Start-Up Business Loans in Des Moines, IA
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 venture is exciting, but lack of funding can take the wind out of your sails. With a start-up business loan in Des Moines, IA, and a great support system, there's no stopping you.
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.
Des Moines Business Loan Options
Your business deserves the best support. StartCap offers tailored funding and resources to fuel your success. Let’s build something amazing!
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 Des Moines or nationwide.
Here's a truck load of stuff to get kicked off
Find Start-Up Business Loans
Near Des Moines, IA
Businesses in Des Moines and throughout Polk County, StartCap has the resources and funding you need. Explore nearby cities we support and let’s take your next step! From Pleasant Hill to Waukee and beyond, we've got you covered.
Start-Up Loan FAQ's
Securing start-up business loans in Des Moines, IA presents challenges for entrepreneurs, especially with the city's rich entrepreneurial landscape surrounding the State Capitol and robust agricultural economy. Local business owners often encounter steep hurdles when seeking initial funding, where traditional lenders frequently require extensive documentation and proven financial histories.
StartCap understands the complex financing landscape in central Iowa, recognizing that emerging businesses need flexible funding solutions. Typical requirements include detailed business plans, personal credit scores above 650, collateral, and demonstrable revenue projections for new ventures seeking financial support.
Here are a few local suggestions:- Wells Fargo at 4th Street & Grand Avenue
- Community State Bank at University Avenue & 86th Street
- Iowa Credit Union League at East Court Avenue
- Principal Bank at Downtown Des Moines
Interest rates for start-up business loans in Des Moines, 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 Des Moines, 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, Des Moines, IA offers several local startup grant opportunities for entrepreneurs. The Greater Des Moines Partnership provides targeted funding programs supporting small business innovation. Local organizations like Business Innovation Iowa and Community State Bank offer competitive microgrant options targeting early-stage enterprises.
Emerging entrepreneurs can explore specific resources through the City of Des Moines Economic Development Department. Grants ranging from $5,000 to $25,000 are available for qualifying small businesses demonstrating potential economic impact. Additional funding sources include Iowa Women's Foundation and Central Iowa Small Business Development Center grants.
