​Due to weather conditions, beginning on September 14, 2021 and until further notice, our Houston Four Oaks banking center lobby will be temporarily closed. Please visit the drive thru or the Westway banking center at 4424 West Sam Houston Parkway N. Suite 170, Houston, TX 77041 for all in-person banking needs.

We have scheduled enhancements for our website platform on Tuesday, September 14th, starting at 5:30 PM CST to approximately 7:00 PM CST. During this time, our website may not be available and/or may have reduced functionality.

SBA & Business Loans

Whether you’re launching a new product, funding new growth, acquiring a company or purchasing your office, warehouse, store or equipment, capital is the key to unleashing the power of your business. Our team of lending experts is here to work by your side to determine the right structure for your organization’s needs.

Helping businesses grow

    SBA Loans

    We're committed to helping grow small businesses into something great. As a Preferred Small Business Administration (SBA) lender, the dedicated SBA team at Texas Capital Bank will work closely and efficiently with you to complete the loan process. Our seasoned bankers have decades of experience in small business lending and are committed to working with you one-on-one to help you reach your goals, no matter how big they may be.

     
    Benefits of an SBA Loan

    An SBA 7(a) or 504 Loan provides businesses with access to capital that might not otherwise be available, with more flexible underwriting than conventional business loans.

    With an SBA Loan, businesses can benefit from:

    • Lower down payment requirements
    • Longer repayment terms — up to 25 years
    • Lower capital injection requirements
    • Lower cash flow requirements to cover payments
    • Ability to conserve cash for operating expenses

     

     

      SBA 7(a) Loan  SBA 504 Loan
    Use  A Variety of Business Needs (details below) Real Estate & Equipment 
    Loan Size $500,000 to $5,000,000 $2,000,000 to $15,000,000 
    Interest Rates  Variable or fixed rate Variable or fixed rate
    Terms  10 to 25 years, depending on loan purpose
    • Up to 10 years for machinery or equipment
    • Up to 25 years for real estate
    Loan Purpose  
    • Expand or acquire a business
    • Purchase or construct real estate
    • Refinance existing business debt
    • Buy equipment
    • Provide working capital
    • Finance building improvements
    • Purchase inventory
    • Refinance owner occupied real estate  
    • Purchase land or an existing building
    • Expand or improve an existing building
    • Purchase long-lived machinery or equipment
    Loan Structure  
    • Up to 90% bank loan
    • Borrower down payment as low as 10% 
    • 50% bank loan
    • Up to 40% from a Community Development Corporation (CDC) loan
    • Borrower down payment as low as 10% 
     

    All loans subject to Texas Capital Bank credit approval and SBA eligibility.

    Frequently asked questions about SBA Loans

      How do SBA Loans work?

      The Small Business Administration (SBA) is a U.S. government agency that approves billions of dollars in loans to small businesses every year. Most SBA Loans are issued through a bank, a credit union or other lending institution, and the SBA guarantees part of the loan. This guarantee allows banks to utilize more flexible underwriting guidelines in evaluating an SBA Loan request, since a portion of the bank’s credit risk is offset by the government’s guarantee. The guarantee amount varies depending on the size of the loan.

      Interest rates on SBA Loans are set by the lender, in keeping with SBA guidelines. The rate is based on the prime rate, plus an additional markup rate called the spread. Interest rates vary slightly depending on the size and terms of the loan.

      What does it mean to be a Preferred SBA Lender?

      SBA Loans require a high level of expertise to ensure a smooth application process, so you’ll want to select a lender who is a Preferred SBA Lender. This means the bank is authorized and approved to underwrite the credit application instead of submitting it to the SBA for approval, which will save time in completing the loan process.

      What qualifies my business for an SBA Loan?

      Not all business types are eligible for an SBA Loan. Financial institutions, life insurance providers, passive businesses (for example, investment properties) and speculative businesses (such as oil exploration) are among those who cannot secure SBA financing.

      In addition, your business must:

      • Do business in the U.S.
      • Operate for profit
      • Meet SBA business size standards
      • Have a reasonable amount of invested equity
      • Have a demonstrable ability to repay the loan

      What are the accepted loan purposes for an SBA Loan?

      This list is not all-inclusive, but some of the most common approved loan purposes are:

      • Business acquisition and partner buyouts
      • Purchase of owner-occupied commercial real estate, including special use properties
      • Building construction or expansion
      • Working capital
      • Debt refinancing
      • Purchase of machinery or equipment
      • Purchase of furniture, fixtures and/or leasehold improvements

      What information do I need to provide during this process?

      Preliminary Discussion

      • Overview of business and loan purpose
      • Interim financial statements for the business
      • Three years’ business and personal tax returns
      • Personal financial statements


      At Application

      • Completed loan application
      • Business plan with projections and assumptions
      • Accounts payables and accounts receivables aging reports
      • Affiliate company information
      • Copy of purchase agreement (for business purchase)


      During Loan Process

      • Be ready to provide additional information during the loan process. Sometimes the documentation may not paint a full picture, and the loan officer may ask for your help in filling in any gaps.

      Connect with a Loan Officer.

      Complete the form below to contact an SBA Loan Officer.

      Contact An Expert

      Business Loans up to $750,000

      Small businesses are the lifeblood of our economy. That’s why we provide small business owners with the lifeblood they need to start, acquire and grow their business with our comprehensive suite of loans and deposit products. Our dedicated Business Banking group can provide access to capital up to $750,000, with industry-leading processes ensuring equal credit opportunity and fair lending for all applicants.

      These business loans can be used for virtually any business purpose that you designate, such as:

      • Commercial real estate
      • Equipment
      • Working capital
      • Business acquisition
      • Debt refinancing
      • Furniture, fixtures and/or leasehold improvements


      Contact our Business Banking group today so we can tailor a loan program that best fits your financing needs.
       

      All loans subject to Texas Capital Bank credit approval and SBA eligibility.

      Connect with an expert banker.

      Experience more with experienced bankers who are committed to helping you grow.

      Contact Our Experts

      Paycheck Protection Program

      PPP Loans
      The Small Business Administration (SBA) has announced that all funds for the Paycheck Protection Program (PPP) have been allocated. In light of this news, Texas Capital Bank is no longer accepting new PPP applications.

      For Current PPP Clients
      To ensure you’re ready to apply for forgiveness, please review the loan forgiveness application instructions and the appropriate loan forgiveness application, and gather the necessary documentation. You will not be required to submit a completed form, because Texas Capital Bank will generate your form based on your input in our portal. However, you should be familiar with which form your business will use. 

      For loans under $150,000 you will not be required to upload documents, just simply answer questions in our portal and we will prepare the application for submission. 

      For more information, please review these tips. If you have questions, please email [email protected] or call 855.462.4222.

      All loans subject to Texas Capital Bank credit approval and SBA eligibility