Loan Census Banking News and Information
June 30, 2022  
 
 
  Business Loan Information  
 

Ramona, California Small Business Loans

 
Loan Census SBA Loan Info

I need a loan for my business in Ramona, California! If that's what's on your mind, you've come to the right place.

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

Local Ramona Banks

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

Small Business Bank Recent SBA Loans
Bank Of America  
First Business Bank 49

Banks that Lend to Ramona Businesses

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

Small Business Bank Recent SBA Loans
1st Pacific Bank Of California
Solana Beach, CA
1
Banco Popular North America
New York City, NY
1
Bank Of America
Charlotte, NC
14
California Bank & Trust
Sacramento, CA
3
Capital One
Mclean, VA
4
Cit Small Business Lending Corp
Livingston, NJ
1
Citibank
San Francisco, CA
1
Comerica Bank
Dallas, TX
1
Discovery Bank
San Marcos, CA
1
First National Bank - Southern Calif
San Marcos, CA
1
Ge Cap. Small Business Finan Corp
St. Louis, MO
1
Innovative Bank
Oakland, CA
1
Internatl City Bank
Long Beach, CA
1
La Jolla Bank, FSB
Escondido, CA
4
Neighborhood National Bank
San Diego, CA
1
Pacific Cap. Bank
Santa Barbara, CA
2
Pacific Western Bank
La Mesa, CA
1
Pacific Western Bank
San Diego, CA
5
Rabobank, National Association
El Centro, CA
2
San Diego National Bank
San Diego, CA
1
Security Business Bank - San Diego
San Diego, CA
1
Temecula Valley Bank
Temecula, CA
3
U.S. Bank National Association
Cincinnati, OH
2
Umpqua Bank
Roseville, CA
1
Union Bank Of California
San Francisco, CA
3
Vineyard Bank
Corona, CA
2
Washington Mutual Bank
Henderson, NV
1
Wells Fargo Bank
Carlsbad, CA
2
Wells Fargo Bank
San Jose, CA
9
Wells Fargo Bank
Sioux Falls, SD
3

Ramona Bank Loan Tips

Prior to contacting banks to discuss getting a bank loan, you will need to develop the specifics of your loan request.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, define how the money will be used, and show your ability to pay the money back to the bank.

Being able to present a well-written 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. 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, 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. Before you sit down to talk with a small business banker, 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

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