SBA Startup Loans: Turn Your Dream Into a Reality

Join the ranks of successful entrepreneurs we’ve helped obtain SBA startup loans to start a new business.

SBA Startup Loan Features

Loans Up to $5M

Obtain funding from $100k to $5 million, ensuring your new venture has sufficient capital to launch successfully.

Extended Repayment Terms

Loan terms range from 10 to 25 years, offering you low payments to support your business's cash flow effectively.

Preserve Liquidity

Start your business with a minimum equity injection of 10%, which can be sourced from a family gift.

Buy Commercial Real Estate

You have the option of either leasing space or purchasing commercial real estate for your new business.

Start a Business: The First One Capital Advantage

Preserve Equity and Control

Unlike venture capital or equity financing, our SBA startup loans allow you to maintain full ownership and control over your business decisions.

Boost Business Growth

SBA startup loans enable you to invest in inventory, equipment, marketing, and other essential growth drivers, accelerating your business's success.

Support Job Creation

By securing an SBA startup loan, you contribute to job creation and strengthen your community through local economic growth.

Pre-Requisites for SBA Startup Loan

Minimum FICO Score

640 Experian model v2

Use of Funds

Working Capital, Inventory, Equipment, Renovation, Leasehold Improvements, Commercial Real Estate (owner-occupied)

Notes

The guarantor(s) must have transferrable experience. Strong business plan (preferrably professionally written) and projections are needed. If the guarantor(s) have real estate with at least 25% equity to pledge as collateral, it will strengthen the likelihood of approval

Ready to Get Started?

Answer a Few Simple Questions

Answer a few questions to let us know more about what you're looking for and check eligibility.

We’ll Connect You With a Business Loan Specialist

Our trusted and experienced specialists will help match you with the best option for your business. With over 100 lending partners, we'll work together to find the right solution for you.

Guide You Through the Application Process

Your loan specialist will work with you throughout the process, streamlining an otherwise overwhelming experience.

Get Funded

Get the capital you need to grow your business.

What Sets Us Apart

Fast Funding

Quick closings allow you rapid access the capital you need to keep your business moving forward.

Lower Payments

Enjoy reduced monthly payments with 10-year repayment terms and SBA-backed interest rates.

Industry-Specific Expertise

We have extensive experience across various industries, enabling us to provide specialized guidance and support tailored to your business type.

Our Team of SBA Bankers

Started by SBA Certified Consultant, First One Capital team understands all aspects of SBA lending. We’re your advocate, and we get it right the first time.

Launch Your Business with an SBA Start-up Loan

Turning your business idea into a reality can be expensive and overwhelming, but it doesn’t have to be. Our team has helped countless entrepreneurs jumpstart their businesses by securing the capital they need.

Trusted Lending Partner

As a trusted SBA lending partner, we understand the importance of providing reliable and accessible financing options to small businesses. Our commitment to helping entrepreneurs succeed is reflected in our comprehensive suite of SBA loan products and services.

Our experienced team of SBA lending specialists is dedicated to assisting small business owners throughout the loan application and approval process. We work closely with each borrower to tailor loan packages that meet their specific needs, from startup capital to expansion financing.

With over 100 years of combined SBA lending experience, our team will be your advocate and guide you to a successful loan funding. 

 
 
 

What Our Customers Have to Say

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