Loan Census Banking News and Information
May 25, 2024  
 
 
  Business Loan Information  
 

Business Loan Vacaville, California

 
Loan Census SBA Loan Info

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

These materials were prepared for entrepreneurs in Vacaville, California who are interested in getting debt financing.

Local Vacaville Business Lenders

Without further adieu, here's our list of small business banks in Vacaville.

Small Business Bank Recent SBA Loans
Bank Of America  
Bank of the West  
Travis Cu 18

Lenders for Vacaville Businesses

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

Small Business Bank Recent SBA Loans
1st Centennial Bank
Redlands, CA
1
Amer Express Centurion Bk
Salt Lake City, UT
1
Banco Popular North America
New York City, NY
1
Bank Of America
Charlotte, NC
10
Bank Of The West
Truckee, CA
4
Borrego Springs Bank
Borrego Springs, CA
1
Business Loan Center, LLC
New York, NY
3
California Bank & Trust
Sacramento, CA
3
California Bank & Trust
San Diego, CA
1
Capital One
Mclean, VA
6
Central Valley Community Bank
Clovis, CA
1
Cit Small Business Lending Corp
Livingston, NJ
6
City National Bank
Oakland, CA
1
Comerica Bank
Dallas, TX
7
Community So. Bank D.b.a Commun
Parsons, TN
1
Community W. Bank
Goleta, CA
3
Cupertino National Bank A Division
Cupertino, CA
1
Excel National Bank
Beverly Hills, CA
1
Farmers & Merchants Bank - Cent.
Elk Grove, CA
1
First National Bank - Northern Calif
San Francisco, CA
1
First Northern Bank Of Dixon
Dixon, CA
5
First Northern Bank Of Dixon
West Sacramento, CA
1
Ge Cap. Small Business Finan Corp
St. Louis, MO
1
Greater Bay Bank
Palo Alto, CA
1
Hanmi Bank
Los Angeles, CA
2
Heritage Bank Of Commerce
San Jose, CA
5
Innovative Bank
Oakland, CA
7
Mirae Bank
Los Angeles, CA
1
Nara Bank
Los Angeles, CA
5
Pacific City Bank
Los Angeles, CA
1
Pacific Western Bank
Escondido, CA
2
Santa Cruz County Bank
Santa Cruz, CA
1
Spectrum Bank
Irvine, CA
1
Sterling Savings Bank
Santa Rosa, CA
1
Superior Financial Group, LLC
Walnut Creek, CA
1
Temecula Valley Bank
Temecula, CA
2
U.S. Bank National Association
Cincinnati, OH
7
Umpqua Bank
Roseburg, OR
11
Umpqua Bank
Roseville, CA
1
United Commercial Bank
San Francisco, CA
1
Vision One Cu
Sacramento, CA
1
Wachovia SBA Lending, Inc.
Roseville, CA
2
Washington Mutual Bank
Henderson, NV
1
Wells Fargo Bank
Lodi, CA
1
Wells Fargo Bank
San Jose, CA
11

Tips for Getting a Business Loan in Vacaville

As a prerequisite to reaching out to lenders to discuss getting a bank loan, you will need to determine exactly what size loan you will be asking for.

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 how you plan to pay the money back to the lender.

A well-defined business plan is an important prerequisite. If the capital is to for an existing 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, the bank may ask you to to pledge your personal assets, such as stocks and bonds that you might own or life insurance policies. 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 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.

Gaebler.com Advice on Raising Money

If you are planning on Raising Money, you need to get up to speed on the subject. If you haven't read it already, we recommend you review 504 Loans.

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