Texas Business Loans
Texas Business Loans, $10K to $100M
You found the deal. Now you need the money… fast. I am Kevin Kermeen, and I arrange Texas business loans for owners across the state, from fast Texas small business loans to multi-million dollar commercial deals… a service truck headed to the Permian Basin or a production line outside Austin. I am a real business owner, not an ex-banker reading a script, and I move at the speed your deal actually needs.
Banks hand out umbrellas when the sun is shining, not when you are weathering the storm.
That is not a clever line, it is how banks actually behave. Texas runs the eighth largest economy in the world, with a state GDP near $2.9 trillion in 2025, yet thousands of profitable Texas companies still get told to wait 60 to 90 days for a maybe. By then the rig is leased to someone else, the building is gone, or the contract has moved to a competitor who moved faster.
That is why I exist. I arrange Texas business loans funded with other people’s money, so your own capital stays free to grow. Whatever you are doing in this state… buying a facility in Houston, financing a fleet running to the Permian Basin, adding a line at a fab supplier near Austin, or covering payroll while you wait on an oilfield invoice… there is a program built for it, and I move at the speed your deal needs.
Texas is home to roughly 3.5 million small businesses, about 99.8 percent of every business in the state, and it has led the nation as the top U.S. exporter for more than two decades. That is a lot of owners competing for the same contracts, the same buildings and the same skilled crews. Most of what I write here is Texas small business loans for those owners, scaling up to Texas SBA loans when the move is bigger, like buying a building or an existing company. The ones who win are usually the ones who can move on capital first. Texas business loans through me exist to make sure that owner is you, not the competitor down the road who happened to have cash on hand.
Texas Business Loans for the Industries That Run This State
Texas is the largest energy producing state in the nation and a rising semiconductor powerhouse, and all of it runs on capital. Here are the industries I write the most Texas business loans for, with financing matched to how each one actually makes money.
Texas is the number one oil and gas producer in the country, and the Permian Basin in West Texas drives close to half of all U.S. crude output. Service companies, drillers and midstream operators carry heavy equipment costs long before revenue lands. I finance the rigs, service trucks, compressors and field equipment that keep Texas oil loans working, plus the working capital that bridges slow oilfield invoices. Texas business loans keep the rigs and crews working.
Equipment financing →Samsung is building a leading edge chip fab in Taylor, the largest foreign investment in Texas history, and Texas Instruments is investing up to $30 billion in new fabs in Sherman. That build-out feeds a deep supplier network around Austin and Dallas. My Texas tech loans finance the equipment, tooling and facilities the contractors and suppliers riding this wave actually need, and my Texas business loans fund it fast.
Manufacturing financing →From the Texas Medical Center in Houston, the largest medical complex in the world, to growing practices in San Antonio and Dallas, healthcare is one of the state’s biggest employers. I finance medical and dental practices, urgent care, imaging equipment and clinic real estate, so my Texas business loans help providers expand without draining cash reserves.
Healthcare financing →Texas leads the nation in cattle, and cattle is the state’s top agricultural commodity. Ranchers, feedlots, grain handlers and food producers all carry expenses long before the market pays. I fund trucks, handling equipment, storage and the working capital that bridges seasonal cash flow, so Texas business loans match the timing of how ag money actually moves.
Working capital →Texas leads the country in population growth and corporate relocation, and that demand drives nonstop construction across Houston, Dallas, Austin and Fort Worth. I arrange Texas business loans for contractors and developers: equipment, ground-up construction, commercial real estate and the invoice factoring that turns slow draws and progress billings into same-week cash.
Construction financing →Texas anchors the nation’s aerospace and defense base, from Fort Worth’s aircraft plants to Houston’s space sector and the suppliers feeding them statewide. I finance the precision equipment, tooling, facilities and working capital these manufacturers and contractors need to win and deliver on long-cycle contracts. Texas business loans move at contract speed.
Manufacturing financing →Tell me what you are trying to do in Texas.
One conversation and I will tell you the fastest path to funding, straight. Texas business loans with no upfront fees.*
Every Program Behind My Texas Business Loans
My Texas business loans run on eight core programs, one direct line to me. From fast Texas small business loans like equipment and working capital, to Texas commercial loans for property, to Texas SBA loans for acquisitions, tap any program for full details, ranges and timelines.
Regulatory and Industry Framework
Good decisions start with real sources. Before you sign anything, these are the authorities worth reading on Texas business loans, SBA programs and the state economy behind them.
Federal Loan Programs
The U.S. Small Business Administration sets the rules, rates and guarantees behind SBA financing. Many Texas business loans I arrange use SBA 7(a) or 504 structures.
State Economic Development
The Office of the Texas Governor’s Economic Development team tracks the incentives, expansions and target sectors driving the state. It is the clearest picture of where Texas business loans are funding real growth.
Energy and Oilfield Regulation
The Railroad Commission of Texas regulates the oil and gas industry that anchors the state economy and the equipment financing behind it. It is the authority on the sector driving Texas oil loans.
Texas Business Loans, Statewide
I arrange Texas business loans in every corner of the state, not just the big metros. Houston business loans make up my heaviest volume, but distance is never the problem, because every file runs through me by phone.
Most of my Texas business loans volume runs through Houston, the energy, healthcare and port capital of the state, so Houston business loans are my single biggest metro lane. Dallas and Fort Worth anchor finance, aerospace and logistics across the Metroplex, and Dallas business loans run a close second in my book. Austin drives the tech and semiconductor boom around the Samsung and supplier build-out, while San Antonio powers healthcare, military and manufacturing. I also actively fund owners in El Paso, Arlington, Corpus Christi, Plano, Lubbock and the Permian Basin cities of Midland and Odessa. Wherever you are in Texas, the program and the speed are the same.
How Texas Owners Put Their Business Loans to Work
Texas business loans are not one product, they are a toolbox. The right tool depends on what you are trying to do this quarter.
Texas Small Business Loans for Everyday Growth
The most common reason owners call me is speed on equipment. A fab supplier near Austin landing a new contract cannot wait three months for a bank to bless a CNC line, so I arrange equipment financing that funds in 24 to 72 hours and lets the machine start paying for itself immediately. Energy, agriculture and construction owners use the same path for service trucks, loaders, handling equipment and processing gear, often pairing it with a working capital line to cover crews and inputs before the invoice clears. These everyday Texas small business loans are about momentum, keeping a profitable company moving while the opportunity is still on the table. Most Texas small business loans I write run from $10,000 to $500,000 and close in days, not months.
Texas SBA Loans for Property and Acquisitions
When the goal is bigger and longer term, Texas SBA loans usually fit best. SBA 7(a) and 504 structures carry long terms and competitive rates, which makes them the smartest path for buying a building, acquiring an existing Texas business, or refinancing expensive short-term debt into something stable. A Houston medical practice that wants to own its office instead of renting, or a food producer in San Antonio buying its plant, is exactly the kind of deal I take through the SBA silo. Texas SBA loans reach up to $5.5 million, and I run the full SBA program lineup, so the structure matches the deal instead of forcing the deal into one box.
Texas Commercial Loans and Houston Business Loans
Real estate is the other half of my Texas business loans volume. Texas commercial loans cover office, retail, warehouse, industrial, multi-family and ground-up construction from $150K to $100M, with a term sheet usually in 3 to 5 days. Texas is one of the strongest commercial real estate markets in the country, and Houston business loans run heavy here since the metro carries energy, healthcare and port growth, but I write the same Texas commercial loans in Dallas, Austin, San Antonio and statewide. Owners who need to move before permanent financing is ready use a bridge loan to lock the property, then refinance once the deal is stabilized. And when cash is simply tied up in slow-paying receivables, which is common for the oilfield service and trucking firms feeding the Texas economy, invoice factoring turns those unpaid invoices into same-week cash.
The mistake I see most often is owners assuming a bank turndown means the deal is dead. It rarely does. A bank says no because the deal does not fit its one box, not because the business is bad. My job is to match that same deal to the one lender, out of more than 75, whose box it does fit. That is the entire difference between bank financing and Texas business loans arranged through an independent advisor, and it is usually the difference between closing and watching the opportunity walk. Don’t Beg the Bank!
Why Borrow Through Me Instead of a Texas Bank
Texas business loans from a real owner, not a call center.
I am not an ex-banker. I have owned the businesses and the real estate brokerages, so I read your deal from your side of the table. When you call about Texas business loans, you get me… one person who answers the phone, knows your file, and has a lender network deep enough to fund $10K to $100M across all 50 states.
Banks make you fit their box. I find the program and the lender that fit you. I just signed a capital partner that takes my ceiling to $100M, so the size of the deal is rarely the problem. The speed is the difference, and it is why the right Texas business loans close in days with me instead of months. And I never text you, I call you, 7 days a week on Arizona Time.
If a bank has you waiting, stop waiting. Don’t Beg the Bank! Call me and I will tell you straight whether I can fund your deal and how fast.
When the Bank Walked, I Closed
One of these closed right here in Texas. Multi-family commercial real estate funds the same in Houston as it does in Dallas, and so do my Texas business loans. This is how I work when the clock is running, and it is exactly how I approach Texas business loans of every size.
$43M Dallas apartment complex, closed in 19 days
A $43 million multi-family acquisition in Dallas had a bank that walked two weeks before closing. I brought in an institutional capital partner, restructured the deal and closed it in 19 days. The kind of speed most owners are told is impossible.
$4.2M apartment deal, bank quit 10 days out
A $4.2 million multi-family purchase was 10 days from closing when the borrower’s bank pulled the umbrella. He called me. I funded it in 24 days into a 20-year fixed, and it is now a performing asset in his portfolio.
How Fast Each Texas Program Funds
Speed is the whole point of using me instead of a bank. Texas small business loans can fund in 24 to 72 hours, while Texas commercial loans get a term sheet in 3 to 5 days. Here is what fast Texas business loans actually look like by program.
| Program | Loan Range | Speed to Funding |
|---|---|---|
| Working Capital and Line of Credit | From $10K | 24 to 72 hours |
| Equipment Financing | From $10K | 24 to 72 hours |
| Invoice Factoring | Receivables-based | Same week |
| Commercial Real Estate | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| Investment Property | $150K to $100M | Term sheet 3 to 5 days, fund 21 to 30 |
| SBA Loans | Up to $5.5M | 45 to 60 days |
Same-day approvals are common when the application reaches me before 9am Arizona Time.
Tell Me About Your Texas Deal
I personally review every application for Texas business loans and call you back… never a text, never a call center.
… or …
Apply OnlineI never sell your information. There are no application fees and no broker fees out of pocket.* My Texas business loans carry no upfront cost to you. Same-day approvals are common when the application reaches me before 9am Arizona Time.
Texas Business Loans, Common Questions
How much can I borrow with Texas business loans?
From $10,000 for working capital, equipment and lines of credit, up to $100 million for commercial real estate and investment property. Typical small business financing runs $10K to $5M, while SBA programs reach $5.5 million and large commercial real estate or development deals go higher. All 50 states.
How fast can I get funded in Texas?
As fast as 24 to 72 hours for working capital, equipment and lines of credit. Commercial real estate gets a term sheet in 3 to 5 days and funds in 21 to 30. SBA loans fund in 45 to 60 days. Same-day approvals are common when the application reaches me before 9am Arizona Time.
What does it cost to work with you?
I charge you no fees. I am paid by the lender at closing, so my interest is in getting you funded, not in collecting from you. Some partner lenders may require a commitment fee or deposit when you accept a term sheet. That is the lender’s charge, not mine, and it is always disclosed before you commit.
What industries in Texas do you fund?
Oil, gas and energy services, technology and semiconductors, healthcare and medical, cattle, agriculture and food production, construction and infrastructure, aerospace and defense, transportation and logistics, and professional services. If your Texas business generates revenue, there is likely a program for it.
Do you offer Texas SBA loans?
Yes. Texas SBA loans are a core part of what I arrange, including the full silo: 7(a), 504, Express, Startup, Microloans, CAPLines, Made in America and Export. SBA financing offers long terms and competitive rates, and it is often the smartest structure for buying property or an existing Texas business. Texas SBA loans reach up to $5.5 million.
Can I qualify with less-than-perfect credit?
Often, yes. I structure deals around the real business, its revenue and its collateral, not just a credit score. Many of my Texas business loans go to owners a bank turned down. The way to know is one quick conversation.
Which Texas cities do you serve?
All of them. Houston business loans and Dallas business loans make up my heaviest volume, alongside Austin, San Antonio and Fort Worth, but I actively fund owners in El Paso, Arlington, Corpus Christi, Plano, Lubbock and the Permian Basin. Every file runs through me directly, so location is never an obstacle.
Do you fund commercial real estate in Texas?
Yes. I finance commercial real estate from $150,000 to $100 million across Texas, including office, retail, warehouse, industrial, multi-family and ground-up construction. Texas commercial loans typically get a term sheet in 3 to 5 days.
What documents do I need to apply?
To start, very little: your name, your phone number, how much you need and what it is for. For most programs I will then ask for a few months of business bank statements and basic business information. I keep the paperwork as light as the deal allows.
Are you a bank?
No. I am an independent nationwide commercial loan advisor with a network of more than 75 lenders. That is the advantage. A bank can only offer you its own product, while I shop your Texas business loans across many lenders to find the one that actually fits.
What are the most common Texas small business loans?
The Texas small business loans owners ask for most are equipment financing, working capital and business lines of credit, usually from $10,000 to $500,000, funded in 24 to 72 hours. They cover machinery, service trucks, inventory, payroll and cash flow gaps without draining reserves. For bigger moves, owners step up to SBA or commercial real estate financing.
What are Texas commercial loans used for?
Texas commercial loans fund property and larger capital needs: buying or refinancing office, retail, warehouse, industrial and multi-family buildings, ground-up construction, and acquisitions, from $150,000 to $100 million. They are the heavier end of my Texas business loans, with a term sheet usually in 3 to 5 days.
Find your program. Don’t Beg the Bank!
I arrange Texas business loans from $10K to $100M, from Houston business loans to deals in the smallest Permian counties, with a same-day callback from someone who has owned the businesses himself. Tell me what you are trying to do and I will tell you the fastest way to fund it. Don’t beg a bank that will keep you waiting… call me.
Business Loans by State
As each state page goes live it becomes a link. States shown as plain text are in the build queue.
*I charge no fees to the borrower. I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit when you accept a term sheet; that charge belongs to the lender, not to me, and is disclosed before you commit. Loan amounts, terms, rates and timelines vary by program, lender, creditworthiness and the property or collateral involved. Large-deal and $100M figures reflect maximum program capacity on qualified transactions and are not guarantees of approval. Funding timelines are typical estimates, not promises. All financing is subject to lender approval and underwriting. 75BizLoans.com arranges commercial financing and does not offer Fannie Mae, Freddie Mac, HUD or FHA products.