SBA Loans in Santa Cruz, 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 Santa Cruz, CA are a vital resource for growing businesses. StartCap provides expert guidance and flexible options to meet your financial needs. Start building a stronger future for your business 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 Santa Cruz SBA Loans
StartCap is proud to help businesses in Santa Cruz County succeed by offering flexible financing solutions designed to meet your unique needs. Our team is committed to providing the capital and support your business deserves.
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 Santa Cruz or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Santa Cruz, CA
For entrepreneurs in Santa Cruz and nearby cities, financial resources are available to help you succeed. Custom solutions are available to scale your business and achieve success. From Soquel to Saratoga and beyond, we're your credit line specialists.
SBA Loan FAQ's
Santa Cruz, CA breathes innovation with its surfing culture and tech-friendly ecosystem, creating an ideal backdrop for business growth. Local founders seeking SBA loan opportunities will find multiple resources tailored to their financing requirements in this coastal California county.
Here are a few local suggestions:- Wells Fargo at Ocean Street & Water Street
- Santa Cruz Community Credit Union at Pacific Avenue & Walnut Avenue
- River Bank at Front Street & Cedar Street
- Silicon Valley Bank at Water Street & Cooper Street
- Lighthouse Bank at Pacific Avenue & Locust Street
- California Coast Credit Union at Mission Street & Bay Street
SBA loan programs like 7(a), 504, and microloans offer diverse funding solutions for equipment purchases, working capital, real estate acquisitions, and startup costs. Local business owners can explore these options through community banks and credit unions serving Santa Cruz's dynamic 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 Santa Cruz, 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 Santa Cruz, 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.
Santa Cruz County hosts numerous businesses eligible for SBA loans, ranging from coastal hospitality ventures to specialized service providers. Local startups in beach tourism, restaurant management, and professional services often qualify for financial support through Small Business Administration programs.
Retail establishments, manufacturing firms, construction contractors, and technology-driven enterprises around Monterey Bay frequently access SBA funding. Plumbing companies, HVAC specialists, and landscaping businesses within Santa Cruz can leverage these loan opportunities to expand operational capabilities and regional economic growth.
