SBA Loans in Folsom, CA
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
SBA loans in Folsom, CA offer the financial flexibility your business needs. StartCap provides competitive rates and expert support to help you grow. Take your business to the next level with our reliable 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 Folsom SBA Loans
StartCap offers a range of financial solutions to businesses in Sacramento County, helping them achieve their goals with flexible, customized options. Whether you’re expanding or optimizing, we provide the resources to support your success.
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 Folsom or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Folsom, CA
Entrepreneurs in Folsom and surrounding cities can access the support they need to grow. Our flexible financial solutions are tailored to meet the needs of every entrepreneur. From Orangevale to Rancho Cordova and beyond, we're your credit line specialists.
SBA Loan FAQ's
Folsom, CA harbors a dynamic small business ecosystem, with economic growth fueled by technology sectors and proximity to Sacramento. Local business owners seeking SBA loan opportunities find themselves exploring multiple financing channels tailored to support regional commercial development.
Here are a few local suggestions:- Wells Fargo at Bidwell Street & East Bidwell
- US Bank at Blue Ravine Road & Iron Point Road
- River City Bank at Placerville Road & East Bidwell
- Golden 1 Credit Union at Bidwell Street & East Natoma Street
- Mechanics Bank at East Bidwell & Green Valley Road
- Sacramento Credit Union at Placerville Road & East Bidwell
Founders investigating SBA loan options might consider working with local financial institutions understanding the nuanced business landscape of California's technology-rich regions. StartCap represents one potential resource among several specialized lending platforms designed to support emerging businesses through 7(a), 504, and microloans.
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 Folsom, 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 Folsom, 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 Folsom, California support diverse small business models across Sacramento County. Qualifying enterprises include local retail shops, professional service providers, technology startups, construction firms, and manufacturing businesses located within the greater Sacramento metropolitan area.
Service-based companies like plumbing contractors, HVAC specialists, electrical services, landscaping businesses, and professional consultants may secure financing through SBA programs. New business owners in sectors ranging from hospitality to technology can explore funding options tailored to their specific operational requirements.
