Business Loans

We’re the financing partner your business can count on.

A loan can be the lifeblood of your business: Getting the money you need—how and when you need it—can mean the difference between success and missed opportunity. Since 1998, FirstCapital Bank of Texas has been providing financing support to help businesses like yours succeed.

An independent community bank founded to meet the needs of businesses in West Texas, the Highland Lakes region and the Panhandle, at FCB you’ll find more than a business loan or line of credit at a competitive rate; you’ll find experienced professionals who put your success first and do all they can to help make it happen. No wonder our relationships with many business loan customers go back to our founding (and then some).

Find the business loan or line of credit that fits your needs.
Your FCB banker becomes your financial partner who’ll work with you to create a custom financing solution for your business, large or small.

tiny fcbt logo Revolving Line of Credit

Meet working capital or cash flow needs with a line of credit of $10,000 or more. Enjoy convenient funds access and easy automatic payment through your FCB Business Checking account, which features an interest-only payment option with 30-day annual cleanup.

tiny fcbt logo Small Business Administration (SBA) Loans

As a preferred SBA lender, we can help your small business get the funds for startup costs, equipment purchases, capital improvements or permanent working capital. SBA loans offer longer terms and lower down payments than conventional term loans, making them an affordable solution.

tiny fcbt logo Business Term Loans

Finance up to 90% of an equipment purchase, capital improvement or expansion at a competitive rate that’s fixed for three years for easier budgeting and added peace of mind. Looking for a longer term? Simply renew it at the end of the term.

tiny fcbt logo Letters of Credit

Help get that deal done with a standby letter of credit from FCB that offers a payment guarantee to the person with whom you’re doing business. This feature is especially valuable to oil and gas producers and real estate developers.

tiny fcbt logo Accounts Receivable Financing

Turn your accounts receivable into immediate working capital for your business. Accounts Receivable Financing can enable you to quickly borrow against or sell your receivables for cash.


Don’t just get a business loan; start a relationship.

Put our customer-focused approach to work for your business. To discuss your business financing needs, contact us. Prefer to speak to a person? Call your FirstCapital banker today at 844.322.8392 or visit your local branch. Ready to apply? Complete a business loan application now.

Limits and Fees Schedule


Click here to review the FAQ’s about the Beneficial Ownership requirements that apply to business accounts.