Loan Census Banking News and Information
April 21, 2021  
 
 
  Business Loan Information  
 

Small Business Lenders in Los Banos, California

 
Loan Census SBA Loan Info

I need a loan for my business in Los Banos, 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 Los Banos, California, we've assembled a list of local small business banks that you should contact.

Local Los Banos Lenders

Without further adieu, here's our list of small business banks in Los Banos.

Small Business Bank Recent SBA Loans
Bank Of America  

Banks that Lend to Los Banos Businesses

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

Small Business Bank Recent SBA Loans
Bank - America California
Rancho Cordova, CA
1
Bank Of America
Charlotte, NC
9
Bank Of The West
Truckee, CA
1
Branch Bank & Trust
Winston Salem, NC
1
Bridge Bank
San Jose, CA
1
Business Loan Center, LLC
New York, NY
1
Capital One
Mclean, VA
1
Comerica Bank
Dallas, TX
1
County Bank
Merced, CA
3
First Western Sblc, Inc
Dallas, TX
1
Heritage Bank Of Commerce
San Jose, CA
9
Inland Commun Bank
Rialto, CA
1
Innovative Bank
Oakland, CA
2
Sterling Savings Bank
Santa Rosa, CA
1
Tamalpais Bank
San Rafael, CA
1
U.S. Bank National Association
Cincinnati, OH
1
Union Bank Of California
San Francisco, CA
1
Wachovia SBA Lending, Inc.
Roseville, CA
1
Washington Mutual Bank
Henderson, NV
2
Wells Fargo Bank
San Jose, CA
5
Wells Fargo Bank
Sioux Falls, SD
1

Business Loan Advice for Los Banos Businesses

Before reaching out to banks 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, 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 financing 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 guarantee 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 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 participate in the financial assistance programs available through the SBA. Before you sit down to talk with a small business banker, you may want to do your homework 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 Getting a Small Business Loan.

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