SBA Loans in Manhattan, NY
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
SBA loans in Manhattan, NY from StartCap give you the financial flexibility to grow your business. Our tailored solutions and expert assistance make funding stress-free. Build your dreams with a reliable partner 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 Manhattan SBA Loans
At StartCap, we understand that each business is unique. That’s why we offer flexible financing solutions to businesses in New York County, designed to meet your specific needs and help you thrive in a competitive market.
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 Manhattan or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Manhattan, NY
For those in Manhattan and nearby areas, flexible financing options are available to help you grow. Entrepreneurs can find the right support to move forward and overcome any challenges. From New York to Fort Lee and beyond, we're your credit line specialists.
SBA Loan FAQ's
Manhattan's dynamic business ecosystem thrives with innovative small business financing solutions. Securing Small Business Administration (SBA) loans requires strategic research through New York's competitive lending marketplace, especially for founders seeking capital near Wall Street and the Financial District.
Here are a few local suggestions:- Chase Bank at 270 Park Avenue & East 47th Street
- Wells Fargo at 200 West Street & Chambers Street
- Bank of America at 522 Fifth Avenue & West 43rd Street
- Citibank at 388 Greenwich Street & Laight Street
- TD Bank at 540 Broadway & Spring Street
- Community Capital New York at 120 Broadway & Cedar Street
Local lenders understand Manhattan's startup infrastructure, offering diverse SBA loan types including 7(a) working capital programs, 504 commercial real estate financing, and microloans tailored for emerging businesses. These specialized financial products support equipment purchases, inventory expansion, and operational expenses across diverse industry sectors.
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 Manhattan, 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 Manhattan, 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.
Manhattan's SBA loan landscape caters to diverse businesses, from tech startups to local service providers near Wall Street and Chelsea. Retail shops, restaurants, professional services, and small manufacturing enterprises in NY often qualify for financing through programs like 7(a) and 504 loans.
Specific eligibility requirements include operating primarily in Manhattan County, maintaining solid credit scores, and demonstrating revenue potential. Service-based businesses such as plumbing contractors, electrical firms, and marketing agencies frequently secure funding from New York's Small Business Administration networks.
