Easy Business Loans Texas

Accessible funding options are a must-have for every small business owner in Texas. Every business is unique and requires an accessible cash flow option to fit their exact needs. At AdvancePoint Capital, we know how difficult it can be to find the right fit for your business. That’s why we offer a wide variety of business loans and short-term cash flow solutions to help keep your operations in motion, help with potential renovations, and spark opportunities for growth.

Traditional financing from a bank can be a massive headache, especially if you have less than stellar credit. Mountains of paperwork and constant hassles can leave you spinning in circles. So, if you’re a business owner that doesn’t want to wait for approval or has gone through the process and failed — there are still options available. We offer alternative lending solutions for businesses that need it most. 

Business Term Loan

Texas business owners who want financing solutions that resemble traditional bank loans are perfect candidates for a business term loan. With a fixed amount of upfront capital, at a fixed cost, term, and payment as well — a business term loan is a popular option. 

  • • $10,000 to $1,000,000
  • • All credit types are considered
  • •  Fast processing time
  • •  1-5 year repayment plan

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Business Line of Credit

For a funding solution that resembles a similar structure as a credit card, a business line of credit is a great option. This financing option allows a business owner the ability to draw money from their credit line whenever they need it most. You can draw all the way up to the limit and pay interest on the outstanding balance. 

  • • $10,000 to $1,000,000
  • • Credit scores above 500
  • • Speedy processing time
  • • Revolving repayment

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Short Term Business Loan

Texas business owners with poor credit or a small amount of time in business can certainly find funding with a short term business loan. An ideal option for small business owners.

  • • $10,000 to $1,000,000
  • • Substandard, Mid-Prime, to Subprime credit scores, are considered
  • • Processing Time: as little as 1 day
  • • Length of time of Repayment: 6 to 18 months

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Do you have a business in Texas but can’t seem to find a funding option that works for your business? If traditional financing solutions aren’t working out, AdvancePoint Capital can provide you with alternative lending options today. Get your quote through our simple form.

Merchant Cash Advance

If your business gets a lot of its revenue from credit or debit card sales, a merchant cash advance can be a fantastic funding option. You can use your future sales to repay your advance by leveraging monthly cash flow from credit card and debit card sales. 

  • • $10,000 to $1,000,000
  • • Poor credit considered
  • • Processed in as little as 24 hours
  • • Flexible repayment options

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Equipment Financing

Everything is bigger in Texas, including the equipment and expensive machinery that keeps your business running. Equipment financing allows you the opportunity to use future purchases as collateral for cash flow you need now.

  • • $10,000 to $1,000,000
  • • All credit types considered
  • • Processed in as little as 2 days
  • • 1-5 year repayment

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SBA Loans

The SBA (Small Business Administration) offers guidelines, loan guarantees, and programs for businesses throughout the state of Texas. These loans help mitigate the risks associated with business lending by taking some of the weight off of their shoulders during the process.

  • • $10,000 to $1,000,000
  • • Strong personal credit considered
  • • Processed in as little as two days
  • • Revolving repayment

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Invoice Financing

If your business has an abundance of outstanding invoices, you can actually use these as leverage for advances you need right now. So, for businesses that need instant cash flow, invoice financing gives you the momentum you need to keep operations afloat or begin scaling. 

  • • $10,000 to $1,000,000
  • • All credit types considered
  • • Processed in as little as two days
  • • Revolving repayment

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Why Does Your Texas Business Need a Loan?

Every business needs funding for their own specific reasons. That being said, locating the right funding solution is a lot like finding the perfect piece of a puzzle. Before you dive into the first loan option that you see, it’s important to look at why you need cash flow, what you need it for, and whether or not you can pay it back. 

Working Capital A common reason for many business owners looking for a suitable funding option. Whether it be everyday operations or paying employees, additional capital is sometimes necessary.
Marketing A necessity for businesses in a saturated market like Texas. Promotion requires capital and sometimes funding help from alternative lenders like AdvancePoint Capital.
Equipment Leasing or loans are sometimes needed to keep up with new compliance standards or technologies. Equipment is expensive and typically requires financing.
Infrastructure Growth can mean many new and exciting things. Sometimes, new office space or new hires are needed for scaling up, but these cost money and funding options may be required

Once you have an understanding of why you need a business loan, it’s important to factor in a few other considerations.

  • • How much do you need?
  • • Understand your business cash flow
  • • What is your budget?

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How To Qualify For a Business Loan

Qualifying for a business loan can be tough, especially if you don’t know what you should be doing. There are typically three main ways to qualify. While these can be affected by factors such as the type of loan/advance you are getting — some of these may be affected by the loan type too.

  • • Credit score
  • • How you have been in business
  • • Financial statements such as business bank statements, profit and loss statements, or business and personal tax returns

Which Loan Is Right for Your Texas Business?

Fortunately, there are a lot of options when it comes down to which loan option is right for your business. Unfortunately, there’s not a one size fits all solution. Depending on your business, the value you’re looking to get, why you need the cash, and how well you’ll be able to pay it back — your choices vary. We work with countless businesses just like yours to determine which funding solution works best. 

While there are many considerations to make when it comes to your alternative lending solution, your ability to repay the loan is most important. Make sure to look very closely at repayment plans and costs that are associated with your financing solution so that it’s always working for you — and never against you. We have many business loan options available, so look through them and see which works best for your business. 

We provide a wide variety of funding solutions for businesses throughout the state of Texas. AdvancePoint Capital is a trusted source for alternative lending throughout the nation — empowering business owners everywhere with financing solutions that they need most. Flexible options, incredible diversity, and an impassioned staff that is here to help you throughout the funding process — we can help your business move forward and achieve your goals.

* All loans made by either WebBank, an FDIC-insured Utah industrial bank, or Bank of the Internet Federal Bank, an FDIC-insured federally chartered thrift located in California. In connection with the loans, the Banks' underwriting conditions and terms apply.