Small business loans that fuel Texas-sized ambitions
Explore loans up to $250,000¹ to meet
the needs of your small business.
Small business loans that fuel Texas-sized ambitions
Explore loans up to $250,000¹ to meet
the needs of your small business.
Grow your small business with customized lending solutions.
Managing funds while growing your business is one of your most important financial challenges. Texas Capital Bank provides expert financial advice paired with unique small business loan solutions to help you reach your goals.
Accessible Loan Amount
Discover loans ranging from $15,000 to $250,000, tailored to meet the specific needs of your small business.
Flexible Financing
Choose between Term Loans and Lines of Credit to manage your cash flow, fund daily operations, or finance growth initiatives. Cash- secured options are also available for both loan types.
Personalized Service
Receive dedicated support from experienced bankers, available to assist you in person or over the phone, ensuring you have the guidance you need every step of the way.
Our small business loans make acquiring capital easy.
As a small business owner, we understand acquiring capital can be a challenge. Texas Capital Bank offers term loans and lines of credit for small businesses at affordable rates.
As the premier financial services firm headquartered in Texas, we are keenly focused on the success of small businesses in our state. We offer multiple financing options to choose from. Whether a term loan, line of credit, or even a cash-secured loan best meets your needs, we’re here to help. Our team of experienced bankers is committed to providing personalized service and expert advice to help you navigate the loan process and achieve your business goals.
Term loan or line of credit?
Learn the differences and benefits of each option with this insightful video from Head of Retail Banking, Lee Harris. The video reviews definitions for each type of loan and includes example scenarios to help you understand which option may be best for your business need.
Small Business Loan Products
Small Business Pathway Loan
Loan amounts from $15,000 - $50,000 <hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Interest rate as low as 9.00%²
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Loan terms up to 48 months
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Term loan or line of credit
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Small Business Pathway Plus Loan
Loan amounts from $50,001 - $250,000
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Interest rate as low as 9.00%²
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Loan terms up to 60 months
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
Term loan or line of credit
<hr style="background-color:#CC0000;border-color:#CC0000; width:10%;">
What do I need to apply for a loan?
In order to apply for one of our small business loans, you will need³:
- 680 minimum personal credit score
- Minimum one year in business
- A Texas Capital Bank Small Business checking account (can be opened during the closing process if you do not yet have a checking account)
Applying for a loan.
Step 1:
Ensure you meet the qualifications.
Step 2:
Gather documents that you will need to use during your application process. Texas Capital Bank provides a list of detailed requirements of what you need to start the loan application.
Step 3:
Contact our experts to begin an application.
Applying for a Loan
Step 1:
Ensure you meet the qualifications.
Step 2:
Gather documents that you will need to use during your application process. Click here for a list of detailed requirements of what you need to start the loan application.
Step 3:
Complete your online application.
FAQs
What do I need to get started?
You will need to know the loan amount you’re requesting and some basic information about the business and all owners of the business. See a complete list of required information.
Why should I choose Texas Capital Bank?
As the premier financial services firm headquartered in Texas, we are keenly focused on the success of small businesses in our state.
Our team of experienced bankers is committed to providing personalized service and expert advice to help you navigate the loan process and achieve your business goals.
What makes a Texas Capital Bank small business loan different?
Our loan programs include personalized service to help you throughout the process, along with a streamlined online application and eSign loan closing process to make it easier than ever to secure the funding you need without hassle.
What types of small businesses do you finance?
We offer financial solutions for small businesses within a variety of industries and specializations. The business must be domiciled in Texas and in business for at least one year.
What are the minimum requirements to qualify for a small business loan?
You’ll need a minimum personal credit score of 680, at least one year in business, and a Texas Capital Bank Small Business Checking account in good standing.
Small Business checking account is absent of any fraudulent activity or excessive overdrafts.
What loan types are available?
We offer both term loans and lines of credit for amounts ranging from $15,000 - $250,000. Cash secured options are available for both types of loans.
Small Business Resources
![Texas Star on ceiling]()
![Two small business employees looking at warehouse inventory for their small business]()
![Woman leading a business meeting]()
Streamlined Application
Enjoy a seamless and intuitive online application process, designed to save you time and effort.
Make the most of your money with Premier Checking.
How it Works:
1. Open a new Premier Checking Account online in just minutes.
2. Fund your account within 30 days with at least $25,000.
3. Maintain an average monthly balance of at least $25,000 for 90 days.
4. Set up deposits totaling $2,500 per month for the first 3 consecutive months.
5. Receive a $500 qualifying cash bonus deposited to your account at the end of 90 days.
¹Offer valid 8/12/2024 – 12/31/2024. The $500 Origination Fee waiver only applies to businesses seeking a total credit exposure up to $100,000. “Submitted” means all required documentation has been provided to the Texas Capital Bank Financial Center Manager and/or Relationship Manager along with a fully-completed credit application. Applicants who do not complete the credit application or do not provide all required documentation will not qualify. Terms for credit products are subject to final credit approval by Texas Capital Bank. Small business credit products are available for business in operation one or more years.
¹ Loan amounts greater than $250,000 are available through Texas Capital’s Business Banking group.
²Advertised "as low as" rate is effective as of March 31, 2025 and is subject to change. Your actual interest rate may differ based on market rate, your creditworthiness and loan amount.
³All credit applications are subject to Texas Capital credit approval, background check and policy guidelines. These loans are not backed by the Small Business Administration.