SBA Loans in Gastonia, NC
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
SBA loans in Gastonia, NC are a reliable way to fund your small business goals. StartCap offers competitive rates and streamlined support, helping you achieve success without unnecessary delays. Secure the funding you need to take off.
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 Gastonia SBA Loans
StartCap provides businesses in Gaston County with the necessary financial resources to succeed. We offer flexible options that support your business at every stage, helping you achieve your goals with ease and confidence.
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 Gastonia or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Gastonia, NC
Entrepreneurs in Gastonia and surrounding areas can rely on financial solutions that help them grow. Our tailored support is designed to meet your needs and help you reach your full potential. From Bessemer City to York and beyond, we're your credit line specialists.
SBA Loan FAQ's
Gastonia, situated in the heart of NC's dynamic business corridor, offers a fertile ground for local start-ups seeking financial support through Small Business Administration (SBA) loans. The city's industrial heritage and growing economic ecosystem provide numerous opportunities for founders looking to secure strategic funding.
Here are a few local suggestions:- Bank of America at Main Street & Franklin Boulevard
- Wells Fargo at Hudson Boulevard & Garrison Street
- Gaston County Credit Union at Long Street & Marietta Street
- First Citizens Bank at South Street & Rankin Street
- BB&T at East Franklin Boulevard & North Street
- United Community Bank at Bessemer City Road & Long Avenue
SBA loan options like 7(a), 504, and microloans cater to different business needs, from equipment purchases and working capital to real estate acquisitions. Local lenders understand the nuanced requirements of Gaston County businesses and can provide tailored financial solutions for new business owners seeking growth opportunities.
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 Gastonia, 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 Gastonia, 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.
Small businesses in Gastonia, NC seeking SBA loans typically include restaurants, retail shops, professional services, construction companies, and local manufacturing enterprises. The Gaston County economic development landscape supports diverse businesses ranging from plumbing services to technology startups interested in federal loan assistance.
Qualifying businesses must meet SBA size standards, demonstrate financial need, and operate within Gastonia or surrounding North Carolina regions. Service-based industries like HVAC contractors, electrical companies, and lawn care providers often successfully secure these targeted funding opportunities through careful application processes.
