Places To Find Small 
Business Start Up Loans

Steps to Help You Pick The Right bank

Starting a small business in today's environment can be frustrating and time consuming. Even if you think you have it all figured out, there is always something new that you will come across that will put you back in a bind.

Finding the right bank today is like finding an attorney or a  doctor in the yellow pages.  You really don't know what you are getting.  You just simply have to investigate and make sure that the bank you choose is right for you.

What are some tips to choose the perfect small business start up loan for your business?

1. Meet with the banker

It is a good idea to meet with your banker.  So that you can get a feel for the bank and the person you are working with at the bank.

2. Make sure loan decisions are underwritten locally

So that you can have a personal relationship with the lender.  If you will need to obtain a loan in the future, you already have a relationship with the underwriter.

3. Make sure the bank deals with small business owners

These banks will be better at dealing with small businesses.

4. Make sure the bank understands your industry

When bankers don't understand how an industry operates, they don't understand how they'll be repaid.   Banks that understand will be better fit to work with.

5. Make sure the bank is small enough

This is so that it will be easy to ask questions and get answers from the bankers.


6. Determine if the bank is large enough to meet your needs.

Some banks may not be able to handle the needs of a growing business.  So make sure you get one that can handle your growing needs.

7. Make sure they want small customers

Some banks are not comfortable with start-up companies.  They want you to show them you have a track record before they will even to consider you.  So ask around an find banks that are willing to work with you.

SBA Banks for Small Business Start Up Loans

The following lists (by state) are the banks that were ranked the top small-business-friendly micro lenders by the SBA. In the case of a tie, the banks are listed alphabetically. These are the bank that help small and start up businesses get their start.  You will need to to contact them to see if they can be of service to you.

Alabama
1. Community Bank
205-429-1000
1. Peoples Community Bank
334-696-4431
Montana
1. First State Bank
 406-827-3565
www.fsbtf.com
2. First Citizens Bank of Butte
406-494-4400
Alaska
1. National Bank Of Alaska
907-267-5700
www.nationalbankofalaska.com
2. First Bank
907-228-4218
Nebraska
1. Dakota County State Bank
402-494-4215
www.dcsb.com
1. Valley Bank & Trust
 308-632-7500
Arizona
1. Community Bank of Arizona
520-684-7884
2. County Bank
520-771-8100
Nevada
1. Bankwest Of Nevada
 702-248-4200
1. First National Bank
 775-289-4441
Arkansas
1. First State Bank
501-272-4221
www.fsbmybank.com
2. Bank of Yellville
870-449-4231
www.bankofyellville.com
New Hampshire
1. Bank of New Hampshire
603-624-6600
www.banknh.com
2. First Colebrook Bank
 603-237-5551
California
1. California Center Bank
213-386-2222
www.calcenterbank.com
2. EL Dorado Bank
949-830-7440
www.eldoradobank.com
New Jersey
1. Hudson United Bank
856-451-2222
www.hudsonunitedbank.com
2. Minotola National Bank
856-696-8100
www.minotola.com
Colorado
1. First Community Industrial Bank
303-399-3400
2. Bank of Grand Junction
970-241-9000
New Mexico
1. Valley National Bank
505-753-2136
2. Community First Bank
505-527-6200
Connecticut
1. Webster Bank
806-571-7200
2. North American Bank & Trust
203-377-0732
www.northamericanbank.com
New York
1. Wyoming County Bank
716-786-3131
www.wycobank.com
2. 1st National Bank Of Scotia
518-370-7200
www.firstscotia.com
Delaware
1. Citibank Delaware
302-323-3900
www.citicorp.com
2. Bank of Delmarva NA
302-629-2700
www.bankofdelmarva.com
North Carolina
1. East Carolina Bank
252-925-9461
1. Four Oaks Bank & Trust Company
919-963-2177
District of Columbia
1. National Capital Bank of Washington
202-546-8000
2. First Liberty National Bank
202-331-7031
North Dakota
1. Kirkwood Bank & Trust Co.
701-258-6550
2. First Western Bank & Trust Co.
701-852-3711
Florida 
1. Farmers & Merchants Bank
850-997-2591
www.fmbbank.com
1. Fidelity Bank of Florida
321-452-001
Ohio
1. Community First  Bank & Trust Co.
419-394-3366
1. First National Bank of Shelby
419-342-4010
Georgia
1. Bank of Gray
912-986-3157
1. First State Bank
770-474-7293
Oklahoma
1. First Bank & Trust Co.
918-485-2173
2. First National Bank & Trust Co.
580-332-5132
Hawaii
1. Hawaii National Rank
805-528-7755
2. City Bank
808-546-3909
www.citybankhi.com
Oregon
1. Security Bank
541-267-5356
2. Bank of Salem
503-585-5290
Idaho           
1. D.L. Evans Bank
205-678-9076 
www.dlevans.com             
2. Panhandle State Rank
208-263-0505
www.panhandlebank.com
Pennsylvania
1. Pioneer American Bank
570-342-8135
www.pioneeramerican.com
2. First Nation Bank of Leesport
610-926-2161
Illinois
1. Rank of Edwardsville
618-656-0057
www.4thebank.com
 
Rhode Island
1. Washing Trust Co.
401-351-6240
www.washtrust.com
2. Fleet Bank
 401-278-6000
www.fleet.com
Indiana
1. First Community Bank & Trust Co.
317-422-5171
1. First State Bank
812-443-4481
South Carolina
1. Bank of Travelers Rest
864-834-9031
1. Bank of York
 803-684-2265
www.bankofyork.com
Iowa
1. Farmers Saving Bank
319-656-2265
1. Security Bank
319-382-9661
South Dakota
1. Farmers State Bank
605-648-3683
www.farmersstatebanksd.com
2. Merchants State Bank
 605-925-4222
Kansas
1. First National Bank of Conway Springs
316-456-2255
1. Rose Hill State Bank
316-776-2131
Tennessee
1. First community Bank of East Tennessee
423-272-5800
2. First State Bank
901-475-5000
Kentucky
1. Bank of Mt. Vernon
606-256-5141
www.bankmv.com
1. Commonwealth Bank & Trust Co.
502-244-7700
www.cbandt.com
Texas
1. First Bank of Conroe NA
 409-760-1888
www.fboc.com
1. First commercial Bank
830-379-8390
www.1cb.com
Louisiana
1. First Republic Bank
318-728-4423
www.firstrepbank.com
2. Community Trust Bank
318-768-2531
www.ctb-bank.com
Utah
1. GE Capital Financial
801-517-5000
www.ge.com
1. Wright Express Financial Services Corp.
801-270-8166
www.wrightexpress.com
Maine
1. United Bank
207-942-5263
www.unitedkingfield.com
2. Union Trust Co.
207-667-2504
www.uniontrust.com
Vermont
1. Union Bank
802-888-6600
www.unionbankvt.com
 
Maryland
1. Maryland Permanent Bank & & Trust Co.
410-356-4411
2. My Bank/First United
301-334-3741
 www.mybankfirstunited.com
Virginia
1. Chesapeake Bank
804-435-1181
www.chesbank.com
1. F & M bank-Massanutten
 540-434-6761
www.fm-mass.com
Massachusetts
1. Enterprise Bank & Trust Co.
978-459-9000
www.ebtc.com
2. Bank of Western Massachusetts
413-781-2265
www.bankwmass.com
Washington
1. Security state Bank
360-736-2861
www.ssbwa.com
2. Bank of Whitman
509-397-4629
 www.bankofwhitman.com
Michigan
1. First State Bank of east Detroit
810-775-5000
www.thefsb.com
2. First Community bank
213-526-2114
www.firstcb.com
West Virginia
1. Traders Bank
304-927-3340
2. Calhoun Banks
304-354-6116
www.calhounbank.com
Minnesota
1. Citizen State Bank
    507-375-3201
2. United Community Bank
   218-346-5700
Wisconsin
1. F & M Bank Winnebago County
920-766-1717
www.fmbanks.com
2. F & M Banks Waushara County
920-787-3351
Mississippi
1. First State Bank
601-735-1752
Wyoming
1. First State Bank of Wheatland
307-322-5222
2. First National Bank of Buffalo
307-684-2555
www.fnb-buffalo.com

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