SBA Loans in Racine, WI
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 Racine, WI provide the foundation for small business growth. StartCap’s competitive options and expert guidance make securing funding easy. Let us help fuel your success with flexible financing 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 Racine SBA Loans
StartCap delivers financial support to businesses in Racine County with options that help you grow and succeed. Our solutions are designed to be flexible and adaptable, helping you achieve your goals and tackle any challenges that arise.
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 Racine or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Racine, WI
For entrepreneurs in Racine and nearby cities, personalized financial solutions are available to help you succeed. Our flexible support is designed to meet your unique business needs. From Mount Pleasant to Winthrop Harbor and beyond, we're your credit line specialists.
SBA Loan FAQ's
Racine, WI stands as a dynamic economic hub along Lake Michigan's western shore, offering compelling opportunities for local business founders seeking financial support. Small business owners exploring funding options find the city's lending environment particularly supportive for growth-minded enterprises.
Here are a few local suggestions:- Johnson Bank at Washington Avenue & Main Street
- First National Bank of Racine at 6th Street & College Avenue
- M&I Bank at Main Street & State Street
- Marine Credit Union at Douglas Avenue & Washington Avenue
- BMO Harris Bank at 22nd Street & Rapids Drive
- Summit Credit Union at Sheridan Road & 16th Street
SBA loan programs in Wisconsin range from 7(a) working capital loans to 504 commercial real estate financing, providing flexible solutions for equipment purchases, inventory, and business expansion. Local lenders understand Racine's unique economic landscape and can streamline application processes for new business owners.
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 Racine, 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 Racine, 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.
In Racine County, Wisconsin, small business owners can access SBA loans through various local financial institutions. Downtown Racine hosts multiple lenders supporting industries ranging from manufacturing and retail to service-based businesses like plumbing, HVAC services, and local restaurants near Lake Michigan.
Qualifying businesses typically include established companies with strong credit histories and those operating in key sectors like construction, professional services, and light industrial operations. New start-ups with detailed business plans and local founders serving Kenosha and Racine communities may find additional lending opportunities through SBA programs.
