SBA Loans in Austin, TX
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
Get Pre-Approved
Great Rates, Less Requirements & Smaller Down Payments
Secure your business’s future with SBA loans in Austin, TX through StartCap. Our flexible terms and efficient process ensure your funding journey is smooth. Take the next step toward success with confidence.
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 Austin SBA Loans
StartCap empowers businesses in Travis County with financial solutions that foster growth and development. Whether you're scaling up or managing cash flow, we offer the tools necessary to take your business to the next level.
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 Austin or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Austin, TX
In Austin and surrounding areas, entrepreneurs can take advantage of flexible financial solutions that are tailored to help them expand and succeed. Access is easier than ever. From Hornsby Bend to Cedar Park and beyond, we're your credit line specialists.
SBA Loan FAQ's
Austin's tech-driven economy and dynamic startup ecosystem create a fertile ground for business growth, especially for founders seeking SBA loan opportunities. Local business owners in TX understand the critical role financing plays in transforming innovative ideas into successful enterprises.
Here are a few local suggestions:- Austin Telco Federal Credit Union at Congress Avenue & 4th Street
- Amplify Credit Union at Lamar Boulevard & Parmer Lane
- First Financial Bank at Burnet Road & Anderson Lane
- BOK Financial at Republic Square Park
- Frost Bank at South Congress Avenue
- Texas Community Bank at Research Boulevard
SBA loans, including 7(a), 504, and microloans, offer flexible financing for equipment purchases, working capital, and real estate investments. Local lenders in Austin understand the nuanced needs of small businesses, providing tailored solutions that align with the city's innovative entrepreneurial landscape.
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 Austin, 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 Austin, 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.
Austin's SBA loan program supports diverse businesses across Travis County, targeting local start-ups in technology, retail, service industries, and professional sectors. Small manufacturing firms, construction companies, and healthcare providers frequently qualify for funding through regional lending networks.
Service-based businesses like plumbing contractors, HVAC specialists, electricians, and landscaping companies in the Greater Austin area often secure SBA loans. Restaurants, boutique shops near South Congress Avenue, and innovative tech ventures can access critical capital through carefully structured loan programs.
