Business Banking
Our Business Banking group specializes in serving privately held companies with annual revenue up to $25 million, and our clients span a broad range of industries across the state of Texas.
Business Banking
Our Business Banking group specializes in serving privately held companies with annual revenue up to $25 million, and our clients span a broad range of industries across the state of Texas.
What Sets Texas Capital Business Banking Apart
At Texas Capital, we recognize that your financial journey is uniquely yours. Whether you’re launching a new business, expanding operations, purchasing equipment, optimizing cashflow or planning for your personal future, our customized business banking solutions are designed to meet the needs of your business — so you can focus on what matters most.
Local Business Banking Teams
You will always have access to the products, solutions and expertise you need thanks to our in-market Relationship Managers and dedicated Treasury Solutions, Credit and Client Service Specialists.
Preferred SBA Lender
Texas Capital offers streamlined access to both SBA-guaranteed 7(a) and 504 loans — supported by a dedicated SBA team, low down payments, longer terms and flexibility to preserve cash.
Treasury Solutions
Our comprehensive treasury platform — anchored by BankNow™, our secure online and mobile banking solutions — offers advanced tools for collections, payments, reporting and fraud protection.
Head of Business Banking
Meet Brett Fenn
Whether you're scaling your team, investing in equipment, expanding inventory or pursuing that next acquisition, hear from Brett Fenn, Head of Business Banking at Texas Capital, on how we empower your ambitions. Watch Brett share how we approach lending differently — not just approving transactions but building alongside business owners who are ready to invest in their future.
Scaled Business Banking solutions that make sense for you
Our Business Banking product offerings have been reimagined to fit your needs.
Conventional and SBA Business Loans
From revolving lines of credit to owner-occupied real estate loans, our conventional and SBA lending solutions are designed to support a wide range of businesses at every stage of growth.
Equipment & Technology Financing & Leasing
Stay on the cutting edge with flexible interest-only solutions designed to reserve working capital and fully leverage tax benefits.
Real Estate Lending
Purchase, build or expand your business with our conventional or SBA loans with up to 25-year terms, expert advice and local support and insights.
Deposit Accounts
We help businesses optimize liquidity and manage cash flow with tailored deposit solutions — including operating accounts, reserve and restricted cash options — paired with advanced cash management tools.
Commercial Cards
Our commercial card solutions — spanning Travel & Entertainment, One Card, Purchasing Card and ePayables — streamline spend management with accounting system integration, customizable controls and digital wallet compatibility.
Merchant Services
Our merchant services empower businesses to accept payments across all channels — from cards and digital wallets to e-checks and gift cards — while streamlining operations with real-time processing, recurring billing and e-commerce integration.
Foreign Exchange
Texas Capital’s Foreign Exchange platform delivers direct market access, expert advisory, and multi-channel execution — empowering businesses to manage global currency needs through hedging strategies and foreign currency accounts across our integrated Global Banking platform.
Private Banking
Texas Capital’s Private Bank delivers a personalized, family office-style experience— offering investment management, custom credit, concierge banking, business succession planning and trust and estate planning — while partnering with clients to build tailored strategies for wealth preservation and transfer.
Investment Banking & Capital Markets Coverage
M&A advisory, capital raising and restructuring — includingstrategic guidance for businesses considering consolidation and rollup opportunities.
Conventional and SBA Business Loans
From revolving lines of credit to owner-occupied real estate loans, our conventional lending solutions are designed to support a wide range of businesses at every stage of growth.
Equipment & Technology Financing & Leasing
Stay on the cutting edge with flexible interest-only solutions designed to reserve working capital and fully leverage tax benefits.
Real Estate Lending
Purchase, build or expand your business with our conventional or SBA loans with up to 25-year terms, expert advice and local support and insights.
Deposit Accounts
We help businesses optimize liquidity and manage cash flow with tailored deposit solutions — including operating accounts, reserve and restricted cash options — paired with advanced cash management tools.
Commercial Cards
Our commercial card solutions — spanning Travel & Entertainment, One Card, Purchasing Card and ePayables — streamline spend management with accounting system integration, customizable controls and digital wallet compatibility.
Merchant Services
Our merchant services empower businesses to accept payments across all channels — from cards and digital wallets to e-checks and gift cards — while streamlining operations with real-time processing, recurring billing and e-commerce integration.
Foreign Exchange
Texas Capital’s Foreign Exchange platform delivers direct market access, expert advisory, and multi-channel execution — empowering businesses to manage global currency needs through hedging strategies and foreign currency accounts across our integrated Global Banking platform.
Private Banking
Texas Capital’s Private Bank delivers a personalized, family office-style experience — offering investment management, custom credit, concierge banking, business succession planning and trust and estate planning — while partnering with clients to build tailored strategies for wealth preservation and transfer.
Investment Banking & Capital Markets Coverage
M&A advisory, capital raising and restructuring — including strategic guidance for businesses considering consolidation and rollup opportunities.
Conventional and SBA Business Loans
Purchase, build or expand your business with our conventional or SBA loans with up to 25-year terms, expert advice and local support and insights.
Equipment Financing and Leasing
Stay on the cutting edge with flexible interest-only equipment financing & leasing solutions designed to reserve working capital and fully leverage tax benefits.
Owner-Occupied Real Estate Lending
From revolving lines of credit to owner-occupied real estate loans, our conventional lending solutions are designed to support a wide range of businesses at every stage of growth.
Deposit Accounts
We help businesses optimize liquidity and manage cash-flow with tailored deposit solutions — including operating accounts, reserve and restricted cash options — paired with advanced cash management tools.
Commercial Cards
Our commercial card solutions — spanning Travel and Entertainment, One Card, Purchasing Card and ePayables — streamline spend management with accounting system integration, customizable controls and digital wallet compatibility.
Merchant Services
Our merchant services empower businesses to accept payments across all channels — from cards and digital wallets to e-checks and gift cards — while streamlining operations with real-time processing, recurring billing and e-commerce integration.
Foreign Exchange
Texas Capital’s Foreign Exchange platform delivers direct market access, expert advisory and multi-channel execution — empowering businesses to manage global currency needs through hedging strategies and foreign currency accounts across our integrated Global Banking platform.
Private Banking
Texas Capital’s Private Bank delivers a personalized, family office-style experience — offering investment management, custom credit, concierge banking, business succession planning and trust and estate planning — while partnering with clients to build tailored strategies for wealth preservation and transfer.
Investment Banking and Capital Markets
We offer M&A advisory, capital raising and restructuring — including strategic guidance for businesses considering consolidation and rollup opportunities.
Connect with our Business Banking team.
Begin your relationship with Texas Capital today, starting with a conversation about how our team of Business Bankers can empower your business.
My experience with Texas Capital through my relationship managers has been awesome; they always go above and beyond.
Victor Aguirre
Alamo Lighting & Electric, Inc.
Frequently Asked Questions
Can Texas Capital provide financing to help grow and scale our business?
Yes. We offer flexible financing solutions including lines of credit, equipment financing and technology financing and leasing, real estate lending and SBA loans designed to provide working capital and expansion funding as your business grows.
What fees are you charging, and are they transparent?
We believe in transparent pricing with no hidden fees. We’ll clearly outline monthly maintenance, transaction fees and any service charges up front before you open an account.
How quickly can you process my loan or credit requests?
Our Texas-based Business Banking teams are empowered to act fast and evaluate applications with real market context while providing centralized decisions quickly. You’ll receive clear updates at each milestone – from initial review through final decision.
Do you understand my industry and specific business needs?
Our Business Banking team specializes in serving different business types (for example: wholesalers, manufacturers, distributors, healthcare practitioners, and professional service companies to name a few) with tailored solutions. Our local, in-market client teams take time to understand your industry challenges and provide customized banked strategies.
Will I work with the same person or relationship manager?
Absolutely. In addition to a dedicated in-market relationship manager who knows your business, understands your goals and serves as your primary point of contact for all your business banking needs, you’ll have access to Texas-based partners in Treasury, Equipment Finance, SBA Lending, Private and Investment Banking.
What additional services do you offer beyond basic banking?
We provide comprehensive Business Banking solutions including conventional business loans, SBA loans, merchant services, commercial cards, analyzed accounts, foreign exchange, private banking services and capital market solutions — all integrated in one place.
How will you protect my business against fraud and cyber threats?
We prioritize security with advanced fraud detection, account monitoring and protective measures to keep your business safe. Ask us about our specific security protocols.
Connect with our Business Banking team.
Begin your relationship with Texas Capital today, starting with a conversation about how our team of Business Bankers can empower your business.
Additional Insights
Business Banking
How to Detect and Prevent Check Fraud in Business Banking
<p>Check Fraud is one of the oldest forms of financial crime, yet it continues to evolve and cost businesses billions each year. </p>
Business Banking
How to spot Social Engineering in Business Banking
<p>Social Engineering has become one of the most dangerous and deceptive threats to business banking.</p>
Business Banking
The Ultimate Guide to How the One Big Beautiful Bill Act Impacts Your Taxes
<p>Learn how OBBBA could affect your taxes.</p>