SBA Loans in Oakland, 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
SBA loans in Oakland, CA are a vital resource for growing businesses. StartCap provides expert guidance and flexible options to meet your financial needs. Start building a stronger future for your business 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 Oakland SBA Loans
StartCap supports businesses in Alameda 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 Oakland or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Oakland, CA
In Oakland and neighboring cities, entrepreneurs can benefit from financial solutions that foster growth. We offer tailored resources to help you achieve your goals and scale with confidence. From Emeryville to San Leandro and beyond, we're your credit line specialists.
SBA Loan FAQ's
Oakland, CA pulses with innovation along Lake Merritt and within its thriving tech corridors. Small business owners exploring financial resources find multiple avenues for SBA loan opportunities across Alameda County's diverse economic ecosystem.
Here are a few local suggestions:- Wells Fargo at Broadway & 14th Street
- Bank of the West at Telegraph Avenue & 51st Street
- First Republic Bank at Jack London Square
- Mechanics Bank at Grand Avenue & Lakeshore
- US Bank at Jack London Square
- Oakland Metro Credit Union near Jack London Square
SBA loan programs like 7(a), 504, and microloans support local start-ups seeking capital for equipment, real estate, working capital, and business expansion. New business founders can leverage these financing options to transform entrepreneurial dreams into sustainable commercial ventures.
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 Oakland, 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 Oakland, 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.
Oakland's diverse business ecosystem supports various enterprises seeking SBA loan opportunities. Small professional service companies, including HVAC contractors, plumbing businesses, and electrical service providers in Alameda County often qualify for funding through the Small Business Administration's lending programs.
Local retail establishments, technology startups in Jack London Square, manufacturing firms, and professional consulting agencies typically meet SBA loan requirements. Restaurants, hospitality services, and specialized trade businesses serving the greater Oakland metropolitan area can access critical financial resources through these targeted lending initiatives.
