SBA Loans in Asheville, NC
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
Empower your small business with SBA loans in Asheville, NC from StartCap. Flexible terms and expert assistance make financing your dreams simple. Let’s work together to fuel your success today.
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 Asheville SBA Loans
StartCap offers businesses in Buncombe County customized financial solutions to help them achieve their growth goals. Whether you need support for expansion, innovation, or managing cash flow, we provide the resources to make it happen.
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 Asheville or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Asheville, NC
In Asheville and nearby cities, entrepreneurs can access the resources they need to grow their ventures. Our solutions are designed to provide both flexibility and long-term success. From Woodfin to Erwin and beyond, we're your credit line specialists.
SBA Loan FAQ's
Asheville, NC thrives with mountain-inspired entrepreneurial spirit, drawing business innovators to its Blue Ridge backdrop. Small business founders seeking financial support for growth often explore Small Business Administration (SBA) loan options tailored for regional economic development.
Here are a few local suggestions:- HomeTrust Bank at Biltmore Avenue & Patton Avenue
- First Citizens Bank at College Street & Haywood Road
- Wells Fargo at Broadway Street & Chestnut Street
- Pinnacle Bank at Merrimon Avenue & Charlotte Highway
- The Asheville Savings Bank at Hendersonville Road & Tunnel Road
- Tryon Bank at North Main Street & Pearson Drive
Local SBA lending resources provide crucial support for new business owners, offering loan types including 7(a), 504, and microloans designed for equipment purchases, real estate acquisitions, and working capital investments throughout Western North Carolina's dynamic economic environment.
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 Asheville, 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 Asheville, 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 Asheville's dynamic economic landscape, SBA loans support diverse businesses across Buncombe County. Local restaurants, craft breweries, retail shops, and professional services like HVAC contractors and plumbing businesses frequently qualify for Small Business Administration funding programs targeting growth-oriented enterprises.
Qualifying businesses must meet specific criteria including operational time in NC, credit requirements, and demonstrable revenue potential. Tourism-related ventures, art galleries, technology startups, and service-based operations near downtown Asheville often find substantial opportunities through SBA loan infrastructure designed to bolster regional economic development.
