SBA Loans in Berkeley, CA
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 makes SBA loans in Berkeley, CA simple and effective for small businesses. We offer competitive terms and personalized assistance to help you thrive. Let us help you take the next step in your business journey.
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 Berkeley SBA Loans
StartCap supports businesses in Alameda County with dynamic financial solutions. Whether you're looking to expand, manage cash flow, or invest in new opportunities, our customizable options are designed to help you achieve your vision.
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 Berkeley or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Berkeley, CA
In Berkeley and neighboring areas, entrepreneurs are equipped with the financial resources they need to succeed. Our solutions are designed to foster growth and help achieve long-term goals. From Albany to San Pablo and beyond, we're your credit line specialists.
SBA Loan FAQ's
Berkeley, CA's dynamic business ecosystem brims with innovation, attracting founders seeking strategic financial support. SBA loans offer critical funding for local start-ups navigating complex growth scenarios in this research-driven community adjacent to Silicon Valley.
Here are a few local suggestions:- First Republic Bank at Shattuck Avenue & Addison Street
- Wells Fargo at University Avenue & Shattuck Avenue
- Bank of the West at Solano Avenue & Colusa Avenue
- Chase Bank at Claremont Boulevard & College Avenue
- Mechanics Bank at San Pablo Avenue & University Avenue
- East Bay Community Bank at Bancroft Way & Telegraph Avenue
Specialized SBA loan programs like 7(a), 504, and microloans provide funding for equipment purchases, working capital, and commercial real estate investments. Local business owners can leverage these financial resources to transform innovative concepts into sustainable enterprises within Berkeley's entrepreneurial landscape.
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 Berkeley, 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 Berkeley, 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.
Berkeley's small business ecosystem attracts diverse SBA loan candidates, including technology startups, local service providers, and professional consultants near the UC Berkeley campus. Restaurants, retail shops, and professional services like plumbing, HVAC, and electrical contracting often qualify for financing through the Small Business Administration.
Local founders in Alameda County seeking SBA loans must demonstrate strong business plans, solid credit histories, and sustainable revenue models. Manufacturing firms, tech innovators, and service-based businesses along Telegraph Avenue frequently meet lending requirements for economic development support.
