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Business name, Texas location, industry, time in business, monthly revenue range, the amount requested and what it is for. The eligibility form takes a few minutes and does not trigger a hard credit pull.
Texas · Funding hub
Small Business Loans in Texas
Short answer
Small businesses in Texas can access working capital, term loans, lines of credit, SBA loans, equipment financing, factoring and revenue-based financing through Now Biz Fund's funding partners. Start with a funding inquiry, then confirm the chosen provider's application requirements, credit checks and timeline.
Texas has the second-largest state economy in the country and, on its own, would rank among the largest economies in the world. It is built on several distinct engines: energy, petrochemicals, the port and the world's largest medical complex in Houston; corporate headquarters, finance, technology, logistics and one of the busiest airports in the world in the Dallas–Fort Worth metroplex; state government, the flagship university and a technology and live-music economy in Austin; military installations, military medicine and tourism in San Antonio; and cross-border manufacturing and trade in El Paso and the Rio Grande Valley.
This hub covers 12 Texas city hubs, all 8 product pages for the state, Texas's commercial-financing rules and its SBA presence. Now Biz Fund is a team of funding specialists, not a lender: one application is compared across funding partners, with no hard credit pull to apply; each provider sets its own review time.
The Texas economy and what it means for funding
For small-business owners, the state's defining features are growth and cost. Texas has added people and businesses faster than almost any other state for a generation, which keeps contractors, home-services companies, restaurants, medical practices and logistics operators busy from Frisco to McAllen. Commercial rents outside the central business districts remain moderate for the size of the metros, there is no personal income tax, and the statutory minimum wage tracks the federal rate, so labor pricing is set by a tight market rather than by ordinance.
Funding requests from Texas reflect that mix: trucks, trailers and yard equipment for the ports, the border crossings and the Interstate 35 and 45 corridors; payroll and mobilization for contractors building subdivisions, warehouses and data centers; practice equipment and receivables bridging around the Texas Medical Center and the state's other hospital systems; restaurant and bar buildouts in cities with a strong dining culture; and working capital for the oilfield-services and industrial-supply businesses whose revenue moves with commodity cycles.
| Factor | Texas context |
|---|---|
| Largest business regions | Houston and the Gulf Coast, the Dallas–Fort Worth metroplex including Arlington, Plano, Irving and Frisco, Austin and Central Texas, San Antonio and South Texas, El Paso and the border, the Rio Grande Valley around McAllen, and Lubbock and the High Plains |
| Signature industries | Energy and petrochemicals, healthcare and medical research, logistics and trucking, construction and real estate, technology, aerospace and defense, agriculture and food, hospitality and tourism, cross-border manufacturing and trade |
| Commercial-financing disclosure law | Partly: HB 700 (since September 2025) covers commercial sales-based financing such as merchant cash advances under $1 million, with standardized disclosures and provider and broker registration; other products are not covered |
| SBA district offices | Dallas/Fort Worth, Houston, San Antonio, El Paso, Lubbock (West Texas) and Harlingen (Lower Rio Grande Valley) |
| State financing regulator | Texas Office of Consumer Credit Commissioner for licensed lenders; the Texas Department of Banking for state-chartered banks |
Texas commercial-financing disclosure rules
Since September 2025 Texas has regulated commercial sales-based financing, the category that includes merchant cash advances and revenue-based financing. Under HB 700 (Finance Code chapter 398), providers and brokers of covered transactions under $1 million must register with the Office of Consumer Credit Commissioner by December 31, 2026 and give the business a standardized disclosure before signing; confessions of judgment in those contracts are unenforceable. Term loans, lines of credit and invoice factoring are outside that law, so for those products the discipline still has to come from the owner: ask every provider for the total repayment, an annualized cost, the term, the payment schedule and the prepayment terms in writing and compare offers side by side. Texas usury rules set ceilings for commercial loans, and federal credit-reporting, equal-credit and UCC lien rules apply as they do everywhere.
Regardless of state law, the same questions apply to every offer: what is the total amount to be repaid, what is the annualized cost, how long is the term, how often are payments made, what happens on early payoff, and what personal guarantees, liens or other security are required. A written answer to each of those, compared across offers, is worth more than any headline rate.
SBA presence in Texas
The U.S. Small Business Administration serves Texas through six district offices, the most of any state after California: Dallas/Fort Worth, Houston, San Antonio, El Paso, the West Texas office in Lubbock and the Lower Rio Grande Valley office in Harlingen, which covers McAllen and the border counties. Each works with a network of SBA-approved lenders, Small Business Development Centers hosted by universities and community colleges, SCORE chapters in the major metros, Women's Business Centers and, given the state's large veteran population around Joint Base San Antonio and Fort Bliss, Veterans Business Outreach Centers. SBA 7(a) and 504 loans are originated by participating lenders under SBA guarantee, and their longer terms suit established Texas contractors, manufacturers, practices and logistics companies buying real estate or major equipment that can support a slower, more thorough process.
Now Biz Fund can include SBA-approved lenders among the funding partners it compares for an established Texas business, alongside faster products for owners who cannot wait. The SBA loan in Texas page covers eligibility, documents and timing in detail.
State-backed loan programs in Texas
Texas runs or backs its own small-business lending, usually through partner lenders and community development lenders rather than lending directly. The program names below link to the official pages, which carry the current amounts, rates and whether applications are open.
- Texas Small Business Credit Initiative (TSBCI): Administered by the Economic Development Finance Division in the Office of the Governor, TSBCI works through participating financial institutions using a Capital Access Program, a Loan Guarantee Program and a Loan Participation Program; small businesses contact a lender on the state's list of approved financial institutions for loan application details.
- Texas Micro-Business Disaster Recovery Loan Program: After a declared disaster, the state makes zero-interest loans to certified CDFIs, which make interest-bearing loans to micro-businesses (for-profit, domiciled in Texas, 20 or fewer employees, at least 95% of them in Texas) that have difficulty getting capital; businesses apply through an approved CDFI.
Free help for Texas business owners
- SBA Dallas / Fort Worth District Office
- SBA Houston District Office
- SBA San Antonio District Office
- SBA El Paso District Office
- SBA Lower Rio Grande Valley District Office
- SBA West Texas District Office
- Texas Gulf Coast SBDC network (University of Houston)
- North Texas SBDC network (Dallas College)
- South-West Texas SBDC network (UTSA)
- Northwest Texas SBDC network
- SCORE free business mentors
Program pages checked October 20, 2026.
SBA loan limits and lender requirements for Texas owners
SBA loans for Texas businesses are made by participating banks, credit unions and community lenders under rules set by the U.S. Small Business Administration (SBA), the same federal rules as everywhere else, so the limits below apply in Texas exactly as published by the SBA. Lenders add their own requirements on top, most often time in business, monthly revenue, personal credit and collateral. For owners buying or building commercial real estate or long-life machinery, the SBA 504 loan program is the long-term, fixed-rate option for major fixed assets, arranged by a certified development company together with a senior lender.
| Program | Maximum loan | SBA guaranty to the lender |
|---|---|---|
| SBA 7(a) standard | $5 million | 85% up to $150,000; 75% above |
| SBA Express | $500,000 | 50% |
| SBA 504 (with a certified development company) | $5.5 million | The development company share is funded through an SBA-backed debenture |
| SBA Microloan (through nonprofit intermediaries) | $50,000 | Not a guaranty; the intermediary lends directly |
| Loan amount | Highest rate allowed |
|---|---|
| $50,000 or less | Prime + 6.5 = 13.5% |
| $50,001 to $250,000 | Prime + 6.0 = 13.0% |
| $250,001 to $350,000 | Prime + 4.5 = 11.5% |
| Over $350,000 | Prime + 3.0 = 10.0% |
What an SBA lender checks first
- An operating, for-profit business located in the United States
- Small under the SBA size standard for its industry
- Not a type of business the SBA excludes
- Unable to get the same credit on reasonable terms from non-government sources
- Creditworthy, with a reasonable ability to repay from the business
- Since March 1, 2026, owners and guarantors who are all U.S. citizens or nationals
SBA size standards vary by industry: the SBA assigns one to each NAICS industry code, generally based on the number of employees or average annual receipts, so the same business can be small in one industry and too large in another.
For 7(a) loans of $50,000 or less, the SBA does not require collateral. Fees, the exact rate and the term are set loan by loan; the SBA terms page and 7(a) loan types carry the current rules. Figures checked October 21, 2026.
Funding products for Texas businesses
All eight products are available to Texas businesses on one application. The table shows published market guidelines as of September 2026, not offers; each link opens the Texas page for that product with documents, uses and a payment estimator.
| Product | Amount to discuss | Time to fund | Pricing structure | Eligibility review |
|---|---|---|---|---|
| Merchant cash advance | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted remittance amount and fees; a factor rate is not APR | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Business term loan | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Quoted interest and fees; compare net proceeds and total repayment | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Business line of credit | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Interest or installment fees by provider; check draw and maintenance charges | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| SBA loan | Program-specific; 7(a) maximum $5 million | Provider-dependent; confirm availability of funds | Lender-negotiated interest subject to applicable SBA program limits; fees may apply | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Equipment financing | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Loan interest or lease payments; compare deposit, fees and ownership terms | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Invoice factoring | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted invoice fee, fee period, reserve and any additional charges | Provider assesses business and eligible invoices; Customer and owner checks depend on the agreement |
| Revenue-based financing | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Contracted repayment cap and fees; check revenue reconciliation terms | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
| Working capital loan | Provider-specific; size to repayment capacity | Provider-dependent; confirm availability of funds | Quoted interest or factor pricing and fees; compare the complete payment schedule | Operating-history requirements vary by provider; Ask which personal and business credit checks apply |
- Merchant cash advance in TexasAmount guidance: provider-specific; size to repayment capacity. Timing: provider-dependent; confirm availability of funds. Best suited to: fast working capital when revenue is steady but credit or time in business rules out bank financing.
- Business term loan in TexasAmount guidance: provider-specific; size to repayment capacity. Timing: provider-dependent; confirm availability of funds. Best suited to: one-time investments with a clear payoff: equipment, buildout, expansion, refinancing expensive debt.
- Business line of credit in TexasBest suited to: recurring or unpredictable needs: payroll gaps, inventory restocks, seasonal dips. Amount guidance: provider-specific; size to repayment capacity. Timing: provider-dependent; confirm availability of funds.
- SBA loan in TexasAmount guidance: program-specific; 7(a) maximum $5 million. Timing: provider-dependent; confirm availability of funds. Best suited to: long-term, lower-cost capital when the business can wait and has clean financials.
- Equipment financing in TexasFixed monthly. Amount guidance: provider-specific; size to repayment capacity. Timing: provider-dependent; confirm availability of funds. Soft costs (installation, delivery) may not be covered.
- Invoice factoring in TexasSettled when the customer pays the invoice. Amount guidance: provider-specific; size to repayment capacity. Timing: provider-dependent; confirm availability of funds. Recourse terms determine responsibility for unpaid invoices.
- Revenue-based financing in TexasAmount guidance: provider-specific; size to repayment capacity. Timing: provider-dependent; confirm availability of funds. Best suited to: e-commerce, subscription and seasonal businesses that want payments to flex with sales.
- Working capital loan in TexasFor Texas owners considering short gaps: inventory before a busy season, payroll, a tax bill, a large order. Amount guidance: provider-specific; size to repayment capacity. Operating-history requirements vary by provider.
Texas city funding hubs
Each city hub describes the local economy, business corridors and the industries that generate the most funding requests, then links the eighteen Texas industry guides and product pages for that market. Houston is the flagship Texas hub.
Houston, TXenergy and oilfield services, healthcare and life sciences, port logistics and trucking, petrochemical construction and fabrication, restaurants and hospitalityDallas, TXprofessional and financial services, wholesale trade and distribution, healthcare, construction and home services, restaurants and nightlife, logisticsSan Antonio, TXmilitary and defense contracting, healthcare and military medicine, tourism and hospitality, manufacturing and automotive, construction, financial-services supportAustin, TXtechnology and professional services, state government, food and beverage, live music and hospitality, fitness and wellness, construction and remodelingFort Worth, TXaviation and defense manufacturing, logistics and distribution, healthcare, tourism and dining, construction and home services, western retailEl Paso, TXcross-border logistics and manufacturing support, military and defense, healthcare, restaurants and retail, construction, truckingArlington, TXsports and entertainment hospitality, automotive manufacturing and supply, logistics and trucking, healthcare, auto repair and personal services, education-related technologyPlano, TXcorporate and professional services, technology and cybersecurity, healthcare and dental, upscale dining and retail, personal services and wellness, home servicesIrving, TXcorporate services and staffing, airport logistics and ground transportation, hospitality and conventions, healthcare, restaurants and international retail, warehousingFrisco, TXsports, fitness and youth athletics, healthcare, dental and pediatrics, retail and dining, home services and construction, education and childcareMcAllen, TXcross-border trade and produce logistics, retail serving northern Mexico, healthcare, trucking and cold storage, restaurants and hospitality, constructionLubbock, TXhigher education and healthcare, agriculture and cotton, restaurants and student-oriented retail, construction and home services, trucking and ag logistics, wind energy services
Industry guides across Texas
Every Texas city hub links all eighteen industry guides for that city. The examples below open the Houston guides; the same guide exists for each city listed above.
Restaurant funding in HoustonHealthcare funding in HoustonConstruction funding in HoustonRetail funding in HoustonSalon funding in HoustonTrucking funding in HoustonFast Business funding in HoustonBad Credit funding in HoustonCash Flow funding in HoustonAuto Repair funding in HoustonDental funding in HoustonGym funding in HoustonCleaning funding in HoustonLandscaping funding in HoustonE-commerce funding in HoustonManufacturing funding in HoustonHospitality funding in HoustonReal Estate funding in Houston
Funding by amount
Requests from Texas span the full range below. Each amount page explains which products tend to fit that size, what timing to expect and what helps a review at that level.
Process
How a funding review works in Texas
Review and plain-language options
We look at fit before anything else: revenue consistency, time in business, existing obligations and the use of funds. Then we explain the paths that make sense for a Texas business like yours and what each would cost in total.
Upload, review, choose
A secure application link collects statements and documents. Each resulting offer is laid out with total repayment, fees and prepayment terms. You are never obligated to accept, and no inquiry guarantees approval.
Texas questions
Answers for Texas business owners.
Does submitting the form guarantee funding?
No. An inquiry starts a review and does not guarantee approval, an offer, a particular amount, price, or timeline.
What should I prepare?
Start with accurate business contact information, a revenue range, and the intended use of funds. Sensitive documents belong only in the private application portal when requested.
Are options limited to this location?
Availability and requirements can vary. The location page provides context, while actual options depend on the business and provider criteria.
Does Texas require lenders to disclose the total cost of business financing?
Partly. Since September 2025, Texas HB 700 requires providers and brokers of commercial sales-based financing, such as merchant cash advances, to register with the state and give a standardized disclosure on covered transactions under $1 million. Term loans, lines of credit and factoring are not covered, so for those ask each provider for the total repayment amount, an annualized cost, the term, the payment frequency and prepayment terms in writing and compare offers on that basis.
Which Texas cities have their own funding hubs?
Houston, Dallas, Fort Worth, Arlington, Plano, Irving and Frisco in the two largest metros; Austin and San Antonio in Central and South Texas; El Paso and McAllen on the border; and Lubbock on the High Plains. Businesses anywhere in Texas can request a review through the same form.
What products do Texas trucking, oilfield-services and construction companies typically use?
Equipment financing for trucks, trailers and machinery, invoice factoring for freight bills and service invoices paid on terms, and lines of credit for fuel, payroll and materials are the most common. The Houston, Dallas, Fort Worth and McAllen hubs go into more detail on how the ports, the border and the interstate corridors shape those needs.
How do Texas weather and commodity cycles affect a funding review?
Underwriters look for consistent deposits across a full year, so an oilfield-services vendor whose revenue follows the rig count, a Gulf Coast contractor whose summer is interrupted by a storm, or a Rio Grande Valley produce distributor with a seasonal peak should apply during a strong stretch and consider products with payments that flex with revenue. A hurricane-season reserve is a legitimate use of a line of credit for a Houston-area business.
Does Texas lend to small businesses directly?
Mostly not. Texas backs programs such as Texas Small Business Credit Initiative (TSBCI) and Texas Micro-Business Disaster Recovery Loan Program, which usually work through participating banks and community development lenders: the state shares the risk or adds capital, and the business applies through the lender. Each program's official page lists whether it is open and the current terms.
Where is the SBA office for Texas?
Texas has 6 SBA district offices: Dallas / Fort Worth (150 Westpark Way, Suite 130, Euless, TX 76040); Houston (8701 S. Gessner Dr. Suite #1200, Houston, TX 77074); San Antonio (615 E. Houston St., Suite 298, San Antonio, TX 78205); El Paso (211 N. Florence St., Suite 201, El Paso, TX 79901); Lower Rio Grande Valley (2422 E. Tyler Ave., Suite E, Harlingen, TX 78550); West Texas (1205 Texas Ave., Room 408, Lubbock, TX 79401). District offices do not lend; they point owners to SBA lenders, resource partners and programs.
What is an SBA loan?
It is a loan from a private lender that the U.S. Small Business Administration partly guarantees: on a standard 7(a) loan the SBA guarantees 85% of loans up to $150,000 and 75% of larger ones. The lender reviews the application and sets the terms within the SBA's limits; the SBA itself does not lend the money.
What interest rates can an SBA 7(a) loan in Texas carry?
The lender sets the rate, but on a variable-rate 7(a) loan it cannot exceed prime plus 3.0 to 6.5 percentage points depending on the loan size. With prime at 7.00%, that puts the ceiling between 10.0% for loans over $350,000 and 13.5% for loans of $50,000 or less.
What is an SBA microloan?
A loan of up to $50,000 made by a nonprofit intermediary lender with SBA funds; the SBA says the average is about $13,000. Terms run up to seven years, rates are set by the intermediary and generally fall between 8% and 13%, and the money can go to working capital, inventory, supplies, furniture, fixtures, machinery or equipment, but not to paying existing debts or buying real estate.
Are there business loans under $50,000 in Texas?
Yes. SBA Microloans of up to $50,000 are made through nonprofit intermediary lenders, and a 7(a) loan of $50,000 or less does not require collateral under SBA rules, though its maximum rate is the highest of the 7(a) bands. Smaller term loans, lines of credit and equipment financing from private lenders also start well below that amount.
Ranges on this page are published market guidelines, not offers, and nothing here guarantees approval. What a funding specialist review adds is comparison: several funding partners looking at one Texas application, with the results explained on total cost so the choice is yours.