SBA Loans in Merced, CA
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
Let StartCap’s SBA loans in Merced, CA fuel your small business success. From competitive rates to seamless applications, we make funding stress-free. Take your business to new heights 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 Merced SBA Loans
StartCap supports businesses in Merced County with tailored financial solutions designed to meet their specific needs. From expansion to cash flow management, we offer the resources you need to achieve sustainable growth.
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 Merced or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Merced, CA
Located in Merced or a nearby city? There are financial resources available to help entrepreneurs succeed. Customized solutions are designed to support growth at every stage of the journey. From Atwater to Hughson and beyond, we're your credit line specialists.
SBA Loan FAQ's
Merced, CA thrives with agricultural innovation and small business dynamism, creating a fertile ground for local founders seeking financial support through Small Business Administration (SBA) loan programs. Entrepreneurs exploring funding options in San Joaquin Valley find multiple pathways to secure critical capital for business growth and expansion.
Here are a few local suggestions:- Bank of the West at R Street & 16th Street
- Central Valley Community Bank at G Street & Olive Avenue
- Golden 1 Credit Union at M Street & 22nd Street
- Merced County Bank at Canal Street & N Street
- Wells Fargo Bank at Main Street & N Street
- First Northern Bank at K Street & 18th Street
Local lenders in Merced understand regional economic nuances and offer tailored SBA loan solutions including 7(a) loans for working capital, equipment financing, and commercial real estate purchases. New business owners can explore these strategic funding opportunities that support startup initiatives and regional economic development.
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 Merced, 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 Merced, 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 Merced, CA seeking SBA loans often include professional services, retail establishments, agricultural support companies, and local contractors. The San Joaquin Valley region provides opportunities for diverse business models ranging from HVAC specialists to agricultural technology startups.
Qualifying businesses typically need strong credit scores, operational history in Merced County, and demonstrated revenue potential. Service-based businesses like plumbing, electrical contracting, and landscaping frequently receive favorable consideration from local SBA lending partners near UC Merced.
