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

Small Business Lenders in Laguna Beach, California

 
Loan Census SBA Loan Info

Small business loans in Laguna Beach, California are available. You just need to talk to the right bank.

If you are hoping to get a small business loan and your business is based in Laguna Beach, California, we've assembled a list of local small business banks that you should contact.

Local Laguna Beach Business Lenders

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

Small Business Bank Recent SBA Loans
Bank Of America  

Banks that Lend to Laguna Beach Businesses

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

Small Business Bank Recent SBA Loans
1st Centennial Bank
Redlands, CA
1
American Security Bank
Santa Ana, CA
2
Banco Popular North America
New York City, NY
1
Bank Of America
Charlotte, NC
25
Business Loan Center, LLC
New York, NY
1
California Bank & Trust
Sacramento, CA
3
Capital One
Mclean, VA
5
Cb&t Bank Of Middle Georgia
Warner Robins, GA
1
Center Bank
Los Angeles, CA
1
Cit Small Business Lending Corp
Livingston, NJ
3
Citibank
Las Vegas, NV
6
Citibank
San Francisco, CA
2
Comerica Bank
Dallas, TX
6
Commercewest Bank
Newport Beach, CA
1
Community Bank
Pasadena, CA
1
Community W. Bank
Goleta, CA
1
First Bank
Huntington Beach, CA
1
First California Bank
Camarillo, CA
1
Fullerton Community Bank, FSB
Fullerton, CA
2
Internatl City Bank
Long Beach, CA
1
Mirae Bank
Los Angeles, CA
1
Nara Bank
Los Angeles, CA
1
Pacific City Bank
Los Angeles, CA
1
Pacific Western Bank
Escondido, CA
1
Saehan Bank
Los Angeles, CA
1
Security Bank Of California
Riverside, CA
1
South Cnty Bank
Rancho Santa Margarit, CA
11
Superior Financial Group, LLC
Walnut Creek, CA
2
Temecula Valley Bank
Temecula, CA
2
U.S. Bank National Association
Cincinnati, OH
6
Union Bank Of California
San Francisco, CA
5
Uniti Bank
Buena Park, CA
2
Ups Capital Business Credit
Windsor, CT
1
Wachovia SBA Lending, Inc.
Roseville, CA
2
Washington Mutual Bank
Henderson, NV
1
Wells Fargo Bank
San Jose, CA
19
Wells Fargo Bank
Sioux Falls, SD
1
Wells Fargo Bank
West Covina, CA
1

Business Loan Advice for Laguna Beach Businesses

Prior to contacting banks to get a bank 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 how you plan to pay the loan back to the bank.

Being able to present a well-written business plan is essential. If the bank 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 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 to guarantee the loan with 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 the banks in our list participate in the financial assistance programs available through the SBA. Prior to visiting local banks, 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

If you are serious about Raising Money, you need to learn as much as you can. If you haven't read it already, we recommend you review Angel Investors.

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