SBA Loans in Moorhead, MN
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’s SBA loans in Moorhead, MN are tailored for small business success. With flexible terms and competitive rates, we provide the tools you need to grow. Build your business with trusted financial 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 Moorhead SBA Loans
For businesses in Clay County, StartCap provides customized financial support to help you achieve your goals. From growth to innovation, we offer solutions designed to fuel your business’s success and long-term sustainability.
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 Moorhead or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Moorhead, MN
Entrepreneurs in Moorhead and surrounding areas can rely on financial solutions that help them grow. Our tailored support is designed to meet your needs and help you reach your full potential. From Fargo to Thief River Falls and beyond, we're your credit line specialists.
SBA Loan FAQ's
Moorhead, MN sits along the Red River with a dynamic small business ecosystem attracting innovative founders seeking financial support for their ventures. Local business owners exploring Small Business Administration (SBA) loan options find multiple channels for securing critical startup and expansion funding through regional financial institutions.
Here are a few local suggestions:- Bell Bank at Main Avenue & 8th Street
- Dacotah Bank at Center Avenue & Main Avenue
- Gate City Bank at Main Avenue & 4th Street
- First International Bank & Trust at Main Avenue & Broadway
- United Community Bank at Center Avenue & Main Street
SBA loan programs like 7(a), 504, and microloans provide opportunities for new business owners to acquire real estate, purchase equipment, manage working capital, or refinance existing business debt. Local Minnesota financial experts can guide founders through application processes tailored to specific business needs and growth strategies.
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 Moorhead, 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 Moorhead, 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 Clay County's Moorhead region access diverse SBA loan opportunities across multiple sectors. Retail establishments, professional services, restaurant ventures, and local manufacturing operations often qualify for federal small business financing programs through regional lending institutions.
Service-based enterprises like plumbing contractors, HVAC specialists, electrical companies, and commercial landscaping businesses frequently leverage Small Business Administration loan programs. Agricultural support industries and technology-focused start-ups near Minnesota State University Moorhead also benefit from targeted federal funding resources.
