Small Business Loans in Texas
Learn All About Texas Small Business Loans
If you’re starting or expanding a small business in Texas, the first thing you’ll likely need is capital. Whether you’re opening a shop in Dallas, expanding a landscaping company in Austin, or upgrading the kitchen of your San Antonio catering, a small business loan can provide the money you need to get started.
Fortunately, the state of Texas offers programs designed specifically for residents while nationwide programs can provide plenty of options as well.
Key Points
- • Small business loans in Texas support capital needs for startups and expansions.
- • The Texas Small Business Credit Initiative allocates $472 million through CAP and LGP.
- • Microloans, up to $50,000, may be easier to obtain.
- • SBA loans offer lower interest rates and longer repayment terms.
- • Grants from the Texas Enterprise Fund and Texas Workforce Commission provide additional funding options.
Popular Types of Small Business Loans in Texas
Small business owners in Texas can take advantage of a variety of programs offered through the state and nationally.
Recommended: Small Business Financing Guide
Texas Small Business Loan Programs
In Texas, the Governor’s Office of Small Business Assistance works with various partners to help provide small businesses with capital.
The Texas Small Business Credit Initiative (TSBCI) works with financial institutions to help provide resources for small businesses, especially those that have been traditionally underserved or affected by the COVID-19 pandemic.
The TSBCI allocates $472 million to invest in the state’s small business ecosystem, through two different programs: the Capital Access Program (CAP) and the Loan Guarantee Program (LGP). Loans of $5,000 up to $5 million may be enrolled in the CAP program, while Loans of $5,000 up to $20 million may be enrolled in the LGP.
To be eligible for these loans, small businesses must be for-profit, have 500 or fewer employees, be based in Texas, and a minimum of 51% of their employees must be located in-state.
There are also a variety of non-profit lenders located in Texas who focus on lending to disadvantaged businesses. These include organizations such as BCL of Texas, LiftFund, and PeopleFund. In addition to loans, these lenders offer mentoring, advice, and workshops.
SBA Loans
An SBA loan is a small business loan that is partially guaranteed by the U.S. Small Business Administration (SBA). The SBA partners with traditional lenders, such as banks and credit unions, who provide the loans. The SBA makes it easier for these lenders to offer loans, because they cover a portion of the loan if the borrower defaults.
SBA loans can be used for a wide variety of business purposes, including to buy equipment, provide working capital, purchase real estate, or refinance debt. They also typically offer lower interest rates than other conventional business loans and may offer longer repayment terms.
There are several types of SBA loans. The 7(a) Loan is the most common and suitable for most small business purposes. The 504 Loan, on the other hand, is designed mainly to purchase real estate or equipment. Small businesses may also apply for disaster loans that can aid recovery in declared disaster areas, and Express loans that help businesses that need a cash infusion quickly.
Recommended: SBA Loan Calculator
Term Loans
Small business loans are typically a type of a term loan. These loans offer borrowers a lump sum and are repaid over a set period of time with a fixed interest rate. They are typically used to start or expand a business, make large purchases of real estate or equipment, manage daily operations, or consolidate debt.
Business and startup loans may be secured by collateral, something of value that backs the loan, or they may be unsecured and don’t require collateral.
Equipment Financing
Equipment financing is a type of loan that allows you to purchase business equipment such as vehicles, machinery, or new technology without needing to cover the cost upfront. The purchase equipment itself often serves as collateral for the loan.
Financing equipment can be useful for a small business because it offers manageable payments while preserving capital that can be used for other operational purposes.
Business Lines of Credit
Business lines of credit are alternatives to a term loan. They are a form of revolving credit that functions, in many ways, like a credit card. They allow you to borrow money up to a certain limit, and the amount you borrow accrues interest. Once you pay it back that money is again available to borrow.
How to Apply for a Small Business Loan in Texas
Before applying for a small business loan, the following steps can help you get organized and increase your chances of approval.
Define Your Loan Purpose and Amount
Your lender will want to know exactly what you wish to use your loan for. Clearly define your need and the amount of money it will take to meet it.
Know Your Credit Score
Various lenders will have different requirements for the credit score you’ll need to qualify for a business loan. Some may require a score of 680 or higher, while others may work with borrowers with lower scores. Know your personal and business credit score to get a better understanding of which lenders you can work with.
Note, lenders typically offer their best terms and interest rates to borrowers with higher scores. If you have the time, you may wish to improve your credit score before applying for a loan.
Gather Your Key Documents
To apply for a loan, prepare key documents, including your detailed business plan, tax returns, and your business and personal financial statements.
Compare Lenders and Loan Offers
When it comes to loans, it pays to shop around. Carefully compare lenders and loan offers, looking closely at interest rates, fees, and other costs. Doing so can potentially help you save thousands of dollars over the life of the loan. Compare other terms and well to help ensure you choose the loan that works best for your situation.
A business loan calculator can help you understand your monthly payments and the overall cost of a loan to help you make informed decisions.
Submit Your Application and Await Approval
You can apply for a small business loan directly through banks for online lenders. If approved, carefully review the loan agreement. It will include information on the amount of the loan, the interest rate, and the repayment schedule. Be sure these work for you before you sign.
Tips for Improving Your Loan Approval Chances
There are several steps you can take to improve your chances of business loan approval.
First, both your personal and business credit scores will be important factors in any lender’s decision. So be sure to pay your bills on time and keep your debt low. Paying down debt can decrease your debt-to-income ratio, another important metric lenders use when determining credit worthiness.
Be sure to have a detailed business plan that includes a description of your company, market analysis, your goals, market position, marketing and sales strategies, and how you will use the funds to generate revenue. Be sure to have detailed financial records, including tax returns, bank statements, and profit and loss statements that document your business’ financial health.
Other Funding Options for Texas Small Business
In addition to loans, Texas small businesses may look to small business grants to provide funding. For instance, the Texas Enterprise Fund (TEF) provides performance-based cash grants to companies looking to create jobs and attract capital investment in Texas.
The Texas Workforce Commission offers grants to businesses with fewer than 100 employees to incentivize training for new, full-time employees.
THe SBA also offers a limited number of grants to small businesses for scientific research, community promotion of entrepreneurship, and exporting.
The Takeaway
Access to capital is a critical driver for small businesses in Texas looking to get off the ground or grow. The state offers residents access to a wide variety of programs that provide businesses with the opportunity to meet their funding needs. Understanding what these state and national opportunities are and how to best prepare yourself to qualify for a loan can set your small business up for long-term success.
If you’re seeking financing for your business, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your business in minutes.
(without impacting your credit score)†
FAQ
How do I get a small business loan in Texas?
First prepare a strong business plan and organize your financial records. Research state and federal loan opportunities and compare loan terms, interest rates, and fees. Apply for the loan that best suits your needs, and be sure to review the loan agreement carefully before you sign.
Can I get a startup business loan in Texas with no money?
It will likely be challenging to get a startup business loan in Texas with no money, but it is possible. You will likely need to present a very strong business plan, and you may need to back the loan with collateral or another personal guarantee.
How hard is it to get a small business loan in Texas?
The ease with which you’ll qualify for a small business loan in Texas will depend on a variety of factors, including your business plan, financial health, and credit score. Borrowers with a strong business plan and strong financial standing will have an easier time qualifying for a loan.
What is the easiest type of business loan to get approved for?
Microloans may be the easiest option for small businesses to get approval for, and typically offer loan amounts up to $50,000.
What credit score do I need for a small business loan?
Generally, the minimum credit score required for SBA and other term loans is 680. That said, it may be possible to find lenders who will work with you if you have a lower credit score.
What can I use a small business loan for?
Small business loans can be used for a variety of purposes including providing working capital, purchasing real estate or equipment, research and development, consolidating debt, and more.
Are there any small business grants available in Texas?
There are small business grants available in Texas, such as those available from the Texas Enterprise Fund and the Texas Workforce Commission.
SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
SOSMB-Q425-002
More Small Business Financing Resources
Business loans don’t have to be complicated. Get clear answers on applications, learn what providers really look for, and understand popular loan options.
Search for small business funding in minutes.
Your time matters. So we’re making business loans as easy as possible by helping you find small business funding fast.
(without impacting your credit score)†
Small Business Loans in Virginia
Learn All About Virginia Small Business Loans
Virginia regularly ranks as one of the top states for business in the U.S., thanks to strong workforce development programs, education, and infrastructure. Its corporate income tax is just 6%, compared to the national median of 6.5%, and there are more than 795,000 small businesses employing 1.6 million Virginians.
Looking for small business loans in Virginia to grow your own company? Here’s everything you need to know.
Key Points
- • Small business loans in Virginia include term loans, lines of credit, equipment financing, and SBA loans, catering to diverse financial needs.
- • Application process involves defining loan purpose, checking credit score, gathering documents, comparing lenders, and submitting application.
- • Essential documents for loan application: credit report, income statements, business budget, tax returns, business plan, and collateral details.
- • Enhance loan approval chances by improving credit scores, preparing a strategic business plan, showing steady cash flow, and applying with local institutions.
- • Virginia offers additional resources like VSBDC for tax-exempt bond financing, business training, and grant listings, plus VSBFA for direct and bank loan programs.
Popular Types of Small Business Loans in Virginia
Explore state-specific business loans in Virginia as well as options available nationwide.
Florida Small Business Loan Programs
The Virginia Small Business Financing Authority (VSBFA) is a state agency that helps businesses with development and financing.
There are four direct loan programs available:
• Economic Development Loan Fund
• Microloan Program
• Fee Based Microloan Program
• Child Care Financing Program
The agency also supports two bank loan programs:
• Cash Collateral Program
• Loan Guaranty Program
Term Loans
A term business loan in Virginia provides your company with a one-time infusion of cash, which can be used for things like working capital, debt consolidation, and more. The balance is repaid over time, usually with fixed payments that make it easy to budget.
Use a business loan calculator to explore how monthly payments are impacted by the loan amount and other financing terms. While you may need to be in business for a minimum amount of time in order to qualify for a larger loan, there are also options for startup business loans.
Business Lines of Credit
A business line of credit gives you access to ongoing financing up to a certain limit. You can draw on your credit line to cover operating expenses or unexpected emergencies. As you repay your balance (with interest), your available credit replenishes. Like a credit card, you’ll have a minimum payment required each month.
You may need to secure your credit line in order to get approved or qualify for better terms. Eligible collateral includes things like real estate, cash, and inventory.
Equipment Financing
Equipment financing helps you cover the cost of buying business-related equipment and machinery, plus other assets like vehicles, office furniture, and software. In many cases, the loan is secured by the asset you’re purchasing, which can help keep terms affordable.
You may be able to finance up to 100% of the cost of equipment so you don’t have to worry about a down payment. Once your business pays off the entire loan amount, you’ll own the equipment in full.
SBA Loans
Small Business Administration loans are provided by lenders, but are federally guaranteed, making them an accessible option as a Virginia business loan. Depending on the loan type and eligibility, you can borrow between $500 and $5.5 million.
7(a) loans are designed for working capital, real estate, debt refinancing, and more. 504 loans from the SBA can be used for major fixed assets that will help with business growth and job creation. Finally, microloans offer smaller loan amounts of up to $50,000 (though the average loan is $13,000).
How to Apply for a Small Business Loan in Virginia
Preparing to apply for a small business loan in advance can streamline the process.
Define Your Loan Purpose and Amount
Before you apply for a Virginia small business loan, have a clear understanding of how you plan to use the money and what amount you need. Overborrowing can cause you to spend on non-priorities while paying more than you need to in principal and interest.
Know Your Credit Score
Your credit score is an important part of the business loan application. Lenders will review your personal and business credit scores, so both should be in good standing to qualify for the best loan terms.
Personal credit scores range from 300 to 850 and many lenders use 680 as the minimum requirements. Business scores start at 1 and go up to 100, with 70 considered a good score. You can still apply even if your scores are lower. Some lenders specialize in bad credit loans, but will likely charge more in interest and limit your borrowing amount.
Gather Your Key Documents
You’ll need to submit supporting documentation in addition to your business loan application. Lenders may request the following information about your business and personal finances:
• Credit report
• Income and bank statements
• Business budget
• Personal and business income tax returns
• Collateral details (including valuation and supporting documents)
Recommended: Small Business Financing Guide
Compare Lenders and Loan Offers
Instead of applying with just one lender, consider getting business loan quotes from multiple lenders operating in Virginia. That way you can compare financing structures, interest rates, and payment terms to find the best option.
Don’t assume you’ll receive the same loan offer from every financial institution out there. Give yourself choices so you don’t pay more than necessary.
Submit Your Application and Await Approval
After you fill out paperwork and submit your financial documents (whether online or in person), it’s time to wait for a financing decision. The type of loan you apply for impacts the timeline.
SBA loans, for instance, can take between 30 and 90 days for approval. Banks can take several weeks, while online lenders may approve an application within days.
Tips for Improving Your Loan Approval Chances
The U.S. Chamber of Commerce recommends the following strategies to improve your chances of getting approved for a business loan.
• Work to improve your personal and business credit scores
• Make a strategic business plan
• Get your financial documents in order
• Show steady cash flow
• Ask for a lower funding amount
• Apply with local financial institutions
Other Funding Options for Virginia Small Business
Virginia’s Small Business Development Council offers several resources on other financing options to consider. Community Business Partnership (CBP) is active in some Virginia counties and offers SBA microloans and a CBP Enterprise Loan program for operating expenses.
The SBDC also rounds up several organizations that small business grant resources, including:
• Grants.gov
• SAM.gov
• OpenGrants
• GrantWatch
Additional Business Resources in Virginia
There are many resources available for businesses to grow and expand in Virginia.
Eligible manufacturing businesses and 501(c)(3) non-profits can apply for tax-exempt bond financing through the VSBDC as well as local economic development authorities.
In addition to financing programs, the Virginia SBDC offers business training programs in the following areas:
• Cybersecurity Awareness Program
• International Business Development Program
• Innovation Commercialization Assistance Program (ICAP)
• Craft Beverage Assistance Program (CBA)
• Veterans Assistance
The Takeaway
Ready to take your Virginia small business to the next level? Compare different lenders and loan types by submitting just one form at the SoFi marketplace.
Look for business loans in Virginia now.
If you’re seeking financing for your business, SoFi is here to support you. On SoFi’s marketplace, you can shop and compare financing options for your business in minutes.
(without impacting your credit score)†
FAQ
How do I get a small business loan in Virginia?
Preparation is key to getting a small business loan in Virginia. You’ll need a clear plan and budget for how to use the funds, plus a variety of financial documentation for both your business and personal situation.
Can I get a startup business loan in Virginia with no money?
It depends on the lender. Some lenders require a minimum time in business, while others specialize in startup loans.
How hard is it to get a small business loan in Virginia?
It depends on your business and personal finances. Lenders look at credit scores, revenue, and other factors that demonstrate how likely you’re able to repay the loan. Using collateral as security can help improve your odds of getting approved for a small business loan in Virginia.
What is the easiest type of business loan to get approved for?
Any type of financing secured by an asset is usually easier to get approved for compared to unsecured loans. Eligible assets often include things like inventory, invoices, cash, and equipment.
What credit score do I need for a small business loan?
Minimum credit score requirements for small business loans vary by lender. You may need a 680 or higher for your personal credit score and a 70 for your business credit score.
What can I use a small business loan for?
A small business loan can be used for many purposes, including working capital, expansions, real estate, inventory, and debt consolidation. But some loan types, like equipment financing, are designed for certain purchases with restrictions.
Are there any small business grants available in Virginia?
Yes, as stated above, the Virginia Small Business Development Council provides a number of resources where you can search for small business grants available in the state and nationwide.
SoFi's marketplace is owned and operated by SoFi Lending Corp.
Advertising Disclosures: The preliminary options presented on this site are from lenders and providers that pay SoFi compensation for marketing their products and services. This affects whether a product or service is presented on this site. SoFi does not include all products and services in the market. All rates, terms, and conditions vary by provider. See SoFi Lending Corp. licensing information below.
Financial Tips & Strategies: The tips provided on this website are of a general nature and do not take into account your specific objectives, financial situation, and needs. You should always consider their appropriateness given your own circumstances.
Third-Party Brand Mentions: No brands, products, or companies mentioned are affiliated with SoFi, nor do they endorse or sponsor this article. Third-party trademarks referenced herein are property of their respective owners.
External Websites: The information and analysis provided through hyperlinks to third-party websites, while believed to be accurate, cannot be guaranteed by SoFi. Links are provided for informational purposes and should not be viewed as an endorsement.
SOSMB-Q425-005
More Small Business Financing Resources
Business loans don’t have to be complicated. Get clear answers on applications, learn what providers really look for, and understand popular loan options.
Search for small business funding in minutes.
Your time matters. So we’re making business loans as easy as possible by helping you find small business funding fast.
(without impacting your credit score)†
Entry-Level Hiring Is Drying Up: How Grads Can Survive It
This article appeared in SoFi's On the Money newsletter. Not getting it? Sign up here.
The U.S. job market isn’t particularly inspiring right now, but it can feel especially discouraging for recent graduates.
Simply put, employers just aren’t looking for entry-level applicants like they used to be. Take your pick of evidence:
• The unemployment rate for college graduates ages 20 to 24 was 9.3% in August, the highest it’s been since 2021 (and excluding the pandemic period, the highest since 2014.)
• Entry-level job openings were down 35% between January 2023 and June of this year, according to labor research firm Revelio Labs.
• Only 30% of 2025 college graduates had secured full-time employment in their fields, down from 41% in 2024, according to a summer survey by Cengage, an online learning firm. Another 33% were unemployed and seeking work, up from 20% in 2024. And 26% were working in jobs unrelated to their degrees.
• Last year entry-level hiring in the technology sector fell to just 50% of pre-pandemic levels, according to venture capital firm SignalFire.
What is driving this squeeze, and how can graduates adapt?
It’s not just artificial intelligence, though that’s a biggie. Employers are increasingly likely to use AI rather than people. But also, when they look for people who can use AI in their work, it’s not necessarily in entry-level jobs. In fact, since 2023, the number of job openings in roles with high AI exposure (meaning a lot can be performed by AI) has fallen much more at the entry level than at higher levels, the Revelio study shows.
“For grads, the lesson is clear, learning to use AI tools isn’t optional,” Revelio Chief Economist Lisa Simon wrote when she released the research in August. “And for employers, the economics are compelling: overlooking AI at the entry level results in missed opportunities and underutilized talent.”
The job market is also tightening overall. The opaque economy has put a lid on hiring, and when budgets tighten and uncertainty is high, entry-level openings can be the first to go. And then there is a widening skills gap. Graduates often report they don’t have the job-specific skills they need for today’s workplace.
So what?
The runway for young people entering the workforce is changing quickly. If you’re a recent graduate or still in college, don’t count on a traditional path to your first job.
Some strategies to consider:
Learn AI. AI applications are everywhere. And AI isn’t going away. Even if having AI skills ends up becoming less relevant to your career choice, you’ll probably benefit from it in other areas of your life.
Pursue AI-resistant jobs. Roles that combine physical work, real-time problem solving, and situational specificity tend to be the least vulnerable to being replaced with AI.
• Resume Now, a resume building website, came up with this ranking of the 12 top AI-resistant entry-level jobs. (They also pay a median salary of at least $50,000 and are in fields expected to grow at least 5% faster than average through 2034.) Top on the list? Dental hygienist. Others include medical sonographer, electrician, and HVAC mechanic.
• The World Economic Forum predicts that over the next five years, the most growth will come from what it calls “frontline job roles” — gigs with hands-on or interpersonal requirements like farmworkers, delivery drivers, construction workers, and salespeople. Roles in teaching, nursing, and health care are also expected to grow significantly.
Consider a double major. Young people worried about finding a job are increasingly opting for two fields of study, which some research has linked to a lower likelihood of layoffs or pay cuts. In the 2023-2024 school year, 12% of graduates left school with more than one degree, compared to 6% ten years earlier, according to a Hechinger Report analysis of federal data.
Related Reading
Most Recent Graduates Can’t Find a Full-Time Job From Their Degree (Newsweek)
Young People Can’t Find Jobs. What Should They Do? (BBC)
AI and Your Job: Ranking the Careers Most and Least Impacted (SoFi)
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