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

Bluffton, South Carolina Business Loan

 
Loan Census SBA Loan Info

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

This article is written specifically for small business owners in Bluffton, South Carolina who are interested in getting a bank loan.

Local Bluffton Lenders

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

Small Business Bank Recent SBA Loans
Bank Of America  
BB & T - Bluffton Office- ATM Location  
First Citizens Bank  
First South Bank  
Liberty Savings Bank FSB - Bluffton  
Liberty Savings Bank FSB - Okatie  
Lighthouse Community Bank  
National Bank of South Caroling NBSC - Bluffton  
Regions Financial  
South Carolina Bank & Trust Natl 9
South Carolina Bank and Trust  
Wachovia  

Banks that Lend to Bluffton Businesses

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

Small Business Bank Recent SBA Loans
Banco Popular North America
New York City, NY
2
Bank Of America
Charlotte, NC
11
Branch Bank & Trust
Savannah, GA
1
Branch Bank & Trust
Winston Salem, NC
1
Business Devel Corp - So. Caro
Columbia, SC
5
Capital One
Mclean, VA
3
Carolina First Bank
Hilton Head Island, SC
1
Cit Small Business Lending Corp
Livingston, NJ
2
Coastalstates Bank
Hilton Head Island, SC
1
Colony Bank Southeast
Douglas, GA
1
Comerica Bank
Auburn Hills, MI
1
Commerce Bank
Philadelphia, PA
1
Community W. Bank
Goleta, CA
1
Compass Bank
Birmingham, AL
1
Darby Bank & Trust
Savannah, GA
1
First Cit. Bank & Trust Inc
Columbia, SC
1
First Fed. S & L Assoc - Charl
Charleston, SC
3
First Fed. S & L Assoc - Charl
Hilton Head Island, SC
3
First National Bank
Savannah, GA
1
First National Bank Of Arizona
Scottsdale, AZ
1
Lowcountry National Bank
Beaufort, SC
2
Merrill Merchants Bank
Bangor, ME
3
Queensborough National Bank & Trust
Statesboro, GA
2
Stearns Bank
Saint Cloud, MN
1
Suntrust Bank
Atlanta, GA
1
Suntrust Bank
Richmond, VA
1
Unity Bank
Clinton, NJ
1
Wachovia Bank
Charlotte, NC
1
Wachovia Bank
Winston Salem, NC
1
Wachovia SBA Lending, Inc.
Roseville, CA
1

Bluffton Business Loan Advice

Before meeting with lenders 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 lender.

Being able to present a well-written business plan is is critically important. If the capital 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 you cannot repay the loan.

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 look at your personal credit report 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 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

If you are serious about Raising Money, you need to educate yourself. If you haven't read it already, we recommend you review Choosing VC Firms.

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