Start-Up Business Loans in Davis, CA
Ignite your idea's rocket boosters with up to $500,000
+ $20,000 in free digital marketing services
Start Your New Business Right
Starting on a new business journey ignites an unparalleled sense of passion and potential. Yet, the harsh reality is that even the most promising enterprises can crumble without adequate financial backing. By securing a strategic start-up business loan in
No Collateral? No Problem!
No need to pledge your spaceship—our unsecured loans are designed to let you focus on launching, not stressing.
Terms up to 10 Years
From liftoff to cruising altitude, our repayment options stretch up to 10 years, giving your business room to grow.
Funding at Light Speed2
Need funds fast? We’ll deliver in record time—because the universe waits for no entrepreneur.
Davis Business Loan Options
StartCap is your launchpad for success. We offer funding and resources to help your business thrive. Let’s take your vision to new heights!
From idea to orbit, we've got you covered.
No matter where you're at in your journey, we have options to help you get to the next level.
Idea-Stage
Got a brilliant idea and ready to launch? We’ll help you get registered with your state and secure the funding you need to take off.
Early-Stage
Lifting off can be tough, but it doesn’t have to be. We’re here to give your new venture the boost it needs to soar.
Well-Established
Keep operations running seamlessly with the right funding for vendors, inventory, payroll—whatever your business needs to stay on course.
+ 3-Months of Free Digital Marketing
For a limited time, our expert in-house marketing team is offering 3 months of premium marketing services—valued at $20,000—to help drive leads and sales for your start-up, whether you're in Davis or nationwide.
Here's a truck load of stuff to get kicked off
Find Start-Up Business Loans
Near Davis, CA
In Davis or around Yolo County, StartCap is your partner for funding and success. Explore nearby cities we serve and let’s fuel your business journey! From Dixon to Elverta and beyond, we've got you covered.
Start-Up Loan FAQ's
Entrepreneurs in Davis, California, understand the complexities of securing start-up business loans. Local funding opportunities can feel like solving a Rubik's cube blindfolded, with traditional lenders often hesitant to support new ventures without extensive financial history or collateral.
StartCap recognizes the funding hurdles small businesses encounter near the UC Davis campus. Typical requirements include solid business plans, personal credit scores above 680, and demonstrable revenue projections. Humorous tip: bankers might love spreadsheets more than startup founders love caffeine!
Here are a few local suggestions:- Wells Fargo at 2nd Street & G Street
- Davis Federal Credit Union at 1st Street & F Street
- River City Bank at Russell Boulevard & Research Park Drive
- California Bank of Commerce at 5th Street & L Street
Interest rates for start-up business loans in Davis, can vary widely based on the lender, loan type, and your personal credit profile. Traditional banks typically offer rates between 6% to 12% for well-qualified borrowers, though approval can be strict. SBA loans in Davis, which are popular for new businesses, generally have rates ranging from 7% to 13%, depending on the loan program. Alternative and online lenders may have higher rates, often between 6% to 30%, as they take on more risk, offer more flexible requirements, and time to funding is much faster. Alternatively, many business & personal credit cards have introductory rates starting at 0% for up to 2 years.
No, not always—it depends on the type of loan you're applying for. Some funding options require business registration, while others focus on personal credit, income, or assets instead. If your business isn’t registered yet, don’t worry! We can either guide you through the registration process or explore funding alternatives that don’t require it.
Yes, Davis, CA offers several local startup grant opportunities for emerging entrepreneurs. The UC Davis Student Startup Center provides micro-grants ranging from $1,000 to $5,000 for student-led business ventures. The City of Davis Economic Development division occasionally sponsors small business innovation funding through competitive application processes.
Additional resources include the Yolo County Small Business Development Center, which connects local founders with potential grant mechanisms and low-interest loan programs. Entrepreneurs can also explore matching grant opportunities through regional technology incubators and community economic development networks around Northern California. Networking with local chambers of commerce may reveal additional financial support channels.
