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

Valley Center, California Business Loan

 
Loan Census SBA Loan Info

Small business loans in Valley Center, California are available. You just need to talk to the right bank.

These materials were prepared for small business owners in Valley Center, California who are interested in getting a bank loan.

Local Valley Center Business Loan Sources

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

Small Business Bank Recent SBA Loans
California Bank & Trust - Branch Offices- Valley Center- Rancho Bern  

Other Lending Resources for Valley Center Businesses

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

Small Business Bank Recent SBA Loans
1st Pacific Bank Of California
San Diego, CA
1
Bank Of America
Charlotte, NC
3
California Bank & Trust
Sacramento, CA
9
California Bank & Trust
San Diego, CA
2
Capital One
Mclean, VA
3
Citibank
Las Vegas, NV
2
Citibank
San Francisco, CA
1
Comerica Bank
Dallas, TX
1
Discovery Bank
San Marcos, CA
1
Innovative Bank
Oakland, CA
1
La Jolla Bank, FSB
Escondido, CA
1
Lehman Brothers Bank, FSB
Wilmington, DE
2
Pacific Western Bank
Escondido, CA
1
Pacific Western Bank
Rancho Santa Fe, CA
2
South Valley National Bank A Divis
Gilroy, CA
1
Temecula Valley Bank
Temecula, CA
1
Vineyard Bank
Corona, CA
2
Washington Mutual Bank
Henderson, NV
1
Wells Fargo Bank
San Jose, CA
2

Valley Center Business Loan Advice

Before contacting banks for a 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, define how the money will be used, and show how you intend to to pay the loan back to the bank.

Being able to present a well-written 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. 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 you cannot repay the loan.

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 these banks are SBA lenders. Before meeting with the 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.

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