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

Small Business Lenders in Ponte Vedra Beach, Florida

 
Loan Census SBA Loan Info

Small business loans in Ponte Vedra Beach, Florida 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 Ponte Vedra Beach, Florida, we've assembled a list of local small business banks that you should contact.

Local Ponte Vedra Beach Lending Resources

To assist you in finding a small business banker, here's our list of small business banks in Ponte Vedra Beach.

Small Business Bank Recent SBA Loans
Atlantic States Bank  
Bank of America  

Business Loan Providers for Ponte Vedra Beach Businesses

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

Small Business Bank Recent SBA Loans
Amer Enter. Bank - Florida
Jacksonville, FL
1
Bank Of America
Charlotte, NC
11
Branch Bank & Trust
Winston Salem, NC
2
Capital One
Mclean, VA
1
Centerbank - Jacksonville
Jacksonville, FL
2
Cit Small Business Lending Corp
Livingston, NJ
2
Compass Bank
Birmingham, AL
2
First Coast Community Bank
Fernandina Beach, FL
1
First Guaranty Bank & Trust - Ja
Jacksonville, FL
1
Ironstone Bank
Norcross, GA
1
Mercantile Bank, A Division Of
Orlando, FL
1

Business Loan Advice for Ponte Vedra Beach Businesses

As a prerequisite to contacting banks to get a bank loan, you will need to have a specific plan.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, walk the banker through the planned use of proceeds, and show how you intend to to pay the money back to the bank.

Being able to present a well-written business plan is essential. If the bank loan 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 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. Prior to visiting local banks, 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

Take the time to learn as much as you can about Raising Money. To get the ball rolling, we suggest you read 504 Loans.

Business Loan Sources for Other Cities in Florida
Get a Business Loan in Pompano Beach
Get a Business Loan in Port Charlotte

Browse All Business Loan Sources for Florida