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

Small Business Lenders in La Jolla, California

 
Loan Census SBA Loan Info

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

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

Local La Jolla Business Loan Sources

Without further adieu, here's our list of small business banks in La Jolla.

Small Business Bank Recent SBA Loans
Bank Of America  
California Bank & Trust - Branch Offices- Carlsbad Village Office- LA J  
La Jolla Bank, FSB 67
Silvergate Bank 4
U.S. Bank National Association 8

Other Lending Resources for La Jolla Businesses

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

Small Business Bank Recent SBA Loans
1st Centennial Bank
Redlands, CA
1
1st Pacific Bank Of California
San Diego, CA
6
Alliance Bank
Culver City, CA
1
Banco Popular North America
New York City, NY
2
Bank Of America
Charlotte, NC
17
Borrego Springs Bank
Borrego Springs, CA
3
Business Loan Center, LLC
Panama City Beach, FL
3
California Bank & Trust
Sacramento, CA
6
Capital One
Mclean, VA
6
Citibank
Las Vegas, NV
1
Citibank
San Francisco, CA
2
Comerica Bank
Dallas, TX
2
Greater Bay Bank
Fremont, CA
1
Hanmi Bank
Los Angeles, CA
3
La Jolla Bank, FSB
Escondido, CA
1
Neighborhood National Bank
San Diego, CA
1
Pacific Western Bank
Coronado, CA
1
Pacific Western Bank
Rancho Santa Fe, CA
1
Pacific Western Bank
San Diego, CA
2
Saehan Bank
Los Angeles, CA
1
Security Business Bank - San Diego
San Diego, CA
1
U.S. Bank National Association
Cincinnati, OH
10
Union Bank Of California
San Francisco, CA
7
Vineyard Bank
Corona, CA
5
Washington Mutual Bank
Henderson, NV
3
Wells Fargo Bank
Carlsbad, CA
4
Wells Fargo Bank
San Jose, CA
12
Wells Fargo Bank
Sioux Falls, SD
3

Business Loan Advice for La Jolla Businesses

Before reaching out to lenders to discuss getting a bank 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 how you intend to to pay the loan back to the lender.

Having a business plan is essential. If the money 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 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. 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

Gaebler.com is a site that is all about aiding entrepreneurs, and we have a lot of resources related to to Raising Money. To learn more, one article that might be of interest to you is 504 Loans.

Business Loan Sources for Other Cities in California
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