Start-Up Business Loans in Lowell, MA
Ignite your idea's rocket boosters with up to $500,000
+ $20,000 in free digital marketing services
Start Your New Business Right
Launching a business is exhilarating, but without the right funding, it can feel impossible. With a start-up business loan in Lowell, MA, and a great team, your journey could be limitless.
No Collateral? No Problem!
No need to pledge your spaceship—our unsecured loans are designed to let you focus on launching, not stressing.
Terms up to 10 Years
From liftoff to cruising altitude, our repayment options stretch up to 10 years, giving your business room to grow.
Funding at Light Speed2
Need funds fast? We’ll deliver in record time—because the universe waits for no entrepreneur.
Lowell Business Loan Options
StartCap fuels success stories every day. With funding and resources designed for businesses like yours, we’re here to help you achieve your dreams.
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 Lowell or nationwide.
Here's a truck load of stuff to get kicked off
Find Start-Up Business Loans
Near Lowell, MA
StartCap proudly supports entrepreneurs in Lowell and across Middlesex County. Check the nearby cities we serve and launch your success journey today! From Pinehurst to Reading and beyond, we've got you covered.
Start-Up Loan FAQ's
Lowell, MA, known for its historic textile mills and thriving innovation scene, presents unique challenges for entrepreneurs seeking startup business funding. Local business owners often struggle to secure loans from traditional banks, with stringent requirements like extensive credit histories, collateral, and detailed business plans creating significant obstacles.
Here are a few local suggestions:- Enterprise Bank at Merrimack Street & Warren Street
- Middlesex Savings Bank at Central Street & Merrimack Street
- Workers Credit Union at Bridge Street & Market Street
- Lowell Five Cent Savings Bank at Palmer Street & Central Street
StartCap understands the complex landscape of startup financing in Merrimack County. While traditional lenders impose strict criteria, alternative funding sources like microloan programs, local economic development grants, and specialized startup incubators can offer promising pathways for emerging businesses seeking critical initial capital investments.
Note: StartCap is not associated with the above lenders in any way. Contact your local branch for the most accurate information & minimum requirements.Interest rates for start-up business loans in Lowell, 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 Lowell, which are popular for new businesses, generally have rates ranging from 7% 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. Alternatively, many business & personal credit cards have introductory rates starting at 0% for up to 2 years.
No, not always—it depends on the type of loan you're applying for. Some funding options require business registration, while others focus on personal credit, income, or assets instead. If your business isn’t registered yet, don’t worry! We can either guide you through the registration process or explore funding alternatives that don’t require it.
Yes, Lowell, MA offers several startup grant opportunities for budding entrepreneurs. The Lowell Business Assistance Program provides targeted financial support for local small businesses, offering grants ranging from $5,000 to $25,000 for qualifying startup ventures in specific economic development zones.
Additional funding sources include the Greater Lowell Community Foundation, which allocates microloans and competitive grants for innovative business concepts. Entrepreneurs can also explore Massachusetts Growth Capital Corporation resources, which partner with local economic development agencies to provide startup funding and technical assistance for emerging businesses in Massachusetts.
