SBA Loans in Irvine, 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
SBA loans in Irvine, CA are a smart way to fund your business’s growth. StartCap offers flexible options and expert guidance, ensuring your funding process is stress-free. Start building your success 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 Irvine SBA Loans
StartCap delivers financial support to businesses in Orange County with options that help you grow and succeed. Our solutions are designed to be flexible and adaptable, helping you achieve your goals and tackle any challenges that arise.
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 Irvine or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Irvine, CA
For entrepreneurs in Irvine and surrounding areas, financial tools are available to help you grow. Our flexible solutions are designed to meet the specific needs of each entrepreneur. From Tustin to Orange and beyond, we're your credit line specialists.
SBA Loan FAQ's
Irvine's dynamic business ecosystem thrives with numerous financial resources for local start-ups seeking SBA loan opportunities. The city's strategic location in Orange County provides founders with multiple lending channels designed to support emerging businesses across diverse industries.
Here are a few local suggestions:- Wells Fargo Bank at Jamboree Road & Bridge Street
- Bank of America at University Drive & Campus Drive
- Chase Bank at Alton Parkway & Barranca Parkway
- City National Bank at Irvine Center Drive & Sequoia Circle
- First Republic Bank at Technology Drive & Jamboree Road
- Pacific Western Bank at Bake Parkway & Barranca Parkway
SBA loan programs like 7(a), 504, and microloans offer critical financial support for equipment purchases, working capital, and real estate acquisitions. Local business owners can leverage these flexible funding options to accelerate growth and establish sustainable operational strategies in CA's competitive commercial 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 Irvine, 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 Irvine, 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 Irvine's competitive business ecosystem, SBA loans support diverse enterprises across Orange County. Local service providers like HVAC contractors, plumbing businesses, and landscaping companies frequently qualify for Small Business Administration financing through approved lenders in CA.
Technology startups, professional service firms, and retail establishments within the Irvine Spectrum Center area often meet SBA loan requirements. Qualifying businesses must demonstrate strong credit profiles, operational history, and potential for sustainable growth in Southern California's dynamic economic environment.
