SBA Loans in San Mateo, 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 San Mateo, CA are a smart way to fund your business’s growth. StartCap offers flexible options and expert guidance, ensuring your funding process is stress-free. Start building your success with us today.
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 San Mateo SBA Loans
StartCap provides businesses in San Mateo County with the necessary financial resources to succeed. We offer flexible options that support your business at every stage, helping you achieve your goals with ease and confidence.
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 San Mateo or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near San Mateo, CA
In San Mateo and neighboring areas, entrepreneurs are equipped with the financial resources they need to succeed. Our solutions are designed to foster growth and help achieve long-term goals. From Burlingame to Half Moon Bay and beyond, we're your credit line specialists.
SBA Loan FAQ's
San Mateo, CA radiates technological innovation alongside a dynamic business ecosystem where founders seek strategic financial support through Small Business Administration (SBA) loan programs. The peninsula's economic landscape offers multiple opportunities for new business owners exploring funding alternatives tailored to local commercial requirements.
Here are a few local suggestions:- Wells Fargo Bank at El Camino Real & 3rd Avenue
- Peninsula Bank at Hillsdale Boulevard & Delaware Street
- First Republic Bank at California Drive & South B Street
- Silicon Valley Bank at San Mateo Drive & 2nd Avenue
- Mechanics Bank at 4th Avenue & South B Street
- Coast Community Bank at Norwood Avenue & Delaware Street
Local SBA loan programs typically support equipment purchases, working capital, real estate acquisition, and expansion strategies for small enterprises across San Mateo County. Founders can explore 7(a), 504, and microloans designed to address specific business financing requirements with competitive terms.
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 San Mateo, 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 San Mateo, 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.
San Mateo County's diverse business ecosystem supports multiple industries seeking Small Business Administration (SBA) loan opportunities. Local founders in technology, retail, professional services, and construction sectors like plumbing, electrical contracting, and HVAC can qualify for federal funding programs.
Businesses operating near Silicon Valley with solid credit histories and demonstrable revenue potential often receive favorable loan consideration. Startup ventures, established small companies, and service-based enterprises near Highway 101 might access SBA 7(a), 504, and microloan programs tailored to regional economic development strategies.
