SBA Loans in Modesto, 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
StartCap simplifies SBA loans in Modesto, CA for small business owners. We offer flexible options and expert support to help your business grow. Trust us to provide the funding you need to succeed.
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 Modesto SBA Loans
Businesses in Stanislaus County can count on StartCap for flexible financial solutions. We offer a range of options designed to meet your unique needs and help you grow, scale, and succeed in today’s business environment.
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 Modesto or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Modesto, CA
For those in Modesto and nearby cities, finding the right financial tools to grow is now easier than ever. Entrepreneurs can take advantage of personalized solutions designed for success. From Ceres to Turlock and beyond, we're your credit line specialists.
SBA Loan FAQ's
Modesto, CA, with its agricultural heritage and growing business ecosystem, offers a fertile ground for founders seeking financial support. Local business owners exploring Small Business Administration (SBA) loan options will find several resources tailored to their specific funding requirements.
Here are a few local suggestions:- Bank of the West at McHenry Avenue & Briggsmore Avenue
- Coast Central Credit Union at Oakdale Road & Floyd Avenue
- Modesto Teachers Credit Union at Tully Road & Rumble Road
- Community Bank of Central California at Carpenter Road & Kiernan Avenue
- Wells Fargo Bank at E Vintage Faire Road & McHenry Avenue
SBA loans in California can cover working capital, equipment purchases, real estate acquisitions, and business expansion. StartCap provides additional guidance for new business owners seeking comprehensive lending solutions beyond traditional banking channels.
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 Modesto, 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 Modesto, 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 Stanislaus County, CA find SBA loans accessible across multiple industries. Local businesses like agricultural suppliers, manufacturing firms, professional services, and restaurant establishments frequently qualify for these financial resources near the McHenry Museum area.
Qualifying businesses typically include service-based companies such as plumbing contractors, HVAC technicians, landscaping providers, and electrical service firms. Retail stores, technology startups, and professional consulting groups in downtown Modesto also meet SBA lending criteria through various loan programs.
