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Delancey Street is a premier small business lender, based out of NYC, that has helped broker 100's of millions in business loans. They are a pro, at making sure you get all of your financing needs satisfied.
- Over $200 million in funding secured
- Can handle low risk credit
- Handles all industries
- Handles high risk and low risk loans
Small businesses are the backbone of any thriving community. They bring life to main streets and create jobs for residents. However, starting or expanding a small business can be a massive financial strain on entrepreneurs. That is where Oxnard Small Business Loans comes in–a lending company focused solely on providing financial support to small businesses in Ventura County.
Why You Should Consider Oxnard Small Business Loans
Many entrepreneurs struggle with finding financing options that work for their unique situation. Banks often have rigid requirements and may not be willing to take risks on small businesses. Oxnard Small Business Loans understands this problem and aims to help local businesses succeed by offering tailored loans with more flexible terms.
Prioritizing Community Growth and Success
Oxnard Small Business Loans is dedicated to ensuring local businesses thrive. Their team of experts works with you every step of the way to provide the best loan options for your specific needs. Unlike other lenders, they take the time to get to know your business and what makes it special before recommending a loan plan.
“I was originally turned down by my bank for a loan to expand my shop,” says Maria Hernandez, a Tuscan-style shop owner in downtown Oxnard. “But Oxnard Small Business Loans understood my vision and helped me secure funding even with my previous credit issues. I’m so grateful to them for helping me turn my dream into a reality!”
Flexible Lending Options
At Oxnard Small Business Loans, businesses aren’t judged solely based on credit scores or past financial history. Instead, they offer a variety of options including lines of credit, term loans, and working capital loans. Businesses can also choose from variable or fixed rate loans depending on their preference.
The flexibility was key for Janice Rodriguez, owner of a popular food truck in the area. “I didn’t have much collateral or credit, but Oxnard Small Business Loans was still able to help me get a loan with payments I could afford. I’ve been able to grow my business significantly thanks to their support.”
How to Apply For Oxnard Small Business Loans
Applying for a loan with Oxnard Small Business Loans is simple and straightforward. Their website allows businesses to fill out an application online, and they will also need to provide basic financial information. Once the application is received, their team will review it to create a custom-tailored loan solution.
Avoiding Common Mistakes When Applying For A Loan
It’s imperative to avoid common mistakes when applying for any type of loan. One mistake could mean the difference between securing funding or not. Here are some practical tips for small business owners:
Select an Appropriate Lender: Consider your business needs, budget, and financing options before selecting a lender. Research lenders that specialize in lending to small businesses like Oxnard Small Business Loans.
Get Your Financials in Order: Every lender has different requirements, so it’s best to make sure that every aspect of your financial documentation is properly organized.
Fund Your Application With a Strong Business Plan: Creating a strategic business plan showcases you’re serious about your business–so it’s important to show how you can achieve success.
The Downside: Counterarguments Against Small Business Loans
While small business loans may seem like a win-win situation, some critics argue loaning money increases the chances that small businesses could become more indebted. Small businesses might face challenges repaying their loans which could lead to problems making both interest and principal payments.
Another argument against small business loans is that not all small businesses will benefit equally. There is already a long-standing critique about the lack of credit access for people of color during the pandemic. This issue comes up when many small business owners are not able to obtain loans from white-led banks.
However, Oxnard Small Business Loans has shown exemplary conduct in treating all small businesses equally.
Conclusion
Small businesses are essential to creating a thriving community by proving that entrepreneurs can create their own visions and careers regardless of their background or pedigree. Oxnard Small Business Loans aims to help businesses grow by providing various lending options and creating personalized loan solutions. If you’re a small business owner in Ventura County, consider applying for a loan with Oxnard Small Business Loans today!
(Sources:)
https://cardconnect.com/blog/top-3-mistakes-business-owners-make-when-applying-for-a-loan
http://articles.latimes.com/2013/oct/07/local/la-me-small-business-bankruptcies-20131008
| Oxnard Small Business Loans: | Other Lenders: |
|---|---|
| Custom-tailored loans based on business’s unique needs and situation. | Pre-set loan options that might not benefit the business. |
| Flexibility in lending options, including lines of credit, term loans, working capital loans, and variable or fixed rate loans. | Rigid loan requirements without considering each business’s situation. |
| Friendly experts who take the time to understand the business and its vision. | Impersonal lenders who don’t have time for discussing individual businesses. |
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