SBA Loans in Memphis, TN
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 Memphis, TN from StartCap give you the financial flexibility to grow your business. Our tailored solutions and expert assistance make funding stress-free. Build your dreams with a reliable partner today.
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 Memphis SBA Loans
StartCap offers businesses in Shelby County tailored financial solutions to support their growth and success. Whether you need resources to scale, manage cash flow, or explore new opportunities, we are here to help you thrive.
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 Memphis or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near Memphis, TN
In Memphis and surrounding cities, entrepreneurs can access flexible financial solutions that help support growth. Our tailored resources are available to meet your unique needs and goals. From West Memphis to Hernando and beyond, we're your credit line specialists.
SBA Loan FAQ's
Memphis, TN stands as a dynamic business hub with blues rhythms and entrepreneurial spirit coursing through Shelby County's economic veins. Small business owners exploring SBA loan opportunities will find multiple financing resources tailored to support local start-ups and established companies seeking strategic capital investments.
Here are a few local suggestions:- First Horizon Bank at Union Avenue & Danny Thomas Boulevard
- Regions Bank at Poplar Avenue & Highland Street
- First Tennessee Bank at Madison Avenue & Danny Thomas Boulevard
- Baker Donelson at One Commerce Square
- Memphis Consumer Credit Union at Summer Avenue & Graham Street
- First Southern National Bank at Southern Avenue & Airways Boulevard
SBA loan programs like 7(a), 504, and microloans offer founders critical funding for equipment purchases, real estate acquisitions, working capital, and business expansion. Local lenders understand Memphis's economic ecosystem and can provide personalized guidance through complex application processes.
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 Memphis, 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 Memphis, 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 Memphis, TN, small business owners across Shelby County find SBA loans accessible for various commercial ventures. Local restaurants, service providers like HVAC contractors, retail shops, and professional services often qualify for these financial resources through different SBA loan programs.
Manufacturing businesses, tech startups near Beale Street, construction companies, and medical practices typically meet SBA lending criteria. Loan eligibility depends on factors like business size, revenue, credit history, and operational duration in the dynamic Memphis business ecosystem.
