SBA Loans in Lodi, 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
With SBA loans in Lodi, CA, StartCap provides the financial foundation your business needs. Flexible terms and dedicated support make growth achievable. Let us power your entrepreneurial journey with ease and 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 Lodi SBA Loans
StartCap delivers flexible and tailored financial solutions to businesses in San Joaquin County. Our team works closely with you to understand your unique needs and provide funding options that help you grow and succeed.
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 Lodi or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Lodi, CA
In Lodi and neighboring cities, entrepreneurs have access to financial solutions tailored to their needs. Our flexible support helps scale businesses and achieve long-term success. From Galt to Discovery Bay and beyond, we're your credit line specialists.
SBA Loan FAQ's
Lodi, CA sits within San Joaquin County's agricultural heartland, offering dynamic business opportunities for founders seeking financial support through Small Business Administration (SBA) loan programs. The local economic environment provides multiple financing channels for new business owners looking to establish or expand their commercial ventures.
Here are a few local suggestions:- Bank of San Joaquin at Pine & School Street
- Central Valley Community Bank at Cherokee & Ham Lane
- California Bank of Commerce at Kettleman & Cherokee Lane
- Coast Central Credit Union at Lower Sacramento Road
- Farmers & Merchants Bank at Turner & Kettleman Lane
SBA loans in California typically cover equipment purchases, working capital, real estate acquisitions, and business refinancing. Local founders can explore various loan types including 7(a), 504, and microloans tailored to specific business requirements across different industry sectors in the Lodi region.
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 Lodi, 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 Lodi, 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.
Small business owners in Lodi, CA seeking SBA loans have several qualifying opportunities across diverse industries. Retail shops, restaurants, agricultural service providers, and professional services within San Joaquin County frequently meet loan requirements for agricultural support, manufacturing, and local commerce.
Service-based businesses like plumbing contractors, HVAC technicians, landscaping companies, and electrical repair services often find SBA loan programs attractive. Local start-ups near Lodi's downtown district and wineries can leverage these financial resources to expand operations and support economic growth in California's Central Valley.
