SBA Loans in San Bernardino, CA
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
Get Pre-Approved
Great Rates, Less Requirements & Smaller Down Payments
Secure your business’s future with SBA loans in San Bernardino, CA through StartCap. Our flexible terms and efficient process ensure your funding journey is smooth. Take the next step toward success with 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 San Bernardino SBA Loans
Businesses in San Bernardino County trust StartCap to provide financing solutions that grow with them. We offer a range of options tailored to meet your business’s unique needs, ensuring you have the resources to 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 San Bernardino or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near San Bernardino, CA
Entrepreneurs in San Bernardino 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 Colton to Mentone and beyond, we're your credit line specialists.
SBA Loan FAQ's
San Bernardino's dynamic economic terrain offers small business owners multiple financing strategies for growth. With Silicon Valley's distant influence, local founders discover nuanced lending opportunities supporting regional commercial development through specialized SBA loan programs.
Here are a few local suggestions:- Chase Bank at Mountain View Avenue & Hospitality Lane
- California Bank & Trust at Kendall Drive & Sterling Avenue
- First Foundation Bank at Tippecanoe Avenue & Orange Street
- Citizens Business Bank at Hospitality Lane & Mountain View Avenue
- BBVA Bank at Central Avenue & Highland Avenue
- San Bernardino County Credit Union at Third Street & Arrowhead Avenue
SBA loans in CA provide critical capital for equipment purchases, working capital, real estate acquisitions, and business expansion. Local lenders understand regional economic dynamics, offering tailored financing solutions that align with San Bernardino's evolving entrepreneurial ecosystem.
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 Bernardino, 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 Bernardino, 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 San Bernardino County, CA might qualify for SBA loans across various industries. Local restaurants, retail shops, service providers like HVAC technicians and plumbing contractors, and professional services often meet initial eligibility requirements for funding through the Small Business Administration.
Manufacturing firms near the San Manuel Stadium and technology startups around downtown San Bernardino typically receive strong consideration for loan programs. Businesses demonstrating stable revenue, solid credit history, and operational presence in the California region stand excellent chances of securing SBA financial support.
