Loan Census Banking News and Information
May 19, 2024  
  Business Loan Information  

Rio Vista, California Business Loan

Loan Census SBA Loan Info

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

These materials were prepared for small business proprietors in Rio Vista, California who are interested in getting a small business loan.

Local Rio Vista Business Lenders

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

Small Business Bank Recent SBA Loans
Bank of Rio Vista - Bookkeeping  
Bank of Rio Vista - Branch Offices  
Bank of Stockton - Other Offices- Rio Vista  

Other Lending Resources for Rio Vista Businesses

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

Small Business Bank Recent SBA Loans
Business Loan Center, LLC
New York, NY
Business Loan Center, LLC
Panama City Beach, FL
Capital One
Mclean, VA
First Northern Bank Of Dixon
Sacramento, CA
U.S. Bank National Association
Cincinnati, OH
Wells Fargo Bank
Auburn, CA
Wells Fargo Bank
San Jose, CA

Rio Vista Business Loan Advice

As a prerequisite to meeting with lenders to discuss getting a bank 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 how you plan to pay the loan back to the lender.

Having a business plan is an important prerequisite. If the bank loan is to for a company that is already doing 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, you will likely be asked 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 are SBA lenders. 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. Advice on Raising Money

Make the effort and learn as much as you can about Raising Money. To get the ball rolling, we suggest you read Business Line of Credit.

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