SBA Loans in Philadelphia, PA
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 Philadelphia, PA empower entrepreneurs with flexible terms and reliable support. Our competitive rates make funding your business goals easier than ever. Start your journey to success 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 Philadelphia SBA Loans
StartCap offers a range of financial solutions to businesses in Philadelphia County, helping them achieve their goals with flexible, customized options. Whether you’re expanding or optimizing, we provide the resources to support your success.
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 Philadelphia or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Philadelphia, PA
In Philadelphia and surrounding cities, entrepreneurs can find the financial solutions needed to scale. Our flexible support helps you meet your business goals and achieve long-term success. From Camden to Drexel Hill and beyond, we're your credit line specialists.
SBA Loan FAQ's
Philadelphia's dynamic business ecosystem buzzes with opportunity for founders seeking SBA loan support. The City of Brotherly Love offers multiple financing avenues for new business owners looking to transform innovative concepts into local economic contributions.
Here are a few local suggestions:- Wells Fargo at Broad Street & Market Street
- Citizens Bank at 17th Street & Chestnut Street
- Univest Bank at Arch Street & 7th Street
- PNC Bank at South Street & Broad Street
- M&T Bank at Walnut Street & 16th Street
- Republic Bank at Sansom Street & 15th Street
SBA loans in PA provide critical funding for equipment purchases, working capital, and real estate acquisitions. Local start-ups can leverage 7(a), 504, and microloan programs tailored to support Philadelphia's diverse entrepreneurial landscape across industries like technology, manufacturing, and service sectors.
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 Philadelphia, 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 Philadelphia, 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 Philadelphia, PA seeking SBA loans typically include service providers, retail establishments, and professional services operating within Delaware County. Restaurants, construction companies, HVAC contractors, and local retail shops in the Greater Philadelphia metropolitan area frequently qualify for these financial support programs.
SBA loan eligibility extends to various sectors like plumbing businesses, electrical contractors, landscaping services, and consulting firms with operations in Center City or surrounding Philadelphia neighborhoods. Local manufacturing enterprises and technology start-ups meeting specific revenue and employee criteria also represent strong candidates for funding opportunities.
