THE BANK BUILT BY ENTREPRENEURS,
FOR ENTREPRENEURS

SMALL BUSINESS LOANS

Texas Capital Bank knows the power of entrepreneurship; after all, we were founded by a group of entrepreneurs ourselves. That’s why we’re committed to helping grow small businesses into something great.

We offer a range of credit solutions that can help your business plan take flight, including SBA loans and conventional financing. SBA loans are commercial loans guaranteed by the U.S. government through the Small Business Administration. With this government backing, lenders like Texas Capital Bank are able to offer longer loan terms and more flexible underwriting than traditional commercial loans, which can be a great help to small business owners. Conventional or traditional loans are often less expensive than government-backed loans. However, they are not guaranteed, and therefore have more stringent underwriting requirements.

Consult the chart below to see which loan program is right for you.

Small Business Loan Comparison 
   Conventional Loan SBA 7(a) Loan  SBA 504 Loan
Use A Variety of Business Needs (details below) A Variety of Business Needs (details below) Real Estate & Equipment 
Loan Size Up to $750,000  $750,000 to $5,000,000
$2,000,000 to $15,000,000
Interest Rates Variable or fixed rate
Variable or fixed rate
Variable or fixed rate
Terms 5 to 20 years, depending on loan purpose
5 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 commercial real estate
Finance building improvements
Purchase equipment
Refinance business debt
Acquire working capital
Expand or acquire a business
Purchase or construct commercial real estate
Finance building improvements
Purchase equipment
Refinance business debt
Acquire working capital 
Purchase or construct commercial real estate
Finance building improvements
Purchase long-lived machinery or equipment
Loan Structure Up to 80% for owner occupied commercial real estate with borrower down payment as low as 35%

Up to 65% for business acquisition or machinery/equipment purchase with borrower down payment as low as 35%
Up to 90% bank loan with borrower down payment as low as 10%
50% bank loan with up to 40% from a Community Development Corporation (CDC) loan and borrower down payment as low as 10%

  

Loans Up To $750,000

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SBA 7(a) Loan

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SBA 504 Loan

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Still not sure which loan program is best for you? Contact us and we’ll help you determine what type of financing will best suit your needs and circumstances.

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

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