Loan Census Banking News and Information
August 16, 2022  
 
 
  Business Loan Information  
 

San Marcos, California Business Loan

 
Loan Census SBA Loan Info

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

This article is written specifically for small business owners in San Marcos, California who are interested in getting a bank loan.

Local San Marcos Business Lenders

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

Small Business Bank Recent SBA Loans
1st National Bank of North County  
Bank Of America  
California Bank & Trust - Branch Offices- Lake San Marcos- Carlsbad Village Of  
California Bank & Trust - Branch Offices- Rancho Bernardo- San Marcos  
Discovery Bank 116
First National Bank - Southern Calif 61

SBA Lenders for San Marcos Businesses

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

Small Business Bank Recent SBA Loans
1st Centennial Bank
Redlands, CA
1
1st Pacific Bank Of California
San Diego, CA
3
Banco Popular North America
New York City, NY
2
Bank Of America
Charlotte, NC
30
Beach Business Bank
Manhattan Beach, CA
1
Borrego Springs Bank
Borrego Springs, CA
3
Business Loan Center, LLC
New York, NY
2
Business Loan Center, LLC
Panama City Beach, FL
4
California Bank & Trust
Sacramento, CA
30
California Bank & Trust
San Diego, CA
3
Capital One
Mclean, VA
4
Cathay Bank
Alhambra, CA
1
Cit Small Business Lending Corp
Livingston, NJ
3
Citibank
Las Vegas, NV
2
Citibank
San Francisco, CA
4
City National Bank
Los Angeles, CA
1
Comerica Bank
Dallas, TX
4
Community W. Bank
Goleta, CA
1
First Bank
Chula Vista, CA
3
First Business Bank
Ramona, CA
1
First Standard Bank
Los Angeles, CA
1
Hanmi Bank
Los Angeles, CA
3
Inland Commun Bank
Rialto, CA
1
Innovative Bank
Oakland, CA
2
Internatl City Bank
Long Beach, CA
3
La Jolla Bank, FSB
Escondido, CA
3
La Jolla Bank, FSB
La Jolla, CA
5
Lehman Brothers Bank, FSB
Wilmington, DE
1
Merrill Lynch Bank Usa
Salt Lake City, UT
1
Metropacific Bank
Irvine, CA
2
Mission Oaks National Bank
Temecula, CA
1
Neighborhood National Bank
San Diego, CA
2
Pacific Cap. Bank
Santa Barbara, CA
8
Pacific Western Bank
Carlsbad, CA
1
Pacific Western Bank
Escondido, CA
6
Pacific Western Bank
Huntington Beach, CA
1
Pacific Western Bank
Rancho Santa Fe, CA
8
Pacific Western Bank
San Diego, CA
16
Saehan Bank
Los Angeles, CA
1
San Diego National Bank
San Diego, CA
2
Seacoast Commerce Bank
Chula Vista, CA
2
South Cnty Bank
Rancho Santa Margarit, CA
2
Temecula Valley Bank
Temecula, CA
2
U.S. Bank National Association
Cincinnati, OH
14
Union Bank Of California
San Francisco, CA
10
Vineyard Bank
Corona, CA
3
Wachovia SBA Lending, Inc.
Roseville, CA
2
Washington Mutual Bank
Henderson, NV
4
Wells Fargo Bank
Carlsbad, CA
20
Wells Fargo Bank
Escondido, CA
1
Wells Fargo Bank
San Jose, CA
29
Wells Fargo Bank
Sioux Falls, SD
5

San Marcos Business Loan Advice

As a prerequisite to contacting banks to discuss getting 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 your ability to pay the loan back to the bank.

Being able to present a well-written business plan is an important prerequisite. If the financing is to for a going concern, 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 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 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

Take the time to learn as much as you can about Raising Money. To get the ball rolling, we recommend you read 504 Loans.

More Business Loan Info for California
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