SBA Loans in San Jose, CA
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
StartCap makes SBA loans in San Jose, CA simple and effective for small businesses. We offer competitive terms and personalized assistance to help you thrive. Let us help you take the next step in your business journey.
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 San Jose SBA Loans
StartCap’s financial solutions are designed to help businesses in Santa Clara County overcome obstacles and thrive. With our personalized approach, we provide the capital and support that businesses need to grow, innovate, and succeed.
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 San Jose or nationwide.
Here's a truck load of stuff to get kicked off
Find SBA Loans Near San Jose, CA
In San Jose and neighboring areas, entrepreneurs are empowered with the financial resources they need to grow and succeed. Custom solutions are available to help meet your unique business goals. From Santa Clara to Los Altos and beyond, we're your credit line specialists.
SBA Loan FAQ's
San Jose, CA pulses with technological innovation and startup energy, drawing business owners seeking strategic financial support. Situated in Silicon Valley, the city's dynamic economic landscape offers multiple pathways for local founders exploring Small Business Administration (SBA) loan opportunities across various industries.
Here are a few local suggestions:- Wells Fargo Bank at Market Street & San Pedro Street
- Silicon Valley Bank at First Street & Santa Clara Street
- Bank of the West at Coleman Avenue & Winchester Boulevard
- First Republic Bank at El Camino Real & Castro Street
- City National Bank at San Carlos Street & Race Street
- Mechanics Bank at Santa Clara Street & Third Street
Founders investigating local SBA loan options will discover multiple financing solutions tailored for equipment purchases, working capital, real estate acquisitions, and business expansion. StartCap represents one potential resource among several lending institutions serving California's innovative business ecosystem.
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 San Jose, 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 San Jose, 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 San Jose's diverse economic hub, small businesses spanning technology, retail, service industries, and local professional services often qualify for SBA loans. Restaurants, construction firms, HVAC contractors, electrical services, and tech startups near Silicon Valley frequently meet lending criteria.
Santa Clara County businesses demonstrating stable revenue, good credit, and solid business plans typically attract SBA loan approval. Manufacturers, professional consulting groups, landscaping companies, and specialized service providers in the San Jose metropolitan area frequently receive financial support through these government-backed lending programs.
