SBA Loans in Amarillo, TX
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
StartCap simplifies SBA loans in Amarillo, TX for small business owners. We offer flexible options and expert support to help your business grow. Trust us to provide the funding you need to succeed.
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 Amarillo SBA Loans
StartCap offers a range of financial solutions to businesses in Potter County, helping them achieve their goals with flexible, customized options. Whether you’re expanding or optimizing, we provide the resources to support your success.
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 Amarillo or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Amarillo, TX
For entrepreneurs in Amarillo and nearby cities, there are financial resources designed to help them grow. Our flexible solutions can meet your needs and help you achieve your goals more effectively. From Canyon to Clovis and beyond, we're your credit line specialists.
SBA Loan FAQ's
Amarillo, TX stands out with its sprawling Panhandle landscape and dynamic business ecosystem. Local founders seeking SBA loan opportunities will discover multiple financing resources tailored to regional economic development strategies. Small business owners in this region can access diverse funding mechanisms designed to support growth and expansion.
Here are a few local suggestions:- Amarillo National Bank at SW 8th & Harrison Street
- FirstBank Southwest at Coulter & Interstate 40
- Happy State Bank at Wolflin Avenue & Western Street
- Amarillo Federal Credit Union at Georgia Street & Bell Street
- Panhandle Plains State Bank at Western Street & Interstate 40
- Wells Fargo Bank at SW 9th & Tyler Street
SBA loan programs in TX range from 7(a) general business loans to microloan initiatives supporting equipment purchases, working capital, and real estate acquisitions. Local financial institutions understand the specific needs of Panhandle business development, offering personalized guidance through complex lending requirements.
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 Amarillo, 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 Amarillo, 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.
Local businesses in Amarillo, strategically positioned in the Texas Panhandle, can access diverse Small Business Administration (SBA) loan opportunities. Qualifying enterprises include restaurants, retail shops, professional services, and construction companies serving Potter and Randall counties.
Service-based industries like plumbing contractors, HVAC technicians, electrical repair businesses, and lawn care providers frequently meet SBA lending criteria. Founders operating manufacturing, agricultural supply, and technology startups near downtown Amarillo often successfully secure government-backed financing through these programs.
