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Small Business Loans in Thousand Oaks: Options, Rates, Requirements

A quick look at Thousand Oaks itself and the financing options available to small businesses.

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Thousand Oaks Small Businesses

Thousand Oaks is a city located in southeastern Ventura County, California, in the United States. It was named after the many oak trees that grow in the area, and the city seal is adorned with an oak. The city forms the core of the Conejo Valley, which includes Thousand Oaks proper, Newbury Park, Westlake Village, Agoura Hills, and Oak Park. The Los Angeles County–Ventura County line crosses at the city's eastern border with Westlake Village. The population was estimated to be 129,339 in 2019, up from 126,683 at the 2010 census. The economy of Thousand Oaks is driven by a mix of industries, including retail, technology, financial services, and healthcare. The city is home to many corporate headquarters, including Amgen, Teledyne Technologies, and Jacobs Engineering Group. Thousand Oaks is also home to several shopping malls, including The Oaks, Janss Marketplace, and The Promenade at Westlake. Small businesses play a significant role in the economy of Thousand Oaks. According to the most recent data from the U.S. Census Bureau, there are 5,735 small businesses in the city, accounting for 99.7 percent of all businesses in the city. The top industries for small businesses in Thousand Oaks are retail trade, health care, and professional, scientific, and technical services. There are a number of programs and resources available to small businesses in Thousand Oaks. The City of Thousand Oaks offers a Small Business Assistance Program, which provides financial assistance to small businesses for a variety of purposes, including start-up costs, expansion, and equipment purchases. The Thousand Oaks Chamber of Commerce also offers a number of resources and programs for small businesses, including networking events, business education seminars, and marketing opportunities.

Our Expertise

SBA 7(a) Loans connects small business owners in Thousand Oaks with lenders across the country who are prepared to offer the very best terms to support their businesses.

If you are planning to buy commercial real estate or equipment, or if you need access to repair capital, SBA 7(a) loans are some of the best options available. Boasting favorable terms and low rates, these financing vehicles can provide up to $5 million for your business plans.

Our experienced team will provide you with the very best terms from our network of lenders to ensure your business has what it needs to succeed. We offer this service completely free of charge, both in Thousand Oaks.

Looking for information about Thousand Oaks? Read on below. Otherwise, click the button below, and we’ll get right back to you with your free SBA 7(a) loan quote.

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Small Business Loans in Thousand Oaks

There are many options for small business loans in Thousand Oaks. The Small Business Administration (SBA) offers several loan programs that can be used for a variety of purposes, including working capital, equipment, and real estate. SBA loans are backed by the government, so they typically have lower interest rates and longer repayment terms than other types of loans.

Compare current SBA Loan Rates for Thousand Oaks

Loan TypeInterest RateRepayment TermLoan Amount
SBA 7(a)10.33% - 12.32%7 - 25 years$5,000 - $5 million
SBA 5048.08% ± 1%10 - 20 years$125,000 - $20 million
SBA Express12.58% - 14.58%7 - 25 years$25,000 - $350,000
Based on current Prime Rate, 8%. Last updated Mar 24, 2023
We remove the barriers between borrowers and the right financing.
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Get an SBA 7(a) Loan in Thousand Oaks

The SBA 7(a) loan program is the Small Business Administration’s most popular loan program. It can be used for a variety of different purposes, from working capital to equipment and even real estate. An SBA 7(a) loan’s interest rate is generally lower than interest rates on conventional loans. Loan terms are also longer than most conventional loans, which keeps monthly debt service costs low. SBA 7(a) loans are capped at $5 million.

Get an SBA 504 Loan in Thousand Oaks

The SBA 504 program is aimed at businesses looking to acquire heavy equipment or fixed assets or for purchasing or developing real estate. Loan terms are typically up to 10 years for equipment purchases and 20 years for real estate, and interest rates are generally lower than most conventional financing options. SBA 504 loans cap at $5 million, though small manufacturers may receive up to $5.5 million through this program.

Get an SBA Express Loan in Thousand Oaks

SBA’s Express Loan program are designed for speed: While loans max out at $350,000, the application turnaround time is just 36 hours. This convenience does not come for free, with interest rates generally higher — and repayment schedules typically shorter — than other SBA loan types, which increases the cost of debt service.

If you are interested in applying for a small business loan in Thousand Oaks, we’ll match you with the best lender: click here

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