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 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 $350,000, please visit our Business Banking page

contact an expert


Tim Collins | 602.228.6647


Sean Waybright | 303.324.1096


Jeff Kalaman | 941.962.2243

Texas - Austin

Connie Ramos | 214.513.2623

Texas - Dallas/Ft. Worth

Jason Parsons | 214.886.2395
Jeannie Baldwin | 972.467.8714
Ben Terry | 254.495.1068
Connie Ramos | 214.513.2623

Texas - Houston

Michele Brown | 281.988.5999
J.P. Prinz | 832.308.7070

Texas - San Antonio

J.P. Prinz | 832.308.7070

SBA Group Manager

John Gannon | 817.852.4082

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

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