Business Term Loans in Texas

Texas

Business term loans for Texas owners

From Houston to El Paso, Texas business owners use conventional term loans to expand, consolidate debt, buy equipment, renovate and pay off merchant cash advances. Loans run from $50,000 to $10 million with terms from 18 months to 10 years and one fixed monthly payment.

These are conventional, non-SBA loans, so there's less paperwork and a faster close than SBA, with bank-style payments. They're a strong fit for established Texas companies in oil and gas, construction and manufacturing with a 665+ credit score.

Popular uses

Pay Off Merchant Cash Advances: Replace daily debits with one fixed monthly payment
Expansion & New Locations: Open, build out or grow
Debt Consolidation: One lower payment instead of many
Equipment Purchases: Buy equipment on a conventional loan
Renovation & Improvements: Upgrade the space your customers see

Term loans near you

Business term loans in Houston, small business loans in San Antonio, MCA payoff loans in Dallas, and business expansion loans in Austin, Fort Worth and El Paso.

At a glance

Terms

Amount	$50,000 – $10,000,000
Term	18 months – 10 years
Payment	Fixed monthly
Credit	665+ FICO
Collateral	Secured or unsecured
Program	Conventional, non-SBA
MCA payoff	Yes, consolidate advances

Apply now Talk to Mike · (210) 702-8811

Questions

Term loans in Texas: FAQ

Do you offer business term loans in Texas?

Yes, throughout Texas, including Houston, San Antonio, Dallas, Austin, Fort Worth and El Paso.

How much can I borrow?

$50,000 to $10 million, secured or unsecured, depending on revenue, credit and collateral.

What terms are available?

From 18 months to 10 years, with a fixed payment for the life of the loan.

What credit score do I need?

Generally 665 or higher for conventional term loans. Lower scores may fit our working capital or asset-based programs.

Can a term loan pay off my MCAs?

Yes. Paying off merchant cash advances and consolidating short-term debt is one of the most common uses.

Is this an SBA loan?

No. These are conventional, non-SBA term loans, usually with less paperwork and faster closings than SBA. We also arrange SBA 7(a) loans if you prefer.

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Other financing in Texas

Commercial financing is arranged through Win-Win Capital Funding's network of banks, equipment lessors and asset-based lenders. Rates, terms, advance rates and amounts depend on credit, time in business, revenue, collateral and the equipment, and all financing is subject to credit approval and documentation. Tax treatment varies; consult your tax advisor. This is not a commitment to lend.