Start-Up Business Loans in Hickory, NC
Ignite your idea's rocket boosters with up to $500,000
+ $20,000 in free digital marketing services
Start Your New Business Right
Launching a new venture is thrilling, but financial obstacles can make it hard to get off the ground. With a start-up business loan in Hickory, NC, and the right support team, the only limit is the one you set.
No Collateral? No Problem!
No need to pledge your spaceship—our unsecured loans are designed to let you focus on launching, not stressing.
Terms up to 10 Years
From liftoff to cruising altitude, our repayment options stretch up to 10 years, giving your business room to grow.
Funding at Light Speed2
Need funds fast? We’ll deliver in record time—because the universe waits for no entrepreneur.
Hickory Business Loan Options
StartCap helps businesses grow with funding and tailored solutions. Let’s turn your vision into reality and make your goals a reality!
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 Hickory or nationwide.
Here's a truck load of stuff to get kicked off
Find Start-Up Business Loans
Near Hickory, NC
Entrepreneurs in Hickory and Catawba County, StartCap is here to help you succeed. Explore the nearby cities we serve and let’s make your dreams come true! From Conover to Mooresville and beyond, we've got you covered.
Start-Up Loan FAQ's
Hickory, NC pulses with entrepreneurial spirit, embodying the essence of innovation near the foothills of North Carolina. Securing start-up business loans often feels like scaling a financial mountain, with traditional local lenders presenting rigorous barriers for new business owners seeking capital.
StartCap understands the intricate landscape of business financing in Catawba County. Typical loan requirements include solid credit scores, comprehensive business plans, collateral, and demonstrable revenue potential, which can create substantial hurdles for emerging enterprises.
Here are a few local suggestions:- First Citizens Bank at Main Street & 7th Avenue
- Cornerstone Bank at Highway 70 & 9th Street
- Catawba Valley Credit Union at 1st Street & Center Street
- HomeTrust Bank at 12th Street & Lenoir Road
- Southern Bank at Highland Avenue & 2nd Street
- BB&T (now Truist) at 16th Street & Blowing Rock Boulevard
Interest rates for start-up business loans in Hickory, 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 Hickory, which are popular for new businesses, generally have rates ranging from 7% 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. Alternatively, many business & personal credit cards have introductory rates starting at 0% for up to 2 years.
No, not always—it depends on the type of loan you're applying for. Some funding options require business registration, while others focus on personal credit, income, or assets instead. If your business isn’t registered yet, don’t worry! We can either guide you through the registration process or explore funding alternatives that don’t require it.
Yes, Hickory, NC offers several local start-up grants for entrepreneurs. The City of Hickory Economic Development Department provides targeted funding opportunities through small business assistance programs designed to support local innovation and growth in North Carolina's business ecosystem.
Key local grant options include Catawba County's micro-enterprise grants, Western Piedmont Council of Governments entrepreneurial support funds, and the Hickory Young Professionals Network small business development resources. Local banks and community foundations also occasionally offer competitive startup financing for promising regional business concepts.
