Our Mission

The mission of BCL of Texas is Building Strong Communities.

BCL of Texas supports communities of color to acquire wealth-building assets such as homeownership and entrepreneurship, with the financial tools and education necessary to optimize positive economic returns. We serve low and moderate income individuals, families, and small business owners, with an emphasis on diversity and underserved communities.

Our Credentials

We are a U.S. Treasury Certified Development Financial Institution (CDFI), a U.S. Small Business Administration Certified Development Corporation (CDC), and a HUD-certified housing counseling agency.

Our other credentials and certifications include:

• 501c3 nonprofit organization
• Community Development Entity (CDE)
• HUD Secondary Finance Lender
• Nationwide Multi-State Licensing System (NMLS) Regulated Lender
• Office of Consumer Credit Commissioner (OCCC) Regulated Lender
• USDA Intermediary lender
• USDA Micro Lender
• U.S. Small Business Administration Micro Lender
• U.S. Small Business Administration Community Advantage (7a) Lender

Guiding Principles

BCL of Texas aims to achieve sustainability for the organization through leadership, innovation, competitiveness, and adaptive efficiencies.

Value Statement

BCL of Texas has a team of honest professional leaders who are responsive, competitive, and efficient. We respect and advocate for our customers and commit to initiate new programs and services to achieve our public purpose.

Our History

BCL of Texas (formally CEN-TEX Certified Development Corporation) was formed in 1990 at the invitation of the SBA San Antonio District office to make commercial real estate loans for established central Texas businesses.

Our first loan was made to Juan Portillo, who purchased an office building for his business, Tramex Travel. Over 25 years later, Tramex Travel continues to grow, and so have we.

Since then we have grown to provide our services statewide. We have also incorporated asset-building and home buyer education. We have two locations open full-time to serve the needs of Texans, and we continue to develop new services and solutions for our customers.

BCL of Texas is committed to the triple bottom line, and our team has embraced innovation as a core corporate value. We have diversified our products and services to meet market demand. As we grow, we will stay true to our mission.