Texas · TX
Texas Business Loans
Texas businesses can apply once and see offers from the lenders in our network that write in TX. Approval rests on recent revenue rather than credit score, so a bank decline is not a barrier. Decisions typically inside 24 hours, funding in as little as 72 hours.
SBA Office of Advocacy, 2025
Small business in Texas
- 3,517,343
- 44.4%
- 148,641
Nearly all of those are below the size a bank’s commercial desk is built to write, which is the gap revenue-based funding fills — approval on deposits rather than collateral, in days rather than weeks.
Submit an application- Won't affect your credit
- Free, no obligation
- Up to $500K
Serving businesses across Texas
- Houston
- San Antonio
- Dallas
- Austin
- Fort Worth
Applications are accepted from anywhere in Texas, not only these metros.
Industries
Common in Texas.
Construction
Construction revenue arrives in lumps tied to milestones, so a bank reading twelve months of deposits sees instability. A revenue-based lender reads the same statements and sees a business that collects reliably, just not evenly.
Trucking & Transportation
A bank sees one or two assets, thin equity and volatile fuel costs. A lender that finances the truck has collateral it understands, and one reading settlement deposits sees revenue arriving every week.
Restaurants & Food Service
Banks read thin margins and high category failure rates and decline on the category rather than the business. Daily card settlement is exactly what a revenue-based lender wants: predictable deposits it can underwrite against.
Loan products
What Texas businesses can apply for.
Advance against future sales
Merchant Cash Advance
A merchant cash advance gives a business a lump sum today in exchange for a fixed percentage of future sales. Approval is based on revenue rather than credit score, so businesses turned down by banks often still qualify. Funding typically lands in one to three business days.
Short-term cash for day-to-day operations
Working Capital Loans
A working capital loan covers day-to-day operating costs — payroll, rent, inventory, payables — rather than a long-term investment. Terms usually run three to eighteen months, decisions come in hours rather than weeks, and most funders weigh recent revenue more heavily than credit history.
Finance the machine, secured by the machine
Equipment Financing
Equipment financing pays for machinery, vehicles or tools, with the equipment itself serving as the collateral. Because the loan is secured by the asset, approval odds are higher and rates are usually lower than unsecured funding — and many businesses qualify with limited credit history.
Draw what you need, pay interest only on what you use
Business Line of Credit
A business line of credit is a revolving limit you draw against as needed, paying interest only on the amount drawn. It suits uneven cash flow and unexpected costs better than a lump-sum loan, and the limit replenishes as you repay.
Free help
SBA district offices serving Texas
Free counselling, SBA loan programmes and local lender lists. Slower than what this site arranges and materially cheaper if you qualify — worth a call before you take an advance, not after.
Before you apply anywhere in TX
Cheaper options in Texas that we do not place.
These usually cost less than anything we arrange and take longer, with their own paperwork. If the need can wait weeks, try them first. If payroll is due this week, they will not arrive in time.
State program
- Texas Small Business Credit Initiative (opens in a new tab)
Run by the Governor's economic development office, it helps eligible small businesses get loans through approved lenders, using a capital access program, a loan guarantee program and a loan participation program.
Free business advice (SBDC networks)
- South-West Texas SBDC Network (UTSA) (opens in a new tab)
Business advising, contracting, trade and research help across southwest Texas.
- Texas Gulf Coast SBDC Network (University of Houston) (opens in a new tab)
Free consultations for small businesses across 32 counties in southeast Texas.
- North Texas SBDC (opens in a new tab)
Business advising and training for small businesses in North Texas.
- Northwest Texas SBDC (Texas Tech) (opens in a new tab)
No-cost, confidential advising for business owners across 95 counties of Northwest Texas.
Community lenders
- LiftFund (opens in a new tab)
A nonprofit CDFI offering affordable loans and support to small business owners who do not qualify for traditional funding.
Your rights in TX
What a funder must tell you in Texas.
HB 700, covering sales-based financing
Texas requires providers of sales-based financing — which is what a merchant cash advance is — to register, so you can ask who you are dealing with and expect a real answer.
In practice that means asking for the disclosure before you sign and reading the total repayment figure first — it is the number that makes two offers comparable, and the one a reluctant funder is least keen to put in writing.
FAQ
Texas funding: common questions.
- Can I get a business loan in Texas with bad credit?
- Yes, commonly. The lenders in our network that write in TX underwrite on business deposits rather than personal credit score, and many set no minimum score at all. Consistent monthly revenue matters far more than credit history.
- How fast can a Texas business get funded?
- Decisions usually come back inside 24 hours and funding lands in as little as 72 hours once the file is complete. The slowest step is almost always producing three to six months of bank statements.
- Do funding terms differ in Texas?
- Pricing and terms follow your business's revenue, deposit history and time in business far more than your state. What your state does determine is which lenders can write your deal at all, which is why the application asks for it up front.
- Which Texas businesses qualify?
- Most established businesses with consistent monthly deposits, across construction, trucking & transportation, restaurants & food service and many others. Six months of trading opens the majority of options; under that narrows them but rarely closes them entirely.
Also serving near Texas
One application, every lender we work with
Find out what you qualify for before you need it.
Eleven questions, about two minutes. You see offers side by side and take one, or none.
- Won't affect your credit
- Free, no obligation
- Decisions usually inside 24 hours
- Up to $500K