SBA Loans in Cambridge, MA
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 brings accessible SBA loans to Cambridge, MA, offering small businesses the tools needed to grow. Our flexible terms and tailored support make funding your vision easy. Take your business to new heights today.
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 Cambridge SBA Loans
StartCap supports businesses in Middlesex 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 Cambridge or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Cambridge, MA
For entrepreneurs in Cambridge and beyond, financial solutions are tailored to meet your needs. We offer the support necessary to help you grow and succeed in today’s competitive market. From Somerville to Malden and beyond, we're your credit line specialists.
SBA Loan FAQ's
Cambridge, MA bursts with academic energy and innovation, hosting world-renowned institutions like MIT and Harvard. Small business founders seeking financial support for their ventures often explore SBA loan opportunities through local financial institutions specializing in strategic business funding.
Here are a few local suggestions:- East Cambridge Savings Bank at Third Street & Binney Street
- Cambridge Trust Company at Harvard Square & Massachusetts Avenue
- Metro Credit Union at Cambridge Street & Prospect Street
- Bank of Cambridge at Main Street & Kendall Square
- Enterprise Bank at Cambridge Park Drive & First Street
- Middlesex Savings Bank at Mount Auburn Street & Brattle Street
SBA loans in Massachusetts typically cover working capital, equipment purchases, real estate acquisitions, and expansion projects. Local business owners can explore various programs like 7(a) loans, 504 development loans, and microloans tailored to different business scaling 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 Cambridge, 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 Cambridge, 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.
Cambridge, MA offers diverse Small Business Administration (SBA) loan opportunities for local enterprises. Startups in technology, healthcare, education, and professional services near Harvard Square often qualify for federal funding support. Retail establishments, service-based businesses like plumbing contractors, and innovative tech firms in Kendall Square frequently meet SBA criteria.
Local founders in MA seeking financial assistance must demonstrate strong business plans, creditworthiness, and operational sustainability. Manufacturing companies, consulting firms, and restaurant businesses near MIT can leverage SBA loan programs. Eligibility depends on factors like business size, revenue, and industry classification specific to Middlesex County regulations.
