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 $350,000 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 date
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 $350,000, please visit our Community Lending page

contact an expert

John Gannon

Executive Vice President | Group Manager 817.852.4082 817.852.4082

Ben Terry

SBA Loan Officer | Southwest U.S. 254.495.1068 254.495.1068

Jason Parsons

SBA Loan Officer | Dallas, TX 214.886.2395 214.886.2395

Connie Ramos

SBA Loan Officer | Dallas/Fort Worth, TX 214.513.2623 214.513.2623

Michele Brown

SBA Loan Officer | Houston, TX 281.988.5999 281.988.5999

J.P. Prinz

SBA Loan Officer | Houston, TX 832.308.7070 832.308.7070

Joe Weiner

SBA Loan Officer | San Antonio/Austin, TX 210.390.3836 210.390.3836

let’s talk about what we can do for you.

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