Start-Up Business Loans in Bakersfield, CA
Ignite your idea's rocket boosters with up to $500,000
+ $20,000 in free digital marketing services
Start Your New Business Right
There's nothing more exciting than launching a new venture. There's also nothing worse than a great venture failing from lack of capital. With the right start-up business loan in Bakersfield, CA & the right support team, the sky is not the limit. There are no
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.
Bakersfield Business Loan Options
Launching a business? StartCap is here to help. From funding to expert support, we provide the tools you need to succeed. Let’s make it happen!
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 Bakersfield or nationwide.
Here's a truck load of stuff to get kicked off
Find Start-Up Business Loans
Near Bakersfield, CA
Businesses in Bakersfield and throughout Kern County, StartCap is here with funding and expert resources. Explore nearby cities we serve and let’s achieve your goals! From Oildale to Taft and beyond, we've got you covered.
Start-Up Loan FAQ's
Bakersfield, with its oil fields and agricultural prowess, presents a complex terrain for entrepreneurs seeking startup business loans. Traditional local lenders often require extensive documentation, perfect credit scores, and substantial collateral, making the funding journey feel like navigating through a financial desert with limited water sources.
Here are a few local suggestions:- Bank of the Sierra at Chester Avenue & California Avenue
- Kern Schools Federal Credit Union at Ming Avenue & Mohawk Street
- Central Valley Community Bank at Coffee Road & Stockdale Highway
- Mission Bank at Calloway Drive & Old Farm Road
StartCap understands the local entrepreneurial spirit and recognizes that securing initial funding can be as tricky as predicting California's unpredictable agricultural yields. While we aren't always the perfect solution, our team provides transparent guidance and alternative financing strategies tailored to Kern County's dynamic small business ecosystem.
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 Bakersfield, 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 Bakersfield, 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, Bakersfield, CA offers several local startup grant opportunities for entrepreneurs. The Kern Economic Development Corporation provides seed funding programs specifically designed for small businesses in California. Local entrepreneurs can explore grants through community development initiatives and regional economic support networks.
The Small Business Administration (SBA) local office supports Bakersfield startup founders with targeted microgrant programs. Community foundations like the Kern Community Foundation offer competitive grant options for innovative business concepts. Additional resources include targeted funding from Bakersfield Chamber of Commerce connections and municipal economic development departments.
