SBA Loans in Wilmington, 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
StartCap’s SBA loans in Wilmington, NC are designed with your small business in mind. From competitive rates to expert support, we provide everything you need to succeed. Partner with us for your financial growth.
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 Wilmington SBA Loans
Businesses in New Hanover County can access StartCap’s comprehensive financial solutions tailored to their needs. Whether you’re expanding operations or optimizing cash flow, we offer the tools and support 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 Wilmington or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Wilmington, NC
For entrepreneurs in Wilmington and neighboring cities, financial support is available to turn your ideas into reality. Our customized solutions provide the tools you need to grow. From Leland to Jacksonville and beyond, we're your credit line specialists.
SBA Loan FAQ's
Wilmington's coastal business ecosystem thrives with diverse economic opportunities for local founders seeking financial support. Small enterprise owners exploring SBA loan possibilities find multiple avenues through regional financial institutions specializing in commercial lending across New Hanover County.
Here are a few local suggestions:- Live Oak Bank at Front Street & Princess Place Drive
- First Citizens Bank at Market Street & 17th Street
- BB&T/Truist at Oleander Drive & College Road
- Wells Fargo at Eastwood Road & Military Cutoff Road
- Cape Fear Credit Union at Carolina Beach Road & South 17th Street
- Atlantic Coast Bank at Independence Boulevard & Kerr Avenue
SBA loan programs in NC target diverse business needs, including 7(a) loans for working capital, equipment acquisition, and commercial real estate purchases. Local start-ups can leverage these financial resources to expand operations, stabilize cash flow, and pursue strategic growth initiatives across various industries.
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 Wilmington, 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 Wilmington, 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.
SBA loans in Wilmington, NC support diverse enterprises across New Hanover County. Small businesses in sectors like hospitality, retail, professional services, and maritime industries near Cape Fear River frequently qualify for financial assistance through federal programs.
Local founders in sectors ranging from HVAC contractors to digital marketing agencies can access tailored loan options. Seafood processors, tourism-related businesses, and professional service providers near downtown Wilmington often meet standard Small Business Administration lending requirements.
