Business Loans

The Money You Need How and When You Need It

FirstCapital Bank of Texas knows reliable, convenient access to financing can make or break a business. That’s why we offer competitive-rate business loans you can count on. From funding small business startup costs and financing equipment to converting accounts receivables into cash and revolving lines that replenish as you pay, we’re here to finance your success.

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.

Get Started >

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.

Get Started >

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 your loan.

Get Started >

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.

Get Started >

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.

Get Started >