Loan Census Banking News and Information
April 23, 2021  
 
 
  Business Loan Information  
 

Business Loan El Cajon, California

 
Loan Census SBA Loan Info

Getting a business loan in El Cajon, California seems challenging at first, but we're here to help you get started.

This article is written specifically for small business owners in El Cajon, California who are interested in getting a bank loan.

Local El Cajon Business Lenders

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

Small Business Bank Recent SBA Loans
Balboa Check Protector CO  
Bank Of America  
Bank of the West  
California Bank & Trust - El Cjn- Branch Offices- Carlsbad Village Office- El C  

SBA Lenders for El Cajon Businesses

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

Small Business Bank Recent SBA Loans
1st Pacific Bank Of California
San Diego, CA
1
1st Pacific Bank Of California
Solana Beach, CA
3
Banco Popular North America
New York City, NY
1
Bank - America California
Rancho Cordova, CA
1
Bank Of America
Charlotte, NC
39
Bank Of The West
La Mesa, CA
3
Bank Of The West
Salt Lake City, UT
3
Borrego Springs Bank
Borrego Springs, CA
1
Business Loan Center, LLC
New York, NY
3
Business Loan Center, LLC
Panama City Beach, FL
7
California Bank & Trust
Sacramento, CA
32
California Bank & Trust
San Diego, CA
7
California Oaks State Bank
Thousand Oaks, CA
1
Capital One
Mclean, VA
17
Center Bank
Los Angeles, CA
1
Cit Small Business Lending Corp
Livingston, NJ
5
Citibank
Las Vegas, NV
1
Citibank
San Francisco, CA
4
Comerica Bank
Dallas, TX
10
Comerica Bank
Menlo Park, CA
1
Community W. Bank
Goleta, CA
1
Discovery Bank
San Marcos, CA
1
First Bank
Chula Vista, CA
3
First Bank
Huntington Beach, CA
2
First Business Bank
Ramona, CA
7
First National Bank - Southern Calif
San Marcos, CA
6
Frontier Bank, FSB
Park City, UT
1
Fullerton Community Bank, FSB
Fullerton, CA
2
Gateway Business Bank
Cerritos, CA
2
Ge Cap. Small Business Finan Corp
St. Louis, MO
1
Innovative Bank
Oakland, CA
3
Internatl City Bank
Long Beach, CA
2
La Jolla Bank, FSB
Escondido, CA
5
La Jolla Bank, FSB
La Jolla, CA
7
Lehman Brothers Bank, FSB
Wilmington, DE
5
Neighborhood National Bank
San Diego, CA
28
Pacific Cap. Bank
Santa Barbara, CA
6
Pacific City Bank
Los Angeles, CA
1
Pacific Western Bank
Carlsbad, CA
1
Pacific Western Bank
Coronado, CA
2
Pacific Western Bank
Escondido, CA
1
Pacific Western Bank
La Mesa, CA
1
Pacific Western Bank
Rancho Santa Fe, CA
5
Pacific Western Bank
San Diego, CA
4
Pacific Western Bank
Santee, CA
11
Rabobank, National Association
El Centro, CA
1
Seacoast Commerce Bank
Chula Vista, CA
2
Security Business Bank - San Diego
San Diego, CA
1
Security Pacific Bank
Los Angeles, CA
1
Sunrise Bank Of Arizona
San Diego, CA
1
Temecula Valley Bank
Temecula, CA
2
U.S. Bank National Association
Cincinnati, OH
15
Union Bank Of California
San Francisco, CA
23
Uniti Bank
Buena Park, CA
2
Ups Capital Business Credit
Windsor, CT
1
Vineyard Bank
Corona, CA
7
Wachovia SBA Lending, Inc.
Roseville, CA
7
Washington Mutual Bank
Henderson, NV
14
Wells Fargo Bank
Auburn, CA
1
Wells Fargo Bank
Carlsbad, CA
8
Wells Fargo Bank
San Jose, CA
28
Wells Fargo Bank
Sioux Falls, SD
4
Wilshire State Bank
Los Angeles, CA
1

Tips for Getting a Business Loan in El Cajon

As a prerequisite to contacting banks for a loan, you will need to develop the specifics of your loan request.

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.

Being able to present a well-written business plan is is critically important. If the loan is to for a company that is already doing business, you should also have financial statements covering the last three years. Bankers will also want to know what collateral you have available to guarantee 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 pledge your personal assets, such as your individual retirement account or pension plan. 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 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

Invest the time to learn as much as you can about Raising Money. To get the ball rolling, we recommend you read 504 Loans.

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