Start-Up Business Loans in Ontario, CA
Ignite your idea's rocket boosters with up to $500,000
+ $20,000 in free digital marketing services
Start Your New Business Right
Launching a business is one of life's greatest adventures, but financial hurdles can make it feel impossible. With a start-up business loan in Ontario, CA, and the right team, there are no limits to what you can achieve.
No Collateral? No Problem!
No need to pledge your spaceship—our unsecured loans are designed to let you focus on launching, not stressing.
Terms up to 10 Years
From liftoff to cruising altitude, our repayment options stretch up to 10 years, giving your business room to grow.
Funding at Light Speed2
Need funds fast? We’ll deliver in record time—because the universe waits for no entrepreneur.
Ontario Business Loan Options
Take the first step toward success with StartCap. From funding to expert advice, we’re here to help your business thrive.
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 Ontario or nationwide.
Here's a truck load of stuff to get kicked off
Find Start-Up Business Loans
Near Ontario, CA
From Ontario to the rest of San Bernardino County, StartCap is helping businesses grow with expert resources and funding. Check out nearby cities we serve and launch your success! From Upland to San Dimas and beyond, we've got you covered.
Start-Up Loan FAQ's
Launching a business in Ontario, CA requires financial fuel, and startup business loans can be tricky to secure. Traditional lenders often view new entrepreneurs with skepticism, making funding feel like trying to teach a cat to tap dance. Local financial institutions typically demand extensive documentation, perfect credit scores, and collateral that could make even seasoned business owners sweat.
Here are a few local suggestions:- Citizens Business Bank at Euclid Ave & Fourth Street
- Ontario National Bank at Mountain Ave & Holt Boulevard
- California Credit Union at Haven Ave & Fourth Street
- First Foundation Bank at Inland Empire Boulevard
- Torrey Pines Bank at Ontario Mills Parkway
StartCap recognizes the entrepreneurial spirit burning bright in San Bernardino County. We offer simplified startup business loans without mountains of paperwork. Our approach focuses on potential, passion, and your business vision rather than drowning you in bureaucratic red tape. Unlike traditional lenders, we celebrate innovative ideas and want to see local entrepreneurs transform their dreams into reality.
Note: StartCap is not associated with the above lenders in any way. Contact your local branch for the most accurate information & minimum requirements.Interest rates for start-up business loans in Ontario, 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 Ontario, which are popular for new businesses, generally have rates ranging from 7% 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. Alternatively, many business & personal credit cards have introductory rates starting at 0% for up to 2 years.
No, not always—it depends on the type of loan you're applying for. Some funding options require business registration, while others focus on personal credit, income, or assets instead. If your business isn’t registered yet, don’t worry! We can either guide you through the registration process or explore funding alternatives that don’t require it.
Yes, Ontario, CA offers several startup grant opportunities for local entrepreneurs. The City of Ontario Economic Development Department provides targeted funding resources for small businesses looking to establish roots in the region. Local programs prioritize innovation and economic growth through strategic financial support.
Specific grant options include the Ontario Small Business Microloan Program, which offers up to $50,000 for qualifying businesses. The California Small Business Development Center also administers competitive grants for emerging companies. Additionally, the Ontario Chamber of Commerce connects entrepreneurs with regional funding opportunities and mentorship networks.
