Rise Business Funding

Long-Term Business Loans in Texas

Texas has one of the most dynamic economies in the country, driven by energy, technology, agriculture, manufacturing, and a booming small business sector spanning Houston, Dallas, Austin, and San Antonio. Rise Business Funding connects Texas entrepreneurs with long-term financing designed to fuel real, lasting growth.

Funding in 30 to 90 Days

Typical funding time is 30 to 90 days, depending on the lender and your documents.

Funding $50K to $5M

Amounts range from $50K to $5M, based on your revenue and credit profile.

All 50 States

Rise Business Funding works with businesses across Texas and nationwide

About Long-Term Business Loans in Texas

Texas operates under a franchise tax structure rather than a corporate income tax, and that distinction matters when you're sizing a long-term loan. Under Texas Tax Code Chapter 171, the state calculates its margin tax on the lower of several revenue-based formulas, with a standard rate of 0.75 percent. For construction firms scaling up across the Austin-Round Rock corridor or the Dallas-Fort Worth Metroplex, that tax profile keeps more operating cash inside the business, but it does not eliminate the capital intensity of the work. Crews, equipment, bonding, and materials costs all arrive before draws come in. A multi-year term loan structured through Rise Business Funding gives your construction business a fixed repayment schedule that maps to project timelines rather than forcing you to refinance every twelve months. If you are comparing options, the construction business loans pillar page covers how lenders evaluate contractor cash flow specifically.

The Permian Basin and the Gulf Coast corridor from Houston through Beaumont to Port Arthur run on capital cycles tied to oil prices rather than the calendar. Texas holds roughly 30 percent of U.S. refinery capacity and produces 75 percent of U.S. petrochemical output, which means oilfield services companies and petrochemical suppliers in the Midland-Odessa area face equipment costs that demand financing terms longer than most short-cycle products allow. Long-term business loans give Permian Basin operators the runway to acquire drilling support equipment or expand pipeline infrastructure without liquidating working capital during a price dip. Operators who also need to bridge gaps between contract milestones may want to review invoice factoring as a complement to term debt.

Logistics businesses anchored at the Port of Houston, the DFW inland freight hub, or the Laredo border crossing face a different constraint: fleet and warehouse expansion decisions that need to be made before freight volume formally justifies the cost. Texas exported $410.2 billion in goods in 2023, and 92.3 percent of the exporting firms were small businesses. That volume creates real demand for 3PL capacity, cross-dock facilities, and refrigerated fleets. Rise Business Funding works with transportation companies pursuing multi-year growth plans, and the trucking business loans page outlines the collateral and revenue documentation that support approval. Owners weighing capital structure can also use the business funding calculator to model payment ranges before applying.

Requirements to Qualify

Personal FICO Score

650+

Long-term loans require stronger creditworthiness than short-term products. A score of 650 or above typically qualifies, with better scores unlocking lower rates and higher amounts.

Monthly Revenue

$15,000+

Lenders need confidence that your business can sustain monthly payments over multiple years. Strong, consistent revenue is the primary qualification factor for long-term financing.

Time in Business

2+ years

Demonstrates financial stability and an established operating track record. Long-term lenders require a longer history than short-term products to justify the extended commitment.

Bank Account

Business account required

Used to verify revenue patterns, cash flow consistency, and manage automated monthly repayments. Personal accounts are not accepted.

How Rise Works

1

Submit Your Application

Complete our secure online application in minutes and share your recent business bank statements. No hard credit pull is required to apply, and there are no upfront fees.

2

Get Matched and Get a Decision

Rise Business Funding reviews your application and matches you with lenders in our network suited to your business. The lender then underwrites your application in full.

3

Receive Your Funds

Once you accept an offer and finalize documents with the lender, funds go to your business bank account. Typical funding time is 30 to 90 days.

Why Business Owners Choose Rise Business Funding

  • Funding in 30 to 90 Days

    Typical funding time is 30 to 90 days, depending on the lender and your documents.

  • Free to Apply, No Obligation

    Applying costs nothing, and you're never obligated to accept an offer.

  • Compare Before You Commit

    See the options you qualify for side by side, then pick the one whose payments fit your cash flow.

Texas-Specific Resources

Texas businesses have access to a range of public and nonprofit financing resources that can work alongside private capital from Rise Business Funding. The Texas Small Business Credit Initiative deploys up to $472 million through a Capital Access Program and a Loan Guarantee Program, both targeting companies with fewer than 500 employees. LiftFund, founded in San Antonio in 1994, has deployed nearly $1 billion to more than 28,000 business owners across Texas and focuses on entrepreneurs who fall outside traditional bank qualification criteria. PeopleFund, an Austin-based CDFI, offers loans up to $350,000 for equipment, working capital, and real estate. The Texas SBDC Network operates more than 40 centers statewide and provides free loan packaging assistance across all 254 counties. These programs often have size limits, waitlists, or eligibility requirements that make them complementary to, rather than replacements for, the faster and larger financing that Rise Business Funding provides.

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 Texas

What are long-term business loans in Texas and how do they work?

Long-term business loans in Texas are financing products with repayment periods typically ranging from two to ten years or more. A lender provides a lump sum, which the business repays in regular monthly installments over the agreed term. These loans are commonly used for major capital investments such as real estate, equipment purchases, business acquisitions, or large-scale expansions. Rise Business Funding connects qualifying Texas businesses with lenders in our network that offer term structures suited to the size and nature of the investment being made.

What credit score do I need to qualify for a long-term business loan in Texas?

Most lenders in our network require a minimum personal FICO score of 650 to qualify for long-term business loans. Higher credit scores, particularly above 680 or 700, typically unlock better terms, larger amounts, and longer repayment periods. Texas business owners with lower scores may still find options through alternative products such as merchant cash advances or revenue-based financing. Checking your credit report before applying and resolving any errors can meaningfully improve your eligibility.

How fast can I get funded through Rise Business Funding in Texas?

After submitting your application, lenders in our network typically fund within 30 to 90 days. Once you accept an offer, funds are generally deposited into your business bank account in 30 to 90 days. Timelines can vary depending on the loan amount, product type, and completeness of the documentation you provide. Long-term SBA loans may take longer due to additional underwriting requirements, while alternative term loan products tend to move faster.

What documents are required to apply for a Texas small business loan?

Standard documentation for a Texas small business loan application typically includes three to six months of business bank statements, recent business and personal tax returns, a government-issued photo ID, and basic business formation documents such as your LLC operating agreement or articles of incorporation. Some lenders may also request a profit and loss statement or a brief business plan. Having these documents organized before you apply can significantly speed up the process.

Can a Texas LLC or sole proprietorship qualify for long-term financing?

Yes. Both LLCs and sole proprietorships operating in Texas can qualify for long-term business loans through Rise Business Funding's lender network, provided they meet the baseline requirements of a 650+ FICO score, at least $15,000 in average monthly revenue, and two or more years of operating history. The business structure itself does not disqualify you. Many Texas sole proprietors and single-member LLCs successfully access term financing for equipment, renovations, and growth capital.

Are there Texas-specific rules or restrictions on business lending?

Texas operates under state usury laws that govern maximum interest rates on commercial loans, but most standard small business loan products fall within permissible ranges. There are no state-specific licensing barriers that prevent Texas businesses from working with out-of-state lenders in Rise Business Funding's network. Texas businesses should ensure they maintain a valid state business registration and, if applicable, any industry-specific licenses required for their sector before applying for financing.

Can a startup in Texas qualify for long-term business loans?

Long-term loans require at least two years of operating history, which means very early-stage startups may not qualify. However, Texas startups that have been operating for at least two years and are generating consistent monthly revenue do qualify for products in our lender network. For businesses under two years old, alternative options such as equipment financing backed by the asset or lines of credit, which lenders offer from six months in business, may be worth exploring.

How much can a Texas business borrow through Rise Business Funding?

Texas businesses can access funding ranging from $50,000 to $5,000,000through Rise Business Funding's lender network. The actual amount you qualify for depends on your monthly revenue, credit profile, time in business, industry, and the specific lender's underwriting criteria. Larger loan amounts for long-term financing are typically reserved for established businesses with strong revenue history and creditworthiness. Use the Rise Business Funding business funding calculator to get a quick estimate of what your Texas business may be eligible for.

Long-Term Business Loans in Texas Cities

We serve businesses in Austin, Dallas, Houston, and more. Pick your city for local programs, qualification specifics, and city-tailored FAQs.

Get a Long-Term Business Loan Today

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