Business Financing in Texas
Small business loans, SBA financing, equipment loans, lines of credit, and working capital for Texas businesses. We fund operators in Houston, Dallas, Austin, San Antonio, and every market in between — typically in 24–72 hours.
Small businesses
3,200,000+
Capital
Austin
Speed
As fast as 24h
Free, no-obligation
Get matched with a Texas lender
Free 60-second form. Soft pull only. A real Kingdom advisor responds within one business hour.
Top Texas industries we fund
The verticals driving Texas small business demand
Energy
Equipment financing, working capital, and lines of credit tailored to energy cash-flow cycles.
Construction
Equipment financing, working capital, and lines of credit tailored to construction cash-flow cycles.
Restaurants
Equipment financing, working capital, and lines of credit tailored to restaurants cash-flow cycles.
Trucking
Equipment financing, working capital, and lines of credit tailored to trucking cash-flow cycles.
Local context
Texas is the single largest state in our pipeline — energy services, contractors, and restaurants make up the bulk of monthly volume.
Texas financing programs
Every funding product available to Texas businesses
Business Line of Credit
Flexible revolving capital you draw on as you need it.
Learn moreSBA Loans
Government-backed financing with the longest terms and lowest rates.
Learn moreEquipment Financing
Finance the machinery, vehicles, and tools that power your business.
Learn moreWorking Capital Loans
Short-term funding to keep day-to-day operations running smoothly.
Learn moreMerchant Cash Advance
Get a lump sum today, repaid as a percentage of future sales.
Learn moreCommercial Real Estate Loans
Purchase, refinance, or improve commercial property.
Learn more0% Business Credit Cards
Stack premium business cards with 0% intro APR for working capital.
Learn moreInvoice Factoring
Turn unpaid invoices into same-week cash without adding debt.
Learn moreStartup & New Business Funding
Capital for businesses under two years old or rebuilding credit.
Learn moreCities we serve in Texas
Major Texas metros — and every market in between
Houston
Same-day approvals available for Houston businesses with 6+ months of revenue.
Dallas
Same-day approvals available for Dallas businesses with 6+ months of revenue.
Austin
Same-day approvals available for Austin businesses with 6+ months of revenue.
San Antonio
Same-day approvals available for San Antonio businesses with 6+ months of revenue.
FAQ
Texas business loans — common questions
What types of business loans are available in Texas?
Texas small businesses can access SBA 7(a) and 504 loans, business lines of credit, equipment financing, working capital loans, merchant cash advances, invoice factoring, and term loans through Kingdom Funding Group's lender network. Most programs fund nationwide and serve Houston, Dallas, Austin, San Antonio, plus rural Texas markets.
How fast can a Texas business get funded?
Working capital, lines of credit, and merchant cash advances typically fund in 24–72 hours for Texas applicants. SBA loans take 30–90 days. Equipment financing usually closes in 3–10 business days.
What credit score do I need for a Texas business loan?
Texas business loan programs run from 500+ FICO (revenue-based and MCA programs) up to 680+ FICO (SBA and prime bank loans). Time in business, monthly revenue, and bank-statement history matter as much as personal credit.
Do you fund energy businesses in Texas?
Yes — energy, construction, restaurants operators are among the most common Texas applicants we fund. Each industry routes to lenders that specialize in its cash-flow profile.
Are there Texas-specific disclosures or regulations?
Texas is the single largest state in our pipeline — energy services, contractors, and restaurants make up the bulk of monthly volume.
More South states
Business financing in nearby states
Resources for Texas owners
Industry guides for Texas businesses
Step-by-step financing playbooks for the verticals driving the most Texas demand — written by Kingdom advisors.