SBA Loans in Gilroy, CA
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
Get Pre-Approved
Great Rates, Less Requirements & Smaller Down Payments
At StartCap, SBA loans in Gilroy, CA are designed to simplify funding for small businesses. Competitive rates and expert support ensure your growth goals are met. Take the first step toward success with us.
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 Gilroy SBA Loans
StartCap helps businesses in Santa Clara County succeed by offering financial solutions that cater to their unique needs. Whether you need capital for expansion, cash flow management, or innovation, we are here to support you.
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 Gilroy or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Gilroy, CA
Entrepreneurs in Gilroy and surrounding cities can access the support they need to grow. Our flexible financial solutions are tailored to meet the needs of every entrepreneur. From San Martin to Capitola and beyond, we're your credit line specialists.
SBA Loan FAQ's
Gilroy, California's agricultural heartland and garlic capital harbors a dynamic business ecosystem where local founders seek strategic financial support. Small business owners exploring SBA loan opportunities find themselves weighing multiple lending options across Santa Clara County's entrepreneurial landscape.
Here are a few local suggestions:- Wells Fargo Bank at Monterey Road & Sixth Street
- Bank of America at Miller Avenue & First Street
- Silicon Valley Bank at Monterey Highway & Church Street
- Chase Bank at Monterey Road & Fifth Street
- FirstBank at Tenth Street & Santa Teresa Boulevard
- Mechanics Bank at Monterey Road & Eighth Street
SBA loan programs like 7(a), 504, and microloans provide critical funding for equipment purchases, real estate acquisitions, working capital, and business expansion. Local lenders understand Gilroy's agricultural and commercial nuances, offering tailored financial solutions for emerging enterprises seeking sustainable growth.
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 Gilroy, 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 Gilroy, 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.
In Santa Clara County's agricultural hub, Gilroy businesses spanning retail, agriculture, food processing, and service industries often qualify for SBA loans. Local start-ups near the famous Garlic Festival grounds can access funding through programs like 7(a), 504, and microloans tailored to small enterprise growth.
Restaurant owners, HVAC contractors, electrical service providers, and specialty food manufacturers in this Silicon Valley region frequently meet SBA lending criteria. Business owners near Highway 101 should examine their operational history, credit scores, and detailed business plans when pursuing these critical financial resources.
