SBA Loans in Chico, 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
Empower your business with SBA loans in Chico, CA through StartCap. Our expert team ensures a smooth process, helping you secure funding to fuel your goals. Take the first step toward success with our trusted solutions.
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 Chico SBA Loans
StartCap helps businesses in Butte County thrive by offering a range of financial solutions designed to meet their needs. Whether you're looking to expand, improve cash flow, or take on new projects, we’ve got you covered.
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 Chico or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Chico, CA
For entrepreneurs in Chico and neighboring cities, financial support is available to turn your ideas into reality. Our customized solutions provide the tools you need to grow. From Durham to Palermo and beyond, we're your credit line specialists.
SBA Loan FAQ's
Chico, CA thrives with agricultural innovation and tech startups, creating an entrepreneurial ecosystem where local business owners seek strategic financial resources. The Small Business Administration (SBA) loan market in Butte County offers diverse funding opportunities for new business owners looking to expand or launch enterprises.
Here are a few local suggestions:- North Valley Bank at Main Street & Broadway
- Golden Valley Bank at Mangrove Avenue & East Avenue
- Tri Counties Bank at Nord Avenue & Cohasset Road
- Sierra Central Credit Union at Pillsbury Road & Skyway
- Community Bank of the Pacific at 2nd Street & Wall Street
- Butte Community Bank at Esplanade & East Avenue
SBA loan programs like 7(a), 504, and microloans provide flexible financing for equipment purchases, working capital, real estate acquisition, and startup costs. Local founders can explore multiple lending channels to secure appropriate funding aligned with their business growth strategies in California's diverse economic 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 Chico, 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 Chico, 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.
Chico's local business ecosystem attracts SBA loan opportunities for diverse enterprises in Butte County, CA. Small service providers like plumbing contractors, HVAC specialists, and lawn care businesses frequently qualify for financing through the Small Business Administration's supportive programs.
Retail shops, professional consulting firms, and agricultural-related businesses near Sacramento River Valley also meet SBA lending criteria. Manufacturing startups, technology ventures, and hospitality establishments in downtown Chico can access these critical financial resources to fuel growth and expansion.
