SBA Loans in Lexington, VA
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 Lexington, VA from StartCap are a smart choice for small businesses. Flexible terms and dedicated support ensure your funding needs are met. Propel your business forward with our trusted solutions.
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 Lexington SBA Loans
At StartCap, businesses in Lexington (city) County can access a variety of financing options to support their journey. Our diverse financial solutions are designed to empower entrepreneurs and help them reach their business objectives with ease.
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 Lexington or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Lexington, VA
For entrepreneurs in Lexington and surrounding areas, growth is within reach with flexible financial solutions. Our customized support is designed to help you achieve success and scale your business. From Buena Vista to Fishersville and beyond, we're your credit line specialists.
SBA Loan FAQ's
Lexington, VA, with its rich Shenandoah Valley backdrop and historic charm, offers a compelling environment for business growth. Local founders seeking SBA loan opportunities find themselves exploring various financial resources tailored to small business development in Rockbridge County.
Here are a few local suggestions:- First Bank at Main Street & Nelson Street
- Community Trust Bank at Washington Street & Jefferson Street
- Virginia National Bank at Randolph Street & Preston Street
- Shenandoah Valley Credit Union at Lee Highway & Baker Street
- Rockbridge National Bank at Main Street & Reid Street
- Blue Ridge Bank at Market Street & Washington Avenue
SBA loans in VA come in multiple formats, including 7(a), 504, and microloans designed for equipment purchases, working capital, real estate acquisition, and business expansion. Local lenders understand the unique economic dynamics of the Lexington region and can provide targeted financial guidance for new business owners.
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 Lexington, 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 Lexington, 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 Lexington, VA, local businesses spanning retail, hospitality, professional services, and agricultural enterprises can qualify for SBA loans. Rockbridge County's economic landscape supports small business growth through targeted financing options for restaurateurs, professional consultants, and service-based operations like HVAC technicians and landscaping companies.
Small business owners near Washington and Lee University may access SBA 7(a), 504, and microloan programs based on specific eligibility criteria. Manufacturing, construction firms, and local start-ups in the Shenandoah Valley region frequently leverage these financial resources to expand operations and stimulate regional economic development.
