Loans and Lines of Credit
Bank of Texas offers a comprehensive lending program tailored to fit the needs
of your business, allowing you better management and control of your cash flow
and growth. Secured and unsecured loans and lines of credit are available with
a broad range of interest rates and maturities. Some financing options available
for your business include:
Working Capital Loans
These revolving lines of credit can be made for seasonal or permanent purposes in order to help you:
Term Loans
Let Bank of Texas supply your business with:
- New and Used Equipment Financing
- Real Estate Financing
- New and Used Vehicle Financing
- Construction Financing
Equipment Leasing
Bank of Texas can structure leasing transactions to meet your preferred tax and accounting needs and provide flexible purchase and return options. Leasing allows you to:
- Obtain 100% financing
- Pay for equipment as you use it
- Improve management and accounting of equipment cost
- Conserve cash by paying with pre-tax dollars
- Secure fixed payments
- Protect against technological obsolescence
- Conserve your lines of credit
Small Business Administration (SBA) Loans
SBA Loans are made and administered by Bank of Texas and the SBA guarantees a portion of each loan.
Features of SBA Loans include:
- Eligibility - A wide array of owner operated and managed-for-profit businesses - from retail to wholesale, from manufacturing to service - are eligible for loans. Proprietorships, partnerships, and corporations are eligible.
- SBA Guarantee - The SBA guarantees up to 85 percent for loans less than $150,000
and up to 75 percent for loans over $150,000. Although there is no maximum loan amount,
the amount of the SBA's guarantee to Bank of Texas cannot, by law, exceed $1,500,000.
- Rates and Terms - Interest rates can be adjusted monthly, quarterly or semiannually, and a ceiling can be placed on the rates for the life of the loan. Fixed rates are available under certain circumstances. Terms for Bank of Texas SBA Loans depend on the use of the proceeds, with maximum terms ranging from 7 years for working capital, to 25 years for buildings and real estate.
For more information on Bank of Texas SBA loans contact: in the Dallas/Metroplex area, Wyatt Dickson at (972) 378-7301. In the Greater Houston area contact Frank Yonish at (713) 578-3556.
International Business
Bank of Texas is equipped to handle all of your exporting/importing needs including:
Useful links to related sites:
Small Business Association: www.sba.gov
The Export-Import Bank of the United States:www.exim.gov
Contact Us
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