SBA Loans in Santa Monica, CA
Unlock the power of the SBA to fuel your business growth, with flexible terms and low rates
Get Pre-Approved
Great Rates, Less Requirements & Smaller Down Payments
SBA loans in Santa Monica, CA are within reach with StartCap. We offer small businesses the competitive funding options they need to succeed. Propel your business forward with confidence and support from our team.
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 Santa Monica SBA Loans
StartCap provides businesses in Los Angeles 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 Santa Monica or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Santa Monica, CA
In Santa Monica 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 Marina del Rey to Hawthorne and beyond, we're your credit line specialists.
SBA Loan FAQ's
Santa Monica's coastal business ecosystem thrives with creative energy, offering local founders multiple financing avenues for their strategic growth objectives. The beachside community provides exceptional opportunities for new business owners seeking Small Business Administration (SBA) loan resources across diverse commercial sectors.
Here are a few local suggestions:- Comerica Bank at 4th Street & Arizona Avenue
- Wells Fargo at Ocean Park Boulevard & Lincoln Boulevard
- Pacific Western Bank at Wilshire Boulevard & 20th Street
- Bank of Manhattan at Main Street & Rose Avenue
- First Republic Bank at Montana Avenue & 7th Street
- Pico Branch Credit Union at Pico Boulevard & 20th Street
SBA loans in California typically cover working capital, equipment purchases, real estate acquisitions, and business expansion projects. Local lenders understand the unique economic dynamics of Santa Monica's startup ecosystem, providing tailored financial solutions for emerging enterprises.
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 Santa Monica, 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 Santa Monica, 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.
Santa Monica's diverse business ecosystem offers SBA loan opportunities for various local enterprises. Retail shops, professional services, restaurants, and tech startups along Ocean Avenue and Third Street corridor qualify for Small Business Administration financing through traditional lending channels in CA.
Service-based businesses like plumbing contractors, HVAC specialists, electrical repair firms, and landscaping companies operating in Los Angeles County can access SBA loan programs. Local founders seeking capital must demonstrate solid business plans, creditworthiness, and operational stability within Santa Monica's competitive commercial landscape.
