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
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 cash flow requirements to cover payments
- Ability to conserve cash for operating expenses
SBA 7(A) Loan
A SBA 7(A) Loan is used for a variety of business needs and will be detailed below. Texas Capital Bank offers loans from $500,000 to $5,000,000. The interest rates for the SBA 7(a) Loans can be variable or a fixed rate. The Loan terms can be 10 to 25 years, depending on the loan purpose. A few examples of loan purposes are expanding or acquiring a business, purchasing or constructing real estate, refinancing existing business debt, buying equipment, providing working capital, financing building improvement, purchasing inventory, and refinancing owner occupied real estate. The loan structure will be up to 90% bank loan and a borrower down payment as low as 10%. To find out more please read our frequently asked questions below.
SBA 504 Loan
A SBA 504 Loan is used for Real Estate and Equipment. The loan size Texas Capital Bank offers range from $2,000,000 to $15,000,000. The interest rates for a SBA 504 Loan can be a variable or a fixed rate. The terms are up to 10 years for machinery or equipment, and up to 25 years for real estate. The loan purpose for a SBA 504 Loan can be purchasing land or an existing building, expanding or improving an existing building, or purchasing long-lived machinery or equipment. Loan structures that Texas Capital Bank offers are 50% bank loan, up to 40% from a Community Development Corporation (CDC) loan, and the borrower down payment as low as 10%. To find out more please read our frequently asked questions below.
All loans subject to Texas Capital Bank credit approval and SBA eligibility.
Paycheck Protection Program
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.
All loans subject to Texas Capital Bank credit approval and SBA eligibility