Rise Business Funding

Long-Term Business Loans in Dallas, Texas

Dallas powers one of the most dynamic economies in the South, fueled by finance, technology, logistics, healthcare, and a thriving hospitality sector. Whether you are expanding operations in Uptown, opening a second location in Oak Cliff, or investing in equipment across the DFW metro, long-term business loans provide the capital to grow with confidence.

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$5K to $5M

Funding range available to qualifying Dallas businesses through lenders in our network

Decisions in 24 Hours

Submit your application and receive a funding decision within one business day

Dallas, Texas

Serving small businesses across Dallas, Fort Worth, Plano, Irving, and the broader DFW metroplex

About Long-Term Business Loans in Dallas

Dallas has ranked first among all U.S. metros for corporate relocations, pulling in 100 headquarters moves between 2018 and 2024, according to CBRE research. That volume of inbound capital and talent puts enormous pressure on existing businesses to scale fast or risk losing ground to well-funded newcomers. Long-term business loans give Dallas operators the runway to match that pace, funding multi-year investments without the cash-flow disruption that short-term business loans can create when payments compress into tight windows.

The demand spans a wide range of sectors across the Metroplex. Finance and insurance firms clustered in Uptown and the Downtown CBD are building out compliance infrastructure and talent pipelines to compete with the Goldman Sachs campus underway nearby, a $709 million facility projected to house 5,000 employees by 2028. Logistics operators anchored at the International Inland Port of Dallas are investing in fleet expansion and warehouse technology to keep pace with Texas's position as the top U.S. exporting state, moving $410.2 billion in goods in 2023 alone. Healthcare providers serving the Southwestern Medical District and the life-sciences tenants at Pegasus Park need healthcare business loans structured over five to ten years to finance equipment, facility upgrades, and staffing that a single-year product simply cannot support. For companies moving freight through the DFW inland freight hub, trucking business loans with longer amortization schedules mean fleet additions don't cannibalize operating cash. Separately, the Dallas-Fort Worth Metroplex Financial and Corporate Core continues to attract oil, gas, and petrochemical services firms that coordinate upstream operations in the Permian Basin from regional offices here, and those businesses carry capital requirements that demand patient, structured financing.

Rise Business Funding works with Dallas businesses across all of these verticals, matching your revenue profile and growth timeline to loan structures that make sense. Use our business funding calculator to model repayment scenarios before you apply, or explore how equipment financing can complement a long-term loan when a major asset purchase is part of your plan.

Financing Options in Dallas

Every product Rise Business Funding offers is available to Dallas businesses. Choose the structure that fits how you want to access and repay capital.

Long-Term Business Loans

Structured loans with multi-year repayment terms give Dallas businesses the runway to invest in growth without straining monthly cash flow. Ideal for expansion, acquisition, or large capital expenditures. Lenders in our network offer competitive fixed or variable rate structures tailored to your revenue profile.

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SBA Loans

SBA-backed loans offer some of the most favorable terms available to Dallas small businesses, including lower down payments and longer repayment windows. Lenders in our network include SBA-preferred partners familiar with Texas borrowers. These loans are particularly popular among retail, healthcare, and professional service businesses in the DFW area.

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Equipment Financing

Dallas manufacturers, contractors, and logistics operators regularly use equipment financing to acquire machinery, vehicles, and technology without depleting working capital. The financed asset often serves as collateral, making approval more accessible for qualifying businesses. Terms align with the useful life of the equipment.

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Business Line of Credit

A revolving line of credit gives Dallas businesses on-demand access to funds for inventory restocking, payroll gaps, or seasonal fluctuations. Draw only what you need and repay on a flexible schedule. This product complements long-term loans when short-term liquidity is also a concern.

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Merchant Cash Advance

Dallas restaurants, retailers, and service businesses with strong card sales can access upfront capital through a merchant cash advance, repaid as a percentage of daily revenue. Approvals are fast and credit requirements are flexible, making this a useful bridge product for businesses building toward longer-term financing.

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Revenue-Based Financing

Revenue-based financing ties repayments to a percentage of monthly sales, giving Dallas businesses more flexibility during slower periods. This product works well for growing companies with strong top-line revenue but limited collateral or credit history. Lenders in our network evaluate recent bank statements and revenue trends rather than credit score alone.

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Requirements to Qualify

Dallas businesses typically meet the following thresholds. Even if you fall short on one factor, Rise Business Funding evaluates your full financial picture.

Minimum Credit Score

FICO 600+

Most lenders in our network require a personal FICO score of at least 600. Dallas business owners with higher scores typically qualify for longer terms and more competitive rates. If your score is lower, some revenue-based or short-term products may still be accessible.

Monthly Revenue

$25,000+

Lenders generally look for at least $25,000 in average monthly revenue. Dallas businesses in high-volume sectors like food service, healthcare, and logistics often meet this threshold comfortably. Consistent revenue history strengthens your application regardless of industry.

Time in Business

6+ Months

A minimum of six months of active operation is typically required. Established Dallas businesses with two or more years of history have access to the broadest range of long-term loan products and the most competitive structures available through lenders in our network.

Business Bank Account

Required

An active business checking account is required for all applications. Lenders use bank statements to verify revenue patterns and evaluate repayment capacity. Keeping business and personal finances separate also strengthens your overall application profile.

How It Works in Dallas

1

Apply in Minutes

Complete our short online application with basic information about your Dallas business, including monthly revenue, time in operation, and funding needs. No lengthy paperwork upfront and no impact on your credit score to get started.

2

Receive a Decision

Rise Business Funding matches your application with lenders in our network best suited to your industry and funding profile. Most Dallas applicants receive a decision within 24 hours, often with multiple offer options to compare.

3

Access Your Funds

Once you accept an offer and complete any final documentation, funds are deposited directly into your business bank account. Many Dallas businesses receive funding within a few business days of approval, ready to put capital to work immediately.

Why Dallas Business Owners Choose Rise Business Funding

  • Deep Lender Network

    Rise Business Funding connects Dallas businesses with a broad network of vetted lenders offering long-term loan products across industries, credit profiles, and revenue levels. One application reaches multiple lenders simultaneously.

  • Dallas Market Knowledge

    From the Dallas Arts District to the medical corridor near Parkland, we understand the sectors driving Dallas growth and work with lenders who fund them regularly.

  • Fast, Transparent Process

    No hidden fees, no surprises, and no obligation to accept any offer. Most applicants receive decisions within one business day and can compare terms before committing.

  • Products for Every Stage

    Whether you need a multi-year term loan for a major expansion or a flexible credit line for working capital, Rise Business Funding has financing options available through our network to match your current business stage.

Industries We Serve in Dallas

From the dominant sectors of the Dallas economy to the small operators that keep neighborhoods running, Rise Business Funding works across every legitimate industry.

Texas-Specific Resources

Dallas-area business owners have access to several public and nonprofit financing resources worth knowing before you finalize your funding strategy. The Texas Small Business Credit Initiative deploys up to $472 million through capital access and loan guarantee programs for businesses with fewer than 500 employees, including a focus on underserved founders. LiftFund operates across Texas with SBA microloans and Community Advantage loans targeted at women, minority, and veteran entrepreneurs. PeopleFund, a Treasury-certified CDFI, offers loans up to $350,000 for equipment and working capital to businesses that fall outside traditional bank criteria. The Texas SBDC Network provides free consulting and loan packaging support at centers throughout the state. These programs complement, rather than replace, private financing from Rise Business Funding, and combining them strategically can reduce your total cost of capital while preserving flexibility for growth.

Texas Small Business Credit Initiative

Administered by the Texas Economic Development and Tourism Office on behalf of the U.S. Treasury, TSBCI deploys up to $472 million through two programs: a Capital Access Program (CAP) for loans of $5,000 to $5 million and a Loan Guarantee Program (LGP) for loans of $5,000 to $20 million, both targeting small businesses with fewer than 500 employees, with a focus on traditionally marginalized and SEDI-owned businesses.

gov.texas.gov

LiftFund

Founded in San Antonio in 1994, LiftFund is a Treasury-certified nonprofit CDFI that provides SBA microloans, SBA Community Advantage loans, and SBA 504 loans across Texas and 14 other states, with a focus on women, minority, veteran, and low-to-moderate income entrepreneurs who cannot access traditional bank financing. The organization has deployed nearly $1 billion to more than 28,000 business owners over 30 years.

liftfund.com

PeopleFund

An Austin-based Treasury-certified CDFI and SBA-certified lender serving all of Texas, PeopleFund provides business loans up to $350,000 for equipment, working capital, real estate, and revolving lines of credit to businesses that do not qualify for bank loans, with over 40 percent of loans going to startups and nonprofits, and the majority serving minority, women, and veteran business owners.

peoplefund.org

SBA Houston District Office

The SBA Houston District Office serves 32 counties in southeastern Texas, including Harris County (the state's most populous county), delivering SBA 7(a) and 504 loan programs, SBA microloans, government contracting assistance, and referrals to local resource partners such as SBDCs and SCORE chapters.

sba.gov

USDA Rural Development Texas State Office

USDA Rural Development Texas administers the Business and Industry (B and I) Loan Guarantee Program for rural businesses, the Rural Microentrepreneur Assistance Program (microloans up to $50,000 for businesses with 10 or fewer employees), and the Rural Economic Development Loan and Grant Program, all focused on job creation and economic growth in rural Texas communities.

rd.usda.gov

Texas SBDC Network

The Texas Small Business Development Center Network operates over 40 centers statewide and is funded in part by the State of Texas and the SBA, hosted by The University of Texas at San Antonio. SBDC advisors provide free one-on-one consulting, loan packaging assistance, financial analysis, and market research to entrepreneurs and existing business owners across all 254 Texas counties.

sbdctexas.org

Frequently Asked Questions

About Funding in Dallas

Most lenders in our network require a minimum FICO score of 600, at least six months in business, and monthly revenue of $25,000 or more. Dallas businesses with two or more years of operating history and consistent bank deposits typically qualify for the most favorable terms. An active business checking account is also required. Rise Business Funding matches your profile against multiple lenders simultaneously, so even if one lender's requirements are out of reach, another may still be a fit.

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Apply in under 5 minutes. No credit impact. Funding decisions in 24 hours.

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