SBA Loans in Kettering, OH
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
Fuel your business ambitions with SBA loans in Kettering, OH from StartCap. Our simplified process and flexible options give you the financial tools you need to grow. Achieve your business goals 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 Kettering SBA Loans
StartCap supports businesses in Montgomery County with dynamic financial solutions. Whether you're looking to expand, manage cash flow, or invest in new opportunities, our customizable options are designed to help you achieve your vision.
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 Kettering or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Kettering, OH
In Kettering and its neighboring cities, entrepreneurs have the opportunity to access a wide range of financial resources that can make all the difference in reaching their business goals. From Oakwood to Trotwood and beyond, we're your credit line specialists.
SBA Loan FAQ's
Kettering, OH, situated in Montgomery County, harbors a dynamic business ecosystem where local founders seek strategic financial support through Small Business Administration (SBA) loans. The city's economic landscape offers multiple opportunities for new business owners exploring funding solutions tailored to regional commercial growth.
Here are a few local suggestions:- First Financial Bank at Far Hills Avenue & Dorothy Lane
- Fifth Third Bank at Wilmington Pike & Far Hills Avenue
- Wright-Patt Credit Union at Woodman Drive & Patterson Road
- Kettering National Bank at Stroop Road & Far Hills Avenue
- US Bank at Miami Valley Center Drive
- Huntington Bank at Town & Country Shopping Center
SBA loans in Kettering range from working capital and equipment financing to commercial real estate purchases. Local entrepreneurs can access 7(a) loans, 504 development loans, and microloans designed to support diverse business needs across manufacturing, service, and retail sectors in the Greater Dayton metropolitan area.
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 Kettering, 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 Kettering, 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 business owners in Kettering, Montgomery County, OH seeking SBA loans typically include restaurants, professional services, retail shops, and local contractors. Manufacturing firms and technology startups within the Greater Dayton metropolitan area also qualify for these financial support programs.
Service-based businesses like plumbing companies, electrical contractors, HVAC specialists, and landscaping enterprises frequently access Small Business Administration funding. Medical practices, automotive repair centers, and professional consulting firms in the Kettering region can leverage these loan opportunities to expand operations.
