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

Red Bluff, California Small Business Loans

 
Loan Census SBA Loan Info

Getting a business loan in Red Bluff, California seems challenging at first, but we're here to help you get started.

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

Local Red Bluff Lenders

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

Small Business Bank Recent SBA Loans
Bank Of America  
Butte Community Bank  
Cornerstone Community Bank 4
Premierwest Bank 1

Lenders for Red Bluff Businesses

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

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
5
Bank Of The West
Truckee, CA
2
Capital One
Mclean, VA
3
Cit Small Business Lending Corp
Livingston, NJ
2
Comerica Bank
Dallas, TX
2
Greater Bay Bank
Palo Alto, CA
1
Heritage Bank Of Commerce
San Jose, CA
2
Pacific Western Bank
Escondido, CA
1
Redding Bank Of Commerce
Redding, CA
1
Saehan Bank
Los Angeles, CA
1
Temecula Valley Bank
Temecula, CA
5
U.S. Bank National Association
Cincinnati, OH
1
Umpqua Bank
Roseburg, OR
10
Umpqua Bank
Roseville, CA
3
Vision One Cu
Sacramento, CA
1
Wachovia SBA Lending, Inc.
Roseville, CA
1
Wells Fargo Bank
Lodi, CA
1

Red Bluff Bank Loan Tips

Prior to reaching out to banks 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, define how the money will be used, and show your ability to pay the loan back to the bank.

Having a business plan is an important prerequisite. If the financing 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 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 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 these banks 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 educate yourself. If you haven't read it already, we recommend you review Business Line of Credit.

More Business Lender Lists for California Cities
Get a Business Loan in Rancho Santa Margarita
Get a Business Loan in Redding

Browse All Business Loan Sources for California