicapital Small Business Finance
Irving, TX
1
Citizens Business Bank
Ontario, CA
1
Coast National Bank
San Luis Obispo, CA
1
Comerica Bank
Dallas, TX
20
Comerica Bank
Houston, TX
1
Comerica Bank
San Jose, CA
1
Commonwealth Business Bank
Los Angeles, CA
4
Community W. Bank
Goleta, CA
19
County Bank
Merced, CA
2
El Dorado Savings Bank, F.s.b.
Placerville, CA
1
Excel National Bank
Beverly Hills, CA
2
First Bank
Chula Vista, CA
1
First California Bank
Camarillo, CA
1
First Standard Bank
Los Angeles, CA
4
Fullerton Community Bank, FSB
Fullerton, CA
1
Greater Bay Bank
Palo Alto, CA
1
Hanmi Bank
Los Angeles, CA
14
Heritage Bank Of Commerce
San Jose, CA
7
Independence Bank
East Greenwich, RI
1
Inland Commun Bank
Rialto, CA
2
Innovative Bank
Oakland, CA
30
Mirae Bank
Los Angeles, CA
6
Mission Oaks National Bank
Temecula, CA
1
Nara Bank
Los Angeles, CA
3
Newtek Small Business Finance Inc.
New York, NY
1
Pacific Cap. Bank
Santa Barbara, CA
2
Pacific City Bank
Los Angeles, CA
1
Pacific Western Bank
Escondido, CA
4
Pacific Western Bank
San Diego, CA
2
Rabobank, National Association
Arroyo Grande, CA
4
Rabobank, National Association
El Centro, CA
3
Ridgestone Bank
Brookfield, WI
1
Saehan Bank
Los Angeles, CA
1
South Cnty Bank
Rancho Santa Margarit, CA
1
Stearns Bank
Saint Cloud, MN
1
Telesis Community Cu
Chatsworth, CA
2
Temecula Valley Bank
Temecula, CA
11
U.S. Bank National Association
Cincinnati, OH
2
Union Bank Of California
San Francisco, CA
9
United Commercial Bank
San Francisco, CA
1
Uniti Bank
Buena Park, CA
2
Ups Capital Business Credit
Windsor, CT
3
Vision One Cu
Sacramento, CA
1
Wachovia SBA Lending, Inc.
Roseville, CA
5
Washington Mutual Bank
Henderson, NV
10
Wells Fargo Bank
Auburn, CA
1
Wells Fargo Bank
Carlsbad, CA
1
Wells Fargo Bank
San Jose, CA
42
Wells Fargo Bank
Sioux Falls, SD
14
Wells Fargo Bank, Ltd.
Los Angeles, CA
1
Wilshire State Bank
Los Angeles, CA
5

Bakersfield Bank Loan Tips

Before meeting with banks to discuss getting a bank loan, you will need to determine exactly what size loan you will be asking for.

You need to be able to clearly explain your business, explain how much you want to borrow, define how the money will be used, and show how you plan to pay the loan back to the bank.

A well-defined business plan is is critically important. If the money is to for an existing business, 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 to guarantee the loan 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 are SBA lenders. Before meeting with the 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

Our Gaebler.com site is passionate about providing advice to small business owners, and we have a lot of resources related to to Raising Money. For example, we would suggest you read 504 Loans.

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