TX · State guide

Business loans in Texas

Texas businesses can reach three separate pools of money: lenders that publish availability here, the state's own financing programs, and federal SBA lending through local participants. We have 6 state programs on file with published terms, and 7 still linked from live government pages that are no longer open.

51 cities covered Checked 14 Sep 2026
Get funding in Texas See the shortlist

Where to start in Texas

1 lender names TX in its own published availability — those come first, marked. Nearly nobody publishes a state list at all, so the rest is the directory ranked by how much each lender puts on the record, which is the only ordering we can defend.

  1. 44%

    CFG Merchant Solutions

    Publishes TX availability
    Amounts not disclosed Under 24 hours No credit floor published
    4/9 on the record
  2. 100%

    Forward Financing

    $5K – $500K Same day Credit from 500
    9/9 on the record
  3. 100%

    ROK Financial

    $10K – $5M 1-3 days Credit from 500
    9/9 on the record
  4. 100%

    South End Capital

    $1K – $5M Same-day funding available Credit from 650
    9/9 on the record
  5. 89%

    Bizcap US

    Up to $2M Same day Credit from 550
    8/9 on the record
  6. 89%

    ByzFunder

    Up to $500K Same day Credit from 525
    8/9 on the record
  7. 89%

    Fora Financial

    $5K – $1.5M As little as 24 hours Credit from 570
    8/9 on the record
  8. 89%

    Fox Business Funding

    Up to $1M As little as 2 business days Credit from 550
    8/9 on the record
  9. 89%

    National Funding

    $6K – $500K As fast as 24 hours Credit from 600
    8/9 on the record
  10. 89%

    Straight Line Source

    Partner
    $5K – $10M Same day Credit from 500
    8/9 on the record
  11. 78%

    Biz2Credit

    $25K – $2M Decision as fast as 24 hours Credit from 650
    7/9 on the record
  12. 78%

    CAN Capital

    $2K – $400K As fast as the next business day Credit from 600
    7/9 on the record
published not published Ordered by disclosure, not by what anyone pays us. The score is a count of what a lender publishes, not a rating of the lender.

Lenders that exclude Texas

A published no is worth as much as a published yes, and almost nobody shows it.

Biz Capital MiamiBiz2Credit

What Texas itself funds

Texas Small Business Credit Initiative (TSBCI)Administered by Texas Economic Development Bank, Office of the Governor. Two SSBCI-funded credit enhancements: a Capital Access Program (CAP) that "provides matching portfolio insurance premium payments to a loan loss reserve (LLR)" with potential recovery of up to 100% of charged-off principal, and a Loan Guarantee Program (LGP) that "provides guarantees of up to 80% of unpaid principal on enrolled loans." Published amounts: CAP: "$5,000 up to $5 million." LGP: "$5,000 up to $20 million." Treasury allocated $118 million to the capital access program and $354.1 million to the loan guarantee program out of the $472.0 million total. Eligibility as published: Borrowers must be "for-profit organizations, domiciled in Texas" with fewer than 500 employees (fewer than 10 for Very Small Businesses), maintaining "a minimum of 51% of their employees currently located in Texas." Focus on "traditionally marginalized" businesses and those impacted by COVID-19.
Texas Enterprise Fund (TEF)Administered by Office of the Texas Governor (Governor, Lieutenant Governor and Speaker must all agree). "Deal-closing" performance-based cash grants for new facilities or expansions with significant job creation and capital investment. Published amounts: Grants "calculated according to a uniform analytical model" with "per-employee award amounts subject to adjustment based on the company's total proposed capital investment." No published floor or ceiling. FY25: five TEF agreements totalling $13,327,350. Eligibility as published: A Texas site must be actively competing with at least one out-of-state option and no location decision may yet have been made; job creation must exceed 75 positions in urban areas or 25 in rural areas; average wage for new jobs must meet or exceed the county average wage; significant capital investment and local (city/county/school district) support required.
Texas Industrial Revenue Bond Program (IRB)Administered by Texas Bond Review Board (volume cap) with local Industrial Development Corporations as issuers; coordinated by the Texas Economic Development Bank. "tax-exempt or taxable bond finance for projects involving significant private activity that promote new and existing businesses." Published amounts: Tax-Exempt Manufacturing: "$10,000,000" maximum issue. Exempt-Facility Bonds: "No limit." Taxable Bonds: "No limit." Eligibility as published: Local IDCs issue "on behalf of a city, county or conservation and reclamation district for the benefit of private companies for eligible projects within their jurisdiction," per the Development Corporation Act of 1979.
Texas Micro-Business Disaster Recovery Loan Program (MBDR)Administered by Texas Economic Development & Tourism Office / Texas Economic Development Bank. Zero-interest loans to eligible CDFIs "for purposes of making interest-bearing loans to qualifying micro-businesses" after a declared disaster. Published amounts: "up to $8,000,000 (through August 31, 2026)" in total programme funding. CDFIs borrow at zero interest; end-borrower rates are set by the participating CDFI. Eligibility as published: Micro-businesses domiciled in Texas with at least 95% of employees in state, no more than 20 employees, in good standing under state law, with no delinquent state taxes before the disaster declaration. Franchises, national chains, lobbying firms and private equity firms excluded.
Texas Jobs, Energy, Technology and Innovation Act (JETI)Administered by Office of the Texas Governor with the Texas Comptroller and school districts. "competitive economic incentive program used to attract large, capital-intensive economic development projects" via school district property value limitation agreements. Eligibility as published: Large capital-intensive projects; eligibility set by statute and by agreement with the relevant school district.
Texas Enterprise Zone Program (EZP)Administered by Texas Economic Development Bank, Office of the Governor. State sales and use tax refunds for capital investment and job creation/retention at qualified business sites nominated by local communities. Eligibility as published: Businesses nominated by a city or county; benefit levels tied to capital investment and number of jobs created or retained.

Programs you may still see linked that are not open

Each of these is still reachable from a live government page, and none of them is currently accepting applications. A live link is not an open program, and finding that out after you have built a plan around one costs weeks.

Original Capital Access Program (OCAP)WINDING DOWN. FY2025 Texas Economic Development Bank report: "OPCAP is expected to be wound down by the second quarter of FY26." Superseded by the TSBCI Capital Access Program. No standalone live programme page - https://gov.texas.gov/business/page/capital-access-program does not describe it.
Texas Leverage Fund (TLF)DEAD BUT STILL REFERENCED. The programme stopped accepting applications in 2015 per the FY2025 Texas Economic Development Bank report; the gov.texas.gov programme URL now returns a server error, yet the fund is still described as an available Texas incentive on numerous local EDC websites.
Product Development and Small Business Incubator Fund (PDSBI)REPEALED BUT STILL WIDELY LINKED. FY2025 Texas Economic Development Bank report: "House Bill 1515 (88-R) repealed the PDSBI program and in July 2023, the bonds for both programs were redeemed." The gov.texas.gov programme URL returned a server error on 2026-09-10. Despite repeal, dozens of Texas city and county EDC sites still list PDSBI as a live state incentive, and the Governor's office has continued to publish board-appointment news releases for the Product Development and Small Business Incubator Board.
Small Business Disaster Recovery Loan Program (SBDR)NEVER LAUNCHED. FY2025 Bank report: "SBDR did not receive an appropriation to fund the loan program...and therefore has not been implemented."
Texas Micro-Business Disaster Recovery Loan Guarantee Program (MBDRLG)NEVER LAUNCHED. FY2025 Bank report: "This program did not receive funding or FTEs and therefore has not been implemented."
Texas Small and Rural Community Success Fund (TSRCS)NOT YET OPERATIONAL as of 2026-09-10. FY2025 Bank report: "The program is expected to launch in the third quarter of FY26." No application process published yet.
Spaceport Trust Fund (STF)REPEALED BUT STILL LINKED from gov.texas.gov's incentives index. FY2025 Bank report: "House Bill 5246 (89-R) repealed the Spaceport Trust Fund effective September 1, 2025," though existing agreements remain valid.

Federal money behind these programs

Texas was allocated up to $472.0 million under the federal State Small Business Credit Initiative, which is what funds most of the credit enhancements above. SSBCI money reaches businesses through participating lenders rather than from the state directly, so the application still goes through a bank or a CDFI.

What we could not confirm

Census figures taken verbatim from QuickFacts BZA010223 for Texas, all reference year 2023. SSBCI: Treasury press release JY1316 (2 March 2023), "Treasury Announces Approval of Up to $890.7 Million to Support Small Business Success Across Three States", states "Texas, approved for up to $472.0 million, will operate two programs: a capital access program and a loan guarantee program." EXPIRED-BUT-STILL-LINKED PROGRAMS FOUND IN TEXAS: the Product Development and Small Business Incubator Fund (repealed by HB 1515, 88-R, bonds redeemed July 2023) is still presented as a live state incentive on many Texas local EDC websites; the Texas Leverage Fund has not accepted applications since 2015 yet is still listed by local EDCs; the Original Capital Access Program is winding down in Q2 FY26; the Spaceport Trust Fund was repealed effective 1 September 2025 but is still linked from the Governor's incentives index; and the Micro-Business Disaster Recovery Loan Program's published funding authority runs only "through August 31, 2026" - a date now passed - with no page update. Program statuses come from the official FY2025 Texas Economic Development Bank Annual Status Report (https://gov.texas.gov/uploads/files/business/FY2025_Bank_Report.pdf). Cities: source is the Wikipedia list of Texas municipalities, whose primary population column is a 2025 estimate. Because the table is sorted by 2025 rank rather than alphabetically, it was read in four consecutive rank blocks (1-50, 51-105, 106-160, 161-215) to defeat single-fetch truncation; the population threshold of 20,000 falls between rank 158 (La Marque, 20,324) and rank 159 (Brenham, 19,957), giving 158 municipalities. Rank ordering was verified continuous with no gaps across the four blocks.

Headquartered in Texas

Where a lender is based says nothing about where it lends. It is here because businesses ask.

Accord Business FundingBackd Business Funding

Cities in Texas

AbileneAllenAmarilloArlingtonAustinBeaumontBrownsvilleBurlesonCarrolltonCollege StationConroeCorpus ChristiDallasDentonEdinburgEl PasoFort WorthFriscoGarlandGeorgetownGrand PrairieHoustonIrvingKilleenLaredoLeague CityLewisvilleLongviewLubbockMcAllenMcKinneyMesquiteMidlandNew BraunfelsOdessaPasadenaPearlandPlanoRichardsonRockwallRound RockSan AngeloSan AntonioSan MarcosSeguinShermanSugar LandTylerWacoWaxahachieWichita Falls

More for Texas

Question and answerCan a business lender sue me in another state? Your contract's forum clause usually decides it, and two states have written rules that override what the contract says. GuideConfession of judgment clauses and the state rules that now limit them New York restricted where one can be filed in 2019. Virginia and Texas ban them outright in sales-based financing. Everywhere else, read your contract. Question and answerDo I get a disclosure sheet before I sign business financing? In eleven states, yes, though what is on it and when it arrives varies a great deal. Everywhere else you get whatever you insist on. Question and answerDoes my business funding broker need to be registered or licensed? In five states, yes, and you can check. In several others they cannot charge you a fee before anything funds. Question and answerDoes my state cap the interest rate on a business loan? There is usually a cap in the statute book and usually an exemption that removes it before it reaches you. Question and answerIs a merchant cash advance legal in my state? No state has banned the product. What differs between states is how much a funder has to tell you first and whether anyone has to be registered.

Business funding in Texas — common questions

Can I get business funding in Texas?

Yes. 12 funders in this directory serve businesses in Texas, and 1 of them name Texas explicitly in their published availability rather than being included by default.

Does Texas require lenders to disclose the cost of business financing?

Texas's position is set out on this page. As of 2026 only a small number of states require a commercial financing disclosure, and in the rest you will not receive one — which means you have to ask for the total dollar cost, the term and every fee in writing yourself.

Are there state programmes for small business capital in Texas?

3 state-level programmes are recorded here with a link to the administering agency. Programmes open and close, so confirm the current position on the agency's own site before relying on one.

Is a merchant cash advance legal in Texas?

Commercial financing generally sits outside the consumer credit rules most people have heard of, and most state usury caps do not reach business-purpose transactions. What varies is disclosure, broker registration and lender licensing. This is general information, not legal advice for your situation.

How do I check for liens filed against my business in Texas?

Through Texas's UCC filing office, which is named on this page. Search your exact registered entity name — a filing under a slightly different name will not come back, and neither will a stale one nobody terminated.

Which lenders will not fund in Texas?

Where a funder publishes an excluded-states list, this page shows it. Many publish nothing, which is not the same as being available — it means you have to ask.

Does being based in Texas change what I pay?

Not directly in most cases. What changes is what you are told before you sign, and what recourse you have afterwards, both of which depend on your state's rules and on the jurisdiction clause in the contract.

What should I have ready before applying?

Three months of business bank statements, your time in business from a verifiable date, average monthly deposits, your entity's good standing, and a clear figure for what you need and what for.

How current is this page?

Every figure carries the date it was checked. Where a check has passed its review date the page says so rather than presenting as current.