Bank of Texas offers a comprehensive lending program tailored to fit the needs of your business, allowing you better management and control of your cash flow and growth. Secured and unsecured loans and lines of credit are available with a broad range of interest rates and maturities.

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Working Capital Loans
These revolving lines of credit can be made for seasonal or permanent purposes in order to help you:

• Fund temporary increases in inventory due to normal fluctuations in the operating cycle
• Purchase current assets or pay current liabilities as a substitute for owner's equity
• Address borrowing needs arising from:

  - Slower turning accounts receivables and inventories
  - Faster turning payables and accruals
  - Sales that outpace equity growth
  - Depleted working capital from fixed asset or other long term purchases
  

• New and Used Equipment Financing
• Real Estate Financing
• New and Used Vehicle Financing
• Construction Financing

• Obtain 100% financing
• Pay for equipment as you use it
• Improve management and accounting of equipment cost
• Conserve cash by paying with pre-tax dollars
• Secure fixed payments
• Protect against technological obsolescence
• Conserve your lines of credit

• Eligibility - A wide array of managed-for-profit businesses, including owner operated businesses, that operate and have a place of business in the United States - from retail to wholesale, from manufacturing to service - are eligible for loans. Sole proprietorships, partnerships, corporations, limited liability companies, and other legal forms of entities are eligible.
• SBA Guarantee - Generally, the SBA guarantees up to 85 percent for loans in the principal amount of $150,000 and less and up to 75 percent for loans exceeding $150,000. In a temporary measure, the SBA has increased its guarantee to as much as 90 percent on certain eligible SBA 7(a) Loans. The maximum SBA 7(a) Loan amount is $2,000,000, and the amount of the SBA's guarantee to Bank of Texas cannot, by law, exceed $1,500,000.
• Rates and Terms - Interest rates can be adjusted monthly, quarterly or semiannually, and a ceiling can be placed on the rates for the life of the loan. Fixed rates are available under certain circumstances. Terms for Bank of Texas SBA 7(a) Loans depend on the use of the proceeds, with maximum terms ranging from 7 years for working capital loans, to 25 years for buildings and real estate loans, subject to Bank of Texas approval.

Bank of Texas also administers SBA 504 Loans for real estate and long-term equipment financing which allow for as little as a 10 percent cash equity contribution by eligible businesses.

For more information on Bank of Texas SBA Loans including terms, conditions, and restrictions, please contact: in the Dallas/Metroplex area, Wyatt Dickson at (972) 378-7301, Doug Cassidy for Ft. Worth at (817) 348-5715, and in the Greater Houston area, call Frank Yonish at (713) 578-3556.

International Business
Bank of Texas is equipped to handle all of your exporting/importing needs including:

• Letters of Credit
• Documentary Collections
• Wire Transfers
• Loan, guarantee, and insurance programs in coordination with
  The Export-Import Bank of the United States

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