Loan Census Banking News and Information
December 24, 2024  
 
 
  Business Loan Information  
 

Neptune, New Jersey Small Business Loans

 
Loan Census SBA Loan Info

Small business loans in Neptune, New Jersey are available. You just need to talk to the right bank.

If you are hoping to get a small business loan and your business is based in Neptune, New Jersey, we've assembled a list of local small business banks that you should contact.

Local Neptune Lending Resources

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

Small Business Bank Recent SBA Loans
Allaire Community Bank  
Monmouth Community Bank  

Banks that Lend to Neptune Businesses

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

Small Business Bank Recent SBA Loans
Bank Of America
Charlotte, NC
3
Bank Of America
Providence, RI
2
Bnb Bank, National Association
Fort Lee, NJ
2
Capital One
Mclean, VA
6
Commerce Bank
Philadelphia, PA
8
Commerce Bank
Toms River, NJ
2
Hsbc Bank Usa
Syracuse, NY
1
Innovative Bank
Oakland, CA
2
Jpmorgan Chase Bank
Houston, TX
2
New Millennium Bank
New Brunswick, NJ
3
Pnc Bank, National Association
Philadelphia, PA
1
Pnc Bank, National Association
Pittsburgh, PA
7
Pnc Bank, National Association
Somerset, NJ
1
Shore Community Bank
Toms River, NJ
1
Sovereign Bank
Villanova, PA
4
Sovereign Bank
Wyomissing, PA
1
Sun National Bank
Vineland, NJ
3
The Provident Bank
Jersey City, NJ
1

Neptune Bank Loan Tips

As a prerequisite to 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 intend to to pay the loan back to the bank.

A well-defined business plan is is critically important. If the loan is to for a company that is already doing business, you should also have financial statements covering the last three years. Bankers will also want to know 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 stocks and bonds that you might own or life insurance policies. The banks will look at your personal credit report 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 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 serious about Raising Money, you need to educate yourself. If you haven't read it already, we recommend you review How Equity Dilution Works.

More Business Loan Info for New Jersey
Get a Business Loan in Morristown
Get a Business Loan in New Brunswick

Browse All Business Loan Sources for New Jersey