Small Business Loans
Financing Solutions to Help Your Business Grow
Access the capital your business needs with flexible loan options designed specifically for small businesses at every stage of growth.
Why Choose Our Small Business Loans
Tailored Solutions
Financing options custom-designed for your specific industry and business needs.
Fast Decisions
Quick application review with funding available in as little as 24-48 hours.
Growth Focused
Capital structured to help you expand operations, purchase equipment, or manage cash flow.
Loan Options for Every Business Need
Term Loans
Traditional business loans with fixed monthly payments and terms from 1-5 years.
- $25,000 to $500,000+
- Fixed interest rates from 6%
- Predictable payments
SBA Loans
Government-backed loans with favorable terms for qualifying businesses.
- Up to $5 million
- Lowest available rates
- Extended repayment terms
Lines of Credit
Flexible financing that allows you to draw funds as needed and only pay interest on what you use.
- $10,000 to $250,000+
- Revolving credit access
- Ideal for managing cash flow
Equipment Financing
Loans specifically for purchasing vehicles, machinery, or other business equipment.
- Up to 100% of equipment value
- Equipment serves as collateral
- Terms aligned with equipment life
Invoice Financing
Advances against your outstanding invoices to improve cash flow while waiting for customers to pay.
- Up to 90% of invoice value
- Fast funding, often within 24 hours
- No additional debt on balance sheet
Credit Access Business Loans
Texas-specific loans facilitated through Credit Access Businesses (CABs) that connect borrowers with third-party lenders.
- Simplified application process
- Options for businesses with credit challenges
- Fast funding turnaround
How to Qualify for a Small Business Loan
Lender requirements vary, but these factors typically influence your loan eligibility and terms.
Time in Business
Traditional lenders: Usually require 2+ years in operation
Online lenders: May accept businesses with 6+ months
Alternative financing: Some options available for startups under 6 months
Credit Profile
Personal credit score: Typically 650+ for traditional and SBA loans, though some options exist for lower scores
Business credit: Established business credit history improves terms and approval odds
Payment history: Lenders review past loan repayment behavior and any delinquencies
Revenue and Cash Flow
Annual revenue: Many lenders look for $100,000+ in annual revenue
Monthly revenue: Some alternative lenders focus on consistent monthly income
Debt-to-income ratio: Your ability to take on additional debt payments is crucial
Industry and Business Structure
Industry type: Some industries are considered higher risk and may face more stringent requirements
Business organization: Legal structure (LLC, corporation, etc.) affects loan options
Business plan: A solid business plan demonstrating future revenue is particularly important for newer businesses
Collateral and Guarantees
Secured loans: Require specific assets as collateral but typically offer better rates
Personal guarantee: Most small business loans require the owner to personally guarantee repayment
Business assets: Equipment, inventory, accounts receivable, and real estate can strengthen your application
What Our Business Clients Say
The business line of credit we secured helped us manage seasonal fluctuations and take advantage of bulk inventory discounts. The application process was straightforward and funding was faster than we expected.
Alicia M.
Boston, MA
As a newer business, we struggled to get financing from traditional banks. The Credit Access Business option connected us with a lender who understood our potential despite our limited history. The equipment we purchased has already paid for itself.
Christopher L.
Charlotte, NC
When a major client delayed payment, invoice financing saved us from a cash flow crisis. The team made the process simple, and we were able to meet payroll and continue operations without interruption. I highly recommend their services.
Ryan D.
Las Vegas, NV
Small Business Loan Application Process
Our streamlined process helps you secure the funding your business needs with minimal hassle.
Complete Application
Fill out our simple online application with basic information about your business. The process takes as little as 10 minutes to complete.
Submit Documentation
Provide supporting documents such as bank statements, tax returns, and financial statements. Our secure portal makes uploading documents easy.
Review Offers
Receive loan offers from our network of lenders. A dedicated loan specialist will help you understand your options and select the best fit for your business needs.
Get Funded
Once you accept an offer, final approval and funding typically occur within 1-3 business days, with funds deposited directly into your business bank account.
Frequently Asked Questions About Small Business Loans
Get answers to common questions about financing options for your business
Ready to Grow Your Business?
Apply now to explore small business loan options tailored to your specific needs and goals. Quick decisions and competitive rates available.