Loan Census Banking News and Information
March 28, 2024  
 
 
  Business Loan Information  
 

Oceanside, New York Small Business Loans

 
Loan Census SBA Loan Info

Looking for a Oceanside, New York small business loan? We were annoyed by how hard it was to find city-specific small business lenders so we created this page just for you.

If you are planning on applying for a small business loan and your business is based in Oceanside, New York, we've assembled a list of local small business banks that you should contact.

Local Oceanside Business Lenders

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

Small Business Bank Recent SBA Loans
Astoria Federal Savings & Loan Association  

Lenders for Oceanside Businesses

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

Small Business Bank Recent SBA Loans
Banco Popular North America
New York City, NY
6
Bank Of America
Charlotte, NC
10
Bank Of America
Providence, RI
26
Bnb Bank, National Association
Fort Lee, NJ
2
Business Loan Center, LLC
Richmond, VA
1
Capital One
Mclean, VA
3
Cit Small Business Lending Corp
Livingston, NJ
1
Citibank
Las Vegas, NV
1
Citibank
New York City, NY
1
Commerce Bank
Philadelphia, PA
3
First National Bank Of Arizona
Scottsdale, AZ
1
First Republic Bank
Walnut Creek, CA
1
Hsbc Bank Usa
Buffalo, NY
6
Hsbc Bank Usa
Syracuse, NY
8
Jpmorgan Chase Bank
Houston, TX
13
Jpmorgan Chase Bank
Phoenix, AZ
1
Manufacturers & Traders Trust
Buffalo, NY
5
Progressive Cu
New York City, NY
1
Shinhan Bank America
New York City, NY
1
Wachovia SBA Lending, Inc.
Roseville, CA
1
Washington Mutual Bank
Bedford, TX
1
Washington Mutual Bank
Henderson, NV
1

Oceanside Bank Loan Tips

As a prerequisite to contacting lenders 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, walk the banker through the planned use of proceeds, and show your ability to pay the loan back to the lender.

Being able to present a well-written business plan is is critically important. If the loan is to for an existing business, you should also have financial statements covering the last three years. In addition, you should itemize 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 pledge your personal assets, such as your individual retirement account or pension plan. The banks will look at your personal credit report 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 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 deeply committed to aiding entrepreneurs, and we have a lot of information pertaining to to Raising Money. For example, one article that might be of interest to you is Getting a Small Business Loan.

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