SBA Loans in Charleston, SC
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
Let StartCap’s SBA loans in Charleston, SC fuel your small business success. From competitive rates to seamless applications, we make funding stress-free. Take your business to new heights with us 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 Charleston SBA Loans
StartCap empowers businesses in Charleston County with financial solutions that foster growth and development. Whether you're scaling up or managing cash flow, we offer the tools necessary to take your business to the next level.
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 Charleston or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Charleston, SC
Entrepreneurs in Charleston and nearby cities can benefit from financial resources that are tailored to help them succeed. Customized solutions are available to help grow your business with ease. From Mount Pleasant to Burton and beyond, we're your credit line specialists.
SBA Loan FAQ's
Charleston, SC bursts with historical charm and entrepreneurial spirit, creating a magnetic environment for business growth. Local founders seeking financial support for their ventures often explore Small Business Administration (SBA) loan opportunities throughout the Lowcountry region.
Here are a few local suggestions:- Wells Fargo at King Street & Calhoun Street
- Bank of America at East Bay Street & Broad Street
- FirstLight Federal Credit Union at Coleman Boulevard & Mathis Street
- Charleston State Bank at Meeting Street & Wraggborough Lane
- South State Bank at Daniel Island Drive & River Landing Drive
- Pinnacle Financial Partners at Ashley River Road & Sam Rittenberg Boulevard
SBA loan programs like 7(a), 504, and microloans support various business needs including equipment purchases, working capital, real estate acquisition, and startup costs. Local new business owners can leverage these financing options to transform innovative concepts into sustainable enterprises across Charleston's dynamic economic ecosystem.
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 Charleston, 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 Charleston, 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.
Charleston's SBA loan landscape covers diverse businesses across the Holy City's economic spectrum. Local restaurants, retail shops, professional services, and hospitality establishments in Charleston County often qualify for Small Business Administration financing through various program channels.
Service-based industries like HVAC contractors, plumbing businesses, electrical firms, and landscaping companies in SC frequently meet SBA loan requirements. Manufacturing, technology startups, and construction enterprises near historic downtown Charleston also represent prime candidates for federal small business funding opportunities.
