SBA Loans in Waltham, MA
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
Empower your business with SBA loans in Waltham, MA through StartCap. Our expert team ensures a smooth process, helping you secure funding to fuel your goals. Take the first step toward success with our trusted 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 Waltham SBA Loans
At StartCap, we provide businesses in Middlesex County with the financial tools necessary to grow and succeed. Our tailored solutions are designed to help you overcome challenges and achieve your long-term goals with ease.
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 Waltham or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Waltham, MA
Entrepreneurs in Waltham and nearby locations can benefit from financial solutions that are crafted to help them thrive. Our flexible options provide the necessary support for growth. From Watertown to Somerville and beyond, we're your credit line specialists.
SBA Loan FAQ's
Waltham, MA, a city with deep technological roots and a thriving business ecosystem, offers numerous opportunities for new business owners seeking financial support through Small Business Administration (SBA) loans. Local founders exploring funding options will find several strategic resources within Middlesex County's dynamic commercial landscape.
Here are a few local suggestions:- Middlesex Bank at Moody Street & Main Street
- Enterprise Bank at River Street & Lexington Street
- Cambridge Savings Bank at Charles River Plaza
- Waltham Co-operative Bank at Prospect Street & Willow Street
- First Northern Bank at Main Street & Trapelo Road
- Watertown Credit Union near Watertown Arsenal
SBA loan programs like 7(a), 504, and microloans provide flexible financing for equipment purchases, working capital, real estate acquisitions, and startup costs. Local financial institutions understand the unique needs of Massachusetts small businesses and can guide founders through comprehensive lending solutions tailored to regional economic dynamics.
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 Waltham, 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 Waltham, 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 business owners in Waltham, Massachusetts, discover diverse SBA loan opportunities across multiple sectors. Local enterprises in Middlesex County, including technology firms, retail establishments, food service businesses, and professional service providers like HVAC contractors and landscaping companies, potentially qualify for financing support.
Manufacturing enterprises near Charles River and startup ventures in Waltham's technology corridor frequently access SBA programs. Restaurant owners, professional service firms, medical practices, and construction-related businesses can leverage loan options through local lenders familiar with MA economic development strategies.
