SBA Loans in Waco, TX
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 Waco, TX 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 Waco SBA Loans
StartCap helps businesses in McLennan County thrive by offering a range of financial solutions designed to meet their needs. Whether you're looking to expand, improve cash flow, or take on new projects, we’ve got you covered.
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 Waco or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Waco, TX
For entrepreneurs in Waco and nearby cities, financial resources are available to help you succeed. Custom solutions are available to scale your business and achieve success. From Bellmead to Belton and beyond, we're your credit line specialists.
SBA Loan FAQ's
Waco, TX stands out with its dynamic business ecosystem, where local founders seek strategic financial support through Small Business Administration (SBA) loans. The city's economic landscape offers multiple avenues for new business owners looking to secure critical funding for growth and expansion.
Here are a few local suggestions:- Extraco Banks at I-35 & Hewitt Drive
- First National Bank of Central TX at Franklin Avenue & 15th Street
- Waco Employees Federal Credit Union at Austin Avenue & 13th Street
- American Bank of Texas at Valley Mills Drive & Bosque Boulevard
- Local Credit Union at Columbus Avenue & 17th Street
- Texas State Bank at Interstate 35 & Brazos Avenue
SBA loans in Waco provide flexible financing options for equipment purchases, working capital, real estate acquisition, and business refinancing. Local lenders understand the unique challenges of Central Texas business development and offer tailored solutions to support regional economic growth.
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 Waco, 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 Waco, 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 Waco, TX, local businesses across various sectors qualify for SBA loans, including retail establishments, restaurants, service providers like plumbing contractors, and professional services. McLennan County entrepreneurs find opportunities through 7(a) loans, microloans, and CDC/504 programs supporting commercial real estate acquisitions.
Manufacturing firms near the Brazos River, technology start-ups in downtown Waco, and hospitality businesses around Baylor University frequently access Small Business Administration financing. Qualifying businesses must meet size standards, demonstrate financial need, and show strong business plans for loan approval.
