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

Small Business Lenders in Napa, California

 
Loan Census SBA Loan Info

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

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

Local Napa Lenders

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

Small Business Bank Recent SBA Loans
ATM Safe  
Bank Of America  
Bank of the West  
California Savings Bank - Napa Office  
Umpqua Bank 14

Lenders for Napa Businesses

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

Small Business Bank Recent SBA Loans
Bank Of Alameda
Alameda, CA
1
Bank Of America
Charlotte, NC
23
Bank Of The West
San Francisco, CA
1
Bank Of The West
Truckee, CA
1
Borrego Springs Bank
Borrego Springs, CA
1
California Bank & Trust
Sacramento, CA
3
Capital One
Mclean, VA
16
Cit Small Business Lending Corp
Livingston, NJ
3
Citibank
Las Vegas, NV
1
Citibank
San Francisco, CA
3
Comerica Bank
Dallas, TX
4
Community W. Bank
Goleta, CA
1
Cupertino National Bank A Division
Cupertino, CA
1
First Bank & Trust
Oakland, CA
1
First Community Bank
Santa Rosa, CA
2
First Republic Bank
Walnut Creek, CA
4
Greater Bay Bank
Palo Alto, CA
1
Heritage Bank Of Commerce
San Jose, CA
5
Innovative Bank
Oakland, CA
12
Safe-bidco
Santa Rosa, CA
2
Sterling Savings Bank
Santa Rosa, CA
11
The Mechanics Bank
Richmond, CA
2
U.S. Bank National Association
Cincinnati, OH
9
Umpqua Bank
Roseburg, OR
31
Washington Mutual Bank
Henderson, NV
2
Wells Fargo Bank
San Jose, CA
17
Wells Fargo Bank
Sioux Falls, SD
4
Westamerica Bank
Fairfield, CA
1

Business Loan Advice for Napa Businesses

Before contacting banks to get 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 plan to pay the loan back to the bank.

A well-defined business plan is essential. If the bank loan 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 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 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

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.

More Business Loan Info for California
Get a Business Loan in Murrieta
Get a Business Loan in National City

Browse All Business Loan Sources for California