Texas business funding

Small business loans & funding in Texas.

Texas has one of the fastest-growing small business economies in the country. We help Texas owners — from energy and logistics to retail and services — get matched to funding that keeps pace with growth.

Texas
TX
Texas
3.2M
Small businesses in Texas
44.5%
Of private workforce employed
5.0M
People employed by small firms
$0
Cost to see your options

Figures are approximate, drawn from U.S. Small Business Administration and Census data, and are provided for general guidance.

Funding options for Texas businesses

Every funding type below is available to Texas owners. We help you compare them and match to the one that fits your numbers.

💳

Business line of credit

Flexible, reusable capital for payroll, inventory, and cash-flow gaps — draw what you need, pay interest only on what you use.

🏦

SBA loans (7(a) & 504)

Government-backed loans with low rates and long terms for expansion, real estate, and acquisition — available to qualifying businesses statewide.

📈

Term loans

A lump sum with predictable payments — ideal for a defined project, expansion, or one-time investment.

⚙️

Equipment financing

Fund machinery, vehicles, and equipment using the asset itself as collateral, keeping cash free for operations.

⚡

Working capital advance

Fast capital judged primarily on revenue rather than credit — useful when speed matters and credit isn't perfect.

📄

Invoice-based funding

Turn unpaid customer invoices into working capital today instead of waiting 30–90 days to get paid.

The Texas small business landscape

With 3.2 million small businesses and no state income tax, Texas is a magnet for new and expanding companies. That growth drives constant demand for equipment, real estate, and working capital.

Construction, trucking, energy services, and retail dominate the state's small business base — industries that often need to fund big purchases or bridge slow-paying invoices.

We compare lenders across Houston, Dallas, Austin, and San Antonio so you see SBA, term, and revenue-based options side by side, not just whatever your bank happens to offer.

Top industries we fund in Texas

Business funding in Texas: common questions

How do I get a small business loan in Texas?

Start by getting application-ready: gather recent business bank statements, tax returns, and a simple use-of-funds. Then pre-qualify with us — we compare lenders across Texas and match you to the right option without affecting your credit.

What credit score do I need for funding in Texas?

It depends on the product. SBA and bank loans generally favor scores in the high 600s and up, while revenue-based working capital and equipment financing can work with lower scores. We have options for every credit profile in Texas.

Are SBA loans available to Texas businesses?

Yes. SBA 7(a) and 504 loans are available statewide through the SBA Dallas/Fort Worth, Houston & San Antonio Districts and participating lenders. We help you package a clean application and match to an SBA lender comfortable with your industry.

How fast can I get funded in Texas?

Revenue-based working capital and equipment financing can move in as little as 24–72 hours. SBA and term loans take longer but cost less. We'll help you weigh speed against cost for your situation.

Ready to fund your Texas business?

Free, no obligation, and it won't touch your credit score.

Get pre-qualified →