Bakersfield, California Small Business Loans

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

If you are looking for a small business loan and your business is based in Bakersfield, California, we've assembled a list of local small business banks that you should contact.

Local Bakersfield Business Loan Sources

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

Small Business Bank	Recent SBA Loans
American Prepaid Inc
Bank Amerilease Group
Bank Of America
Bank of the Sierra
Bank of the West
Bob Clerico Realtor
Borrego Springs Bank
Brazzell Michael Agent
Mission Bank	3
Rabobank, National Association	1
San Joaquin Bank	25

Other Lending Resources for Bakersfield Businesses

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

Small Business Bank	Recent SBA Loans
Alliance Bank Culver City, CA	1
Amegy Bank Kingwood, TX	1
Banco Popular North America New York City, NY	1
Bank - America California Rancho Cordova, CA	3
Bank Of America Charlotte, NC	116
Bank Of The Sierra Exeter, CA	3
Bank Of The Sierra Porterville, CA	43
Bank Of The West Truckee, CA	1
Beach Business Bank Manhattan Beach, CA	2
Borrego Springs Bank Borrego Springs, CA	19
Bridge Bank San Jose, CA	8
Business Loan Center, LLC New York, NY	11
Business Loan Center, LLC Panama City Beach, FL	11
Business Loan Center, LLC Washington, DC	1
California Bank & Trust Sacramento, CA	61
Capital One Mclean, VA	35
Capital One Bank (usa) Glen Allen, VA	4
Center Bank Los Angeles, CA	3
Cit Small Business Lending Corp Golden, CO	2
Cit Small Business Lending Corp Livingston, NJ	9
Citibank Las Vegas, NV	3
Citibank San Francisco, CA	6
Citicapital Small Business Finance Irving, TX	1
Citizens Business Bank Ontario, CA	1
Coast National Bank San Luis Obispo, CA	1
Comerica Bank Dallas, TX	20
Comerica Bank Houston, TX	1
Comerica Bank San Jose, CA	1
Commonwealth Business Bank Los Angeles, CA	4
Community W. Bank Goleta, CA	19
County Bank Merced, CA	2
El Dorado Savings Bank, F.s.b. Placerville, CA	1
Excel National Bank Beverly Hills, CA	2
First Bank Chula Vista, CA	1
First California Bank Camarillo, CA	1
First Standard Bank Los Angeles, CA	4
Fullerton Community Bank, FSB Fullerton, CA	1
Greater Bay Bank Palo Alto, CA	1
Hanmi Bank Los Angeles, CA	14
Heritage Bank Of Commerce San Jose, CA	7
Independence Bank East Greenwich, RI	1
Inland Commun Bank Rialto, CA	2
Innovative Bank Oakland, CA	30
Mirae Bank Los Angeles, CA	6
Mission Oaks National Bank Temecula, CA	1
Nara Bank Los Angeles, CA	3
Newtek Small Business Finance Inc. New York, NY	1
Pacific Cap. Bank Santa Barbara, CA	2
Pacific City Bank Los Angeles, CA	1
Pacific Western Bank Escondido, CA	4
Pacific Western Bank San Diego, CA	2
Rabobank, National Association Arroyo Grande, CA	4
Rabobank, National Association El Centro, CA	3
Ridgestone Bank Brookfield, WI	1
Saehan Bank Los Angeles, CA	1
South Cnty Bank Rancho Santa Margarit, CA	1
Stearns Bank Saint Cloud, MN	1
Telesis Community Cu Chatsworth, CA	2
Temecula Valley Bank Temecula, CA	11
U.S. Bank National Association Cincinnati, OH	2
Union Bank Of California San Francisco, CA	9
United Commercial Bank San Francisco, CA	1
Uniti Bank Buena Park, CA	2
Ups Capital Business Credit Windsor, CT	3
Vision One Cu Sacramento, CA	1
Wachovia SBA Lending, Inc. Roseville, CA	5
Washington Mutual Bank Henderson, NV	10
Wells Fargo Bank Auburn, CA	1
Wells Fargo Bank Carlsbad, CA	1
Wells Fargo Bank San Jose, CA	42
Wells Fargo Bank Sioux Falls, SD	14
Wells Fargo Bank, Ltd. Los Angeles, CA	1
Wilshire State Bank Los Angeles, CA	5

Bakersfield Bank Loan Tips

Before meeting with banks 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 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 bank.

A well-defined business plan is is critically important. If the money is to for an existing business, 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 to guarantee the loan with 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 meeting with the 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

Our Gaebler.com site is passionate about providing advice to small business owners, and we have a lot of resources related to to Raising Money. For example, we would suggest you read 504 Loans.

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