Indianapolis Business Funding

Start-Up Business Loans in Indianapolis, IN

Ignite your idea's rocket boosters with up to $500,000
+ $20,000 in free digital marketing services  

Get Pre-Approved  
No Impact on Credit!
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Written by:
Corey Showers
Funding Specialist
Edited by:
Matt Labowski
Lead Editor
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Aim for the Stars

Start Your New Business Right

Starting a business is exhilarating, but financial hurdles can feel like a never-ending challenge. With a start-up business loan in Indianapolis, IN, and a dependable team, the sky isn't the limit—it's just the start.

2-Minute Online App
Dedicated Specialist
Multiple Funding Options
No Impact on Credit to Apply
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No Collateral? No Problem!

No need to pledge your spaceship—our unsecured loans are designed to let you focus on launching, not stressing.

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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.

Like Jet Fuel for Indiana Start-Ups

Indianapolis Business Loan Options

Take your business to new heights with StartCap. We provide the funding and expertise you need to turn your vision into reality. Let’s get started!

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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.

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Top Tier; Very Cutesy; Very Demure

+ 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 Indianapolis or nationwide.

Here's a truck load of stuff to get kicked off

Domain Name
Custom Website
Logo Design
Google Ads Management
Social Media Management
GMB Setup & Optimization
Professional SEO
Web Hosting

Terms & conditions apply

Marion County

Find Start-Up Business Loans
Near Indianapolis, IN

StartCap is your partner in business success, serving Indianapolis and Marion County. Check out the nearby cities we support and take the next step! From Beech Grove to Carmel and beyond, we've got you covered.

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Start-Up Loan FAQ's

  Are there any local lenders in Indianapolis that offer start-up loans?

Indianapolis, IN pulses with entrepreneurial spirit, from the Indianapolis Motor Speedway to downtown's bustling tech scene. Startup founders often discover that securing initial business funding resembles attempting to catch greased lightning while riding a unicycle – tricky, but not impossible.

Here are a few local suggestions:
  • First Merchants Bank at Meridian & Washington Street
  • Old National Bank at Delaware & Market Street
  • Indiana Members Credit Union at Keystone & 86th Street
  • United Federal Credit Union at Michigan Road & 86th Street

Traditional lenders typically require extensive documentation, solid credit histories, and collateral that most new entrepreneurs lack. At StartCap, we recognize the creative energy driving Indiana's small business ecosystem and offer more flexible funding solutions without mountains of paperwork or impossible requirements.

Note: StartCap is not associated with the above lenders in any way. Contact your local branch for the most accurate information & minimum requirements.

Interest rates for start-up business loans in Indianapolis, 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 Indianapolis, 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, Indianapolis offers several local startup grant opportunities for entrepreneurs. The Indianapolis Economic Development Corporation provides seed funding for innovative businesses. Local banks like First Internet Bank and United Capital Partners occasionally sponsor grant programs targeting small business owners in Indiana.

Additional resources include The Startup Ladies, which awards microgrants to women-owned businesses, and the Indianapolis Small Business Development Center. Grants typically range from $1,000 to $25,000, focusing on technology, healthcare, and manufacturing sectors. Applicants must demonstrate solid business plans and local economic impact potential.

Elevate Yourself

Get Pre-Approved