SBA Loans in Brainerd, MN
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
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Great Rates, Less Requirements & Smaller Down Payments
StartCap’s SBA loans in Brainerd, MN are tailored for small business success. With flexible terms and competitive rates, we provide the tools you need to grow. Build your business with trusted financial solutions.
Rates as Low as 6%
Yes, you read that correctly—access SBA loans with competitive rates that help your business thrive.
Terms up to 25 Years
Enjoy long repayment terms, giving you the flexibility to manage your cash flow over time.
Flexible Uses
Use your SBA loan for working capital, equipment, real estate, or other business expenses.
We're More Than Brainerd SBA Loans
StartCap’s financing solutions are designed to help businesses in Crow Wing County grow and succeed. We offer personalized funding options that allow you to scale, innovate, and manage cash flow, all with the support you need.
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 Brainerd or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Brainerd, MN
For entrepreneurs in Brainerd and surrounding areas, financial solutions are available to help you grow. Our customized support is designed to meet your unique business needs and objectives. From Baxter to Zimmerman and beyond, we're your credit line specialists.
SBA Loan FAQ's
Brainerd, Minnesota sits amid pine forests and lakes, offering a dynamic business environment for founders seeking financial support. Small business owners exploring SBA loan opportunities find multiple local resources across Crow Wing County's economic ecosystem.
Here are a few local suggestions:- Brainerd State Bank at North 6th Street & Laurel Street
- Affinity Plus Federal Credit Union at College Drive & Washington Street
- Mille Lacs Bank at South 6th Street & Maple Avenue
- Central Lakes Credit Union at Washington Street & North 5th Avenue
- First National Bank at Front Street & Laurel Street
- Crow Wing Power Credit Union at South 6th Street & Pine Street
SBA loan programs like 7(a), 504, and microloans provide excellent financing options for equipment purchases, working capital, real estate acquisition, and startup costs. Local business owners can leverage these flexible funding solutions to accelerate growth and stabilize their financial foundations.
Note: StartCap is not associated with the above lenders in any way. Contact your local branch for the most accurate information & requirements.Interest rates for SBA loans in Brainerd, 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 Brainerd, which are popular for new businesses, generally have rates ranging from 6% 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.
Yes, your business needs to be registered with the state to qualify for SBA funding. However, to receive funding from StartCap, your business doesn't need to be registered with the state. We can help you explore alternative funding options that rely more on personal credit, income, or assets if you're not registered. Or, we can help you to get registered.
In Brainerd, Crow Wing County, MN businesses spanning retail, hospitality, service industries, and manufacturing often qualify for SBA loans. Local start-ups near the Mississippi River corridor frequently access financing through programs tailored for small enterprises operating within Minnesota's economic development zones.
Service-based businesses like plumbing contractors, HVAC specialists, electricians, and landscaping companies frequently leverage SBA loan opportunities. New business owners in sectors including restaurants, professional services, and light industrial operations can explore funding options through local financial institutions near downtown Brainerd.
