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

Small Business Lenders in Sebastopol, California

 
Loan Census SBA Loan Info

Looking for a Sebastopol, California 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 hoping to get a small business loan and your business is based in Sebastopol, California, we've assembled a list of local small business banks that you should contact.

Local Sebastopol Lenders

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

Small Business Bank Recent SBA Loans
Bank Of America  
Bank of the West - Sebastopol- Sebastopal- Branch  

Business Loan Providers for Sebastopol Businesses

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

Small Business Bank Recent SBA Loans
Bank - Petaluma A Division -
Petaluma, CA
1
Bank Of America
Charlotte, NC
5
Bank Of The West
San Francisco, CA
1
Bank Of The West
Truckee, CA
1
Business Loan Center, LLC
New York, NY
1
Capital One
Mclean, VA
4
Cit Small Business Lending Corp
Livingston, NJ
2
Citibank
San Francisco, CA
1
Comerica Bank
Dallas, TX
2
First Bank
Creve Coeur, MO
1
First Community Bank
Santa Rosa, CA
4
Heritage Bank Of Commerce
San Jose, CA
1
Safe-bidco
Santa Rosa, CA
3
Sterling Savings Bank
Santa Rosa, CA
4
Tamalpais Bank
San Rafael, CA
2
U.S. Bank National Association
Cincinnati, OH
1
Washington Mutual Bank
Henderson, NV
1
Wells Fargo Bank
San Jose, CA
7

Business Loan Advice for Sebastopol Businesses

Prior to contacting lenders to get 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 how you intend to to pay the loan back to the lender.

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. 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 to guarantee the loan 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 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

Gaebler.com is a site that is dedicated to supporting entrepreneurs, and we have a lot of useful articles about to Raising Money. To learn more, one article that might be of interest to you is Realistic Debt Financing Options.

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