Small Business Financing Irvine CA

Looking for Small Business Financing in Irvine? We have compiled a list of businesses and services around Irvine that should help you with your search. We hope this page helps you find Small Business Financing in Irvine.

Robert Greenberg
Greenberg | Graham Advisors, LLC
(714) 437-0040
2600 Michelson Drive, Suite 1700
Irvine, CA
Expertises
Ongoing Investment Management, Charitable Giving - Trusts & Foundations, Planning Issues for Business Owners, Retirement Planning & Distribution Rules, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®

Steven Weydert
Weydert Wealth Management
(949) 272-5700
8105 Irvine Center Drive, 9th Floor
Irvine, CA
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Planning Issues for Business Owners, Tax Planning, High Net Worth Client Needs, Estate & Generational Planning Issues
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Mark Rylance
RS Crum Inc.
(949) 428-9696
4 Upper Newport Plaza Drive, Suite 201
Newport Beach, CA
Expertises
Real Estate Investments, Ongoing Investment Management, High Net Worth Client Needs, Divorce Planning, Planning Issues for Business Owners, Advising Medical Professionals
Certifications
NAPFA Registered Financial Advisor, CFP®

Richard Schultz
Schultz Financial Management Corp.
(714) 731-0848
1171 Appian Way
North Tustin, CA
Expertises
Ongoing Investment Management, Retirement Plan Investment Advice, Retirement Planning & Distribution Rules, Planning Concerns for Corporate Executives, Estate & Generational Planning Issues, Real Estate Investments
Certifications
NAPFA Registered Financial Advisor, BS, CFP®

Bryan Wisda
Summit Wealth Management, Inc.
(949) 753-9270
9210 Irvine Center Drive
Irvine, CA
Expertises
Advising Medical Professionals, Women's Financial Planning Issues, Professional Athletes or Entertainers, Planning Issues for Unmarried & Same-Sex Couples, Estate & Generational Planning Issues, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®

David Barnett
Barnett Financial Planning
(714) 731-6300
1442 Irvine, Blvd., Suite 212
Tustin, CA
Expertises
Middle Income Client Needs, Retirement Plan Investment Advice, Ongoing Investment Management, Advising Medical Professionals, Real Estate Investments, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®

Lauren Klein
Klein Financial Advisors, Inc.
(949) 477-4990
4299 MacArthur Blvd., Suite 100
Newport Beach, CA
Expertises
Ongoing Investment Management, Planning Issues for Business Owners, Divorce Planning, Retirement Planning & Distribution Rules, Tax Planning, Women's Financial Planning Issues
Certifications
NAPFA Registered Financial Advisor, CDFA, CFP®, EA, MBA

Scott Anderson
Anderson Financial Group
(949) 422-3484
4695 MacArthur Court #480
Newport Beach, CA
Expertises
Retirement Planning & Distribution Rules, Retirement Plan Investment Advice, Tax Planning, Planning Issues for Business Owners, Ongoing Investment Management
Certifications
NAPFA Registered Financial Advisor, CFP®, CPA, EA, MBA

Jon Theriault
RS Crum Inc.
(949) 428-9696
4 Upper Newport Plaza Drive, Suite 201
Newport Beach, CA
Expertises
High Net Worth Client Needs, Ongoing Investment Management, Advising Entrepreneurs, Advising Medical Professionals, Planning Issues for Business Owners, Real Estate Investments
Certifications
NAPFA Registered Financial Advisor, CFP®, MBA

Linda Barlow
Linda A. Barlow, CFP
(714) 953-1232
2700 N. Main Street, Suite 850
Santa Ana, CA
Expertises
Special Needs Planning, Helping Clients Identify & Achieve Goals, Retirement Planning & Distribution Rules, Women's Financial Planning Issues, Investment Advice without Ongoing Management, Hourly Financial Planning Services
Certifications
NAPFA Registered Financial Advisor, CFP®, MS

Business Financing From The SBA / Small Business Administration

The Small Business Administration is the most useful resource available to startups and established small businesses. An Independent agency of the Executive branch of the Federal Government, the SBA has the responsibility of providing assistance to American small businesses in the areas of advocacy, management, procurement, and financial assistance. The SBA financing comes in the forms of investment programs, business loan programs, disaster loan programs, and bonding for contractors. In most cases, the SBA should be the first business financing resource a small business owner looks to for their financing needs.

The SBA has three different loan programs for small business financing . It is important to know that while the SBA has these programs, they do not actually provide the business financing . The SBA sets the guidelines for these loans, then their partners, which include lenders, community development organizations, and microlending institutions, actually make the loan to small businesses . The SBA guarantees the loans, to reduce the risk to the lenders.

The first type of business loan that the SBA offers is the Basic 7(a) Loan Guaranty. When a small business is unable to obtain financing from other sources, this is the primary business loan program offered. This is the SBA's most flexible business financing program, and it is ideal for start up business financing as well as established business financing . This type of new business financing can be used for most business purposes, such as working capital, equipment, office furnishings, land and building, leases, and even debt refinancing. The maturity date of the loan varies, depending on what the loan is used for. For working capital, the loan maturity is up to 10 years, while it is generally up to 25 years for fixed assets.

There are several different variations of the Basic 7(a) loan program, designed to fill specific needs. This type of loan is the closest a small business owner can get to free business financing, because any fees that the SBA has for administration are charged to the lender. However, the lender does have the right to make those fees a part of your loan, which means that you may ultimately pay those fees.

The second type of loan that the SBA offers is the Microloan. This is known as the 7(m) loan program. These are short-term loans of up to $35,000, and are primarily for small businesses and non-profit child care centers. They are meant to provide working capital, inventory purchases, supplies, furnishings, and equipment. They may not be used to pay existing debts or to purchase real estate. This type of business financing is great for business owners who wish to expand.

The third type of small business financing available through the SBA is a Certified Development Company (CDC) loan. Known as the 504 loan program, these loans should only be sought by businesses that require brick and mortar financing . These are long-term...

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