SBA Loans

We know 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. 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 Loan Comparison
  SBA 7(a) Loan  SBA 504 Loan
Use  A Variety of Business Needs (details below) Real Estate & Equipment 
Loan Size $750,000 to $5,000,000* $2,000,000 to $15,000,000 
Interest Rates  Variable or fixed rate Variable or fixed rate
Terms  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 or construct real estate
Refinance existing business debt
Buy equipment
Provide working capital
Finance building improvements
Purchase inventory  
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% 

*If you are interested in a loan for less than $750,000, please visit our Business Banking page
PPP Clients

Texas Capital Bank’s loan portal is ready to accommodate the loan forgiveness process. If you have not already made us aware of your preferred date to apply for forgiveness, please contact us. 

How should applicants prepare?

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.  

There are currently three forms that can be used to apply for forgiveness. On June 16, the SBA released a revised PPP Loan Forgiveness Application (Form 3508) and an EZ version of the application (Form 3508-EZ). To determine if you qualify for Form 3508-EZ, one of the following statements must be true:

  • Are self-employed and have no employees OR
  • Didn’t decrease their employees’ wages or salaries by more than 25%, and didn’t reduce their employees’ number or hours OR
  • Experienced reductions in business activity due to COVID-19 related health directives and didn’t reduce their employees’ salaries or wages by more than 25%.

  • On October 8, the SBA released another simplified PPP loan forgiveness application for loans of $50,000 or less (Form 3508S). For more information, you may reference Form 3850S Instructions for Borrowers by clicking here.

    For more helpful tips on filling out your forgiveness application, click here.

    For clarification of requirements in the case of a change in ownership of a company with an outstanding PPP loan, please view the recent SBA guidance.


contact an expert

Dallas/Ft. Worth
Jason Parsons
Jeannie Baldwin

San Antonio
J.P. Prinz

SBA Group Manager
John Gannon


Paycheck Protection Program (PPP) Loan FAQs


Read our tips on how to best complete your PPP forgiveness application.


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