SBA Loans in Lowell, MA
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 Lowell, MA are accessible and straightforward with StartCap. Our expert team ensures you have the financial resources needed to grow your business. Partner with us for dependable support and guidance.
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 Lowell SBA Loans
StartCap is dedicated to helping businesses in Middlesex County reach their full potential. Our range of financial solutions is designed to provide the support and resources needed to achieve your business goals.
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 Lowell or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Lowell, MA
In Lowell and surrounding areas, entrepreneurs are empowered to grow and succeed with customized financial solutions. Our flexible resources are designed to support your goals and drive success. From Pinehurst to Reading and beyond, we're your credit line specialists.
SBA Loan FAQ's
Lowell, MA, a city with a rich industrial heritage along the Merrimack River, offers dynamic support for local business founders seeking financial growth. Small business owners exploring SBA loan opportunities will find multiple resources tailored to their specific funding requirements within Middlesex County's economic ecosystem.
Here are a few local suggestions:- Merrimack Valley Bank at Merrimack & Warren Streets
- Enterprise Bank at Chelmsford Street & Pine Street
- Lowell Five Cent Savings Bank at Central Street & John Street
- Digital Federal Credit Union at Drum Hill Road & Chelmsford Street
The SBA loan landscape in Massachusetts provides multiple financing options, including 7(a) loans for working capital, equipment purchases, and real estate acquisitions. Local start-ups can leverage these flexible funding mechanisms to transform innovative concepts into sustainable business models across various industries.
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 Lowell, 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 Lowell, 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 businesses in Lowell, MA find diverse SBA loan opportunities across multiple sectors. Manufacturing, technology startups, service-based enterprises like plumbing and electrical contractors, and retail establishments around the Merrimack River frequently qualify for federal small business financing programs.
Local business owners near the Hamilton Canal District can access SBA 7(a), 504, and microloan programs depending on company size, credit history, and specific operational requirements. Restaurants, professional services, construction firms, and healthcare-related businesses often meet eligibility criteria for Small Business Administration support.
