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

Small Business Lenders in Rio Grande, New Jersey

 
Loan Census SBA Loan Info

Looking for a Rio Grande, New Jersey small business loan? We were annoyed by how hard it was to find city-specific small business lenders so we created this page just for you.

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

Local Rio Grande Lending Resources

To assist you in finding a small business banker, here's our list of small business banks in Rio Grande.

Small Business Bank Recent SBA Loans
Cape Savings Bank - Rio Grande Branch  

Lenders for Rio Grande Businesses

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

Small Business Bank Recent SBA Loans
Bank Of America
Providence, RI
3
Cit Small Business Lending Corp
Livingston, NJ
2
Citizens Bank Of Pennsylvania
Philadelphia, PA
1
Pnc Bank, National Association
Pittsburgh, PA
3
Sun National Bank
Vineland, NJ
3
Td Banknorth
Mahwah, NJ
1
Unity Bank
Clinton, NJ
1
Wachovia Bank
Charlotte, NC
1
Wachovia SBA Lending, Inc.
Roseville, CA
1

Business Loan Advice for Rio Grande Businesses

Prior to contacting banks to get a bank loan, you will need to develop the specifics of your loan request.

You need to be able to clearly introduce your business to the banker, explain how much you want to borrow, describe what the money will finance, and show your ability to pay the money back to the bank.

Having a business plan is an important prerequisite. If the capital is to for a company that is already doing 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 cash flow from the business does not meet your projections.

If the business has few assets, you will likely be asked to pledge your personal assets, such as your individual retirement account or pension plan. 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

If you are new to our Gaebler.com site, you should know that we are dedicated to helping entrepreneurs, and we have a lot of information pertaining to to Raising Money. If you want to learn about raising money, we recommend you read Angel Investors.

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