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Smart Tips
for Funding your Small Business Dream
June, 2012 - Issue #92
You have a dream; make it a reality with the help of local banks.
These organizations have money to loan - and want to say "Yes!"

Build your Future when Interest Rates are Lower than Ever
It's the right time to make a change if you are a small- or middle-market business. Interest rates are lower than ever. SCVBank has money to lend as they position to "Build for the Future." At SCVBank, their professionals provide informed, efficient service in a warm, friendly environment and deliver customized financial solutions to meet your unique needs. Specifically, they can help you lower costs, improve cash flow, provide seasonal working capital, finance capital improvements, purchase equipment and acquire or refinance facilities. Don't get lost in bureaucracy. Give a community bank - one that will take the time to get to know your business and build a relationship to meet your needs - a chance to say "yes." SCVBankers even go to you for your convenience!
SCV Bank Valencia Office 255-9250 www.scvbank.com

Get a Personal Response
Union Bank offers competitive rates and quick responses, usually within 48 hours when you are financing $100,000 or less. You don't have to waste time getting your secured or unsecured loans.Get the process started at any time of day. Each branch office of Union Bank has a Business Specialist to assist you. Ask about their financing for businesses owned by women, minorities and service-disabled veterans. Options available for all borrowers include the ability to make interest-only payments and simplify monthly accounting with automatic payments. Above all, feel confident in your choice. Union Bank was recently ranked in the top-10 of SBA 504 lenders for markets served by Union Bank*.
Union Bank Canyon Country Branch 299-2651,
Stevenson Ranch Branch 254-5772, Newhall Branch 287-6369, Valencia Branch 260-2720 www.unionbank.com
*2011 Union Bank Small Busines s Survey


Connect with a Relationship Banker & Pitch your Story
You're living your dream. You've followed your passion, identified a need or found a niche and now want to build your business. Or maybe you're deeply committed to an existing business and see an opportunity for growth. Either way, money matters will always make its way into the conversation.

Find a Relationship Banker who will serve as your trusted advisor. Having a solid relationship with your banker will be instrumental in developing a strategic plan to determine where your business is going. Be realistic in your projections. It's good to think big, but don't overstate your business when pitching your story to potential financial interests. No one wants to stifle your enthusiasm, but contain it. Bankers want to see a package that makes sense; that means allowing for hiccups and bumps in the road.
Mission Valley Bank Valencia Office 775-4112 Centre Pointe Business Banking Office 253-9500 www.missionvalleybank.com
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