Small Business Loans & Funding in Texas
Whether you're launching a new venture in Austin or expanding your operations in Houston, having access to small business funding in Texas can greatly improve the outcomes of your endeavors. At Fora Financial, we understand the challenges that Texas businesses face, and we offer a simple and straightforward path to funding. With potential access to up to $1.5 million in working capital, over 55,000 business owners have trusted us to help keep their operations moving forward.
Get StartedSmall Business Loans
We know that running a business in Texas leaves little time for handling endless paperwork. That's why our streamlined process removes unnecessary documentation and long approval delays. With flexible funding options, you can use the capital for whatever your business demands—whether you're expanding a restaurant or staffing a major construction project.
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Prepayment discounts
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Terms up to 18 months
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Approvals in as little as 4 hours
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Funding up to $1.5 million
Requirements for Business Funding in Texas
While the protocols for obtaining small business funding in Texas can vary by industry, most providers consider the following common criteria when approving applications. Being prepared with this information can expedite the process and increase your chances of qualifying for the amount you need.
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Credit Score
Your credit history helps funders assess how you handle debt and manage responsibilities. While a score of 570 or above is typically preferred, some funding options are available even with lower credit scores.
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Business Plan
Having a clear business plan shows that you're serious about your goals. It also helps funders understand your revenue model, long-term vision, and how you plan to manage the capital you're requesting.
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Annual Revenue
Most funding programs require your business to show at least $240,000 in annual revenue. This gives funders confidence that your company can manage regular payments and maintain its financial health.
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Time in Business
Many funders prefer to work with businesses that have at least six months of operating history. The longer you've been in business, the more it could improve your chances of securing Texas business financing.
How To Get Small Business Funding in Texas
Securing funding doesn't have to be complicated. Here's how to get small business funding in Texas with Fora Financial in just a few simple steps.
1
Apply
Submit an online application and speak with one of our Capital Specialists about your business needs.
2
Get a decision
Get personalized business funding in Texas options in as little as four hours.
3
Receive your funds
Access a lump-sum payout within 24 hours and use the funds however your business needs.
Case Studies
Building Bigger
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Funding Amount: $150,000
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Industry: Construction
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Use of Funds: Equipment, Staffing, Expansion
Restoring Momentum
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Expansion at Scale
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Funding Amount: $1,000,000
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Industry: Construction
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Use of Funds: Expansion
Manufacturing Recovery
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Funding Amount: $750,000
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Industry: Manufacturing
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Use of Funds: Working Capital
Youth Soccer Program Expansion
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Funding Amount: $150,000
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Industry: Education & Youth
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Use of Funds: Facility Buildout
Strategic Growth
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Funding Amount: $150,000
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Industry: Wholesale Building Materials
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Use of Funds: Inventory, Expansion
Building for the Future
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Funding Amount: $500,000
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Industry: School / Daycare
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Use of Funds: Cashflow, Expansion
Powering Growth
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Funding Amount: $250,000
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Industry: Medical / IVF Center
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Use of Funds: Expansion, Cash Flow, Staffing, Equipment
What Sets Us Apart from the Rest
Frequently Asked Questions About Small Business Funding in Texas
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Most Texas business owners use funding for inventory, payroll, equipment, marketing, or rent. Fora Financial allows you to decide how to use the capital based on your needs.
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Yes. Seasonal businesses often benefit from loans because the funding can help during slower months when income is lower.
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Obtaining small business funding in Texas with Fora Financial involves a soft credit pull during the application process, which will not impact your score.
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Startups can apply, but you'll need to show some business history and revenue. A solid business plan and proof of early performance may help increase your chances.
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Not if you don't want to. The entire process can be completed online or over the phone. You'll be matched with a Capital Specialist who will guide you through each step remotely.
Get Financing Today
Get started with your application and join Fora Financial's family of forward-thinking businesses.