Financing for "New" Businesses (< 2 years in operation)

Small businesses with less than two years in operation typically have a hard time getting approved for business loans. Reason being, most banks and other lenders do not have confidence that the "new" business will survive to satisfy their loan repayment schedules. These lenders also believe that most "new" businesses are severly under-capitalized and operate on "shoe string" budgets which makes it even riskier to lend them monies. In contrast, Texas Small Business Association™ believes that your "new" business can and will be successful, but simply require a little financial assistance. Therefore, Texas Small Business Association™ provides start-up or "new" businesses with a myriad of loan programs to help ensure your company's success.

Loan Programs Available for New Businesses

  • Equipment Leasing: Acquire all of your new business' furniture, fixtures, equipment, computer hardware and software, and other necessities that you deem important for your business venture.
  • Working Capital: Loans available based upon your (1) credit score, (2)collateral, (3) signature, or (4) certification by Texas SBA, Inc., as a woman, minority, and / or veteran owned business.
  • Inventory Loans: Acquire new inventory by using your current inventory as collateral.
  • Invoice Factoring: Receive short-term loans (ie. 30, 60, 90 days) based upon your current and future customer invoices.
  • Purchase Order Funding: Receive short-term loans for your current and future signed-contracts or purchase orders from customers.
  • Cash Advances: Lines of credit based upon your monthly credit card processing volume.
  • Loans for Women, Minorities, and Veterans: Texas Small Business Certification™ certification as a woman, minority, and / or veteran owned business may help your company "get approved" for a bank loan from your neighborhood bank, credit union, or you may become a recipient of a small business grant.

Texas Small Business Association™ satisfies all of your financing necessities using the lowest interest rates available, most flexible repayment terms, and minimal collateral requirements. Apply Now for your Small Business Loan.