SBA Loans in Saint Augustine, FL
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
Small business success starts with SBA loans in Saint Augustine, FL from StartCap. Our competitive rates and tailored guidance make funding your goals seamless. Build your business with confidence and support.
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 Saint Augustine SBA Loans
StartCap provides businesses in Saint Johns County with the necessary financial resources to succeed. We offer flexible options that support your business at every stage, helping you achieve your goals with ease and confidence.
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 Saint Augustine or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Saint Augustine, FL
In Saint Augustine and its neighboring cities, entrepreneurs have the opportunity to access a wide range of financial resources that can make all the difference in reaching their business goals. From Saint Augustine Beach to Orange Park and beyond, we're your credit line specialists.
SBA Loan FAQ's
Saint Augustine, FL brims with historic charm and entrepreneurial spirit, creating an ideal backdrop for small business growth. Local founders seeking financial support for their ventures often explore Small Business Administration (SBA) loan opportunities in this dynamic coastal community.
Here are a few local suggestions:- Vystar Credit Union at San Marco & King Street
- First Coast Credit Union at State Road 207 & US 1
- Wells Fargo at King Street & Aviles Street
- Bank of America at US 1 & San Marco Avenue
- Ib Bank at San Sebastian & King Street
- Suntrust Bank at Flagler Boulevard & US 1
SBA loans in Saint Augustine typically cover equipment purchases, working capital, real estate acquisitions, and refinancing existing business debt. Local start-ups benefit from 7(a) loans, microloans, and CDC/504 programs designed to support emerging businesses in Florida's oldest city.
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 Saint Augustine, 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 Saint Augustine, 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 St. Augustine, FL, small business owners within St. Johns County can access SBA loans for various enterprises. Restaurants, retail shops, professional services like accounting firms, and home improvement businesses such as electrical contractors often qualify for financing through local lending programs.
Hospitality-related businesses near the historic downtown district frequently secure Small Business Administration funding. Service providers including plumbing companies, HVAC specialists, and tourism-oriented ventures near Castillo de San Marcos National Monument may receive targeted loan assistance from regional financial institutions.
