SBA Loans in El Paso, TX
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 specializes in SBA loans in El Paso, TX, offering competitive options to help your small business thrive. With our guidance and financial expertise, you can focus on what matters—growing your business. Start today with StartCap.
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 El Paso SBA Loans
StartCap is committed to helping businesses in El Paso County thrive. Our flexible financing solutions are designed to support your business, giving you the financial flexibility needed to meet your goals and drive 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 El Paso or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near El Paso, TX
In El Paso and nearby cities, entrepreneurs are supported with flexible financial solutions that can help their businesses succeed. Our tailored options are designed to help you reach your goals. From Sunland Park to Las Cruces and beyond, we're your credit line specialists.
SBA Loan FAQ's
El Paso's desert terrain mirrors the challenging business funding landscape for local start-ups seeking Small Business Administration (SBA) loans. Local business owners in TX face complex financing hurdles when attempting to secure capital for expansion, equipment purchases, or operational needs.
Here are a few local suggestions:- Wells Fargo Bank at Mesa Street & Cincinnati Avenue
- El Paso Community Bank at Transmountain Road & North Gateway Boulevard
- Chase Bank at Sunland Park Drive & Gateway West Boulevard
- First National Bank at Montana Avenue & N Mesa Street
- Border Federal Credit Union at Doniphan Drive & Westwind Drive
- Mesilla Valley Bank at Viscount Boulevard & Mcrae Boulevard
Exploring SBA loan options requires strategic research and understanding of local financial institutions. Founders seeking funding might consider 7(a) loans, microloans, or CDC/504 programs designed for commercial real estate and major equipment acquisitions in the dynamic El Paso business 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 El Paso, 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 El Paso, 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 El Paso's dynamic TX business ecosystem, SBA loans support diverse local enterprises. Small businesses like service contractors, restaurant owners, retail shops, and professional services in the Franklin Mountains region can qualify. Specific industries including construction, hospitality, and technology startups often receive funding assistance.
Qualifying businesses must meet SBA size standards and operate within El Paso County. Local founders in sectors such as plumbing, electrical contracting, landscaping, and medical services typically find loan opportunities. Credit history, business plan strength, and operational duration significantly influence loan approval processes.
