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Our work with you on a loan application is not a commitment to lend or extend credit.

Ready to take the next step? Whether it’s time to buy new equipment, scale up your operations, or expand to an additional location, BCL of Texas has lending solutions tailored to your needs.

Business Growth Fund

When you’re ready to take your business to the next level, BCL of Texas is here to help. We know that you might need some extra funds for that second location, new equipment, or marketing a new product.

With our Business Growth Fund, you can keep your cash reserves on hand for working capital and borrow funds to finance your next step. And we’ll coach you every step of the way with no-cost business consultations for the life of the loan.

Loans range from $50,000-$300,000 and can be used for most business purposes, including:

  • Real estate
  • Machinery
  • Accounts receivable
  • Working capital
  • Refinancing existing debt
Small Business Recovery Loan Program

Small businesses have been through a lot this year. The biggest need for most businesses to recover from the economic impact of covid-19 is affordable and accessible capital. Recognizing this, we have created the Small Business Recovery Program for businesses with three or more years in operation.

The BCL Business Recovery Program features low-interest loans from $20,000 to $100,000 paired with strategic coaching to build recovery and resiliency. This loan program is designed for essential businesses in the retail, manufacturing, industrial, and service sectors recovering from the economic impacts of covid-19.

This program offers more flexible underwriting and collateral requirements than traditional loans, as well as a maximum interest rate of 3% to help businesses stay open and preserve jobs. Rural, minority-owned, woman-owned, and essential service businesses are especially encouraged to apply. Businesses that are accepted for this program will be required to work one-on-one with a small business coach to create a strategic recovery plan.

The Small Business Recovery Loan Program is funded by Wells Fargo through the Open for Business Fund initiative. This program has limited funding and is available until funds are exhausted.

Rural Business Lending

BCL of Texas was founded in 1990 with a mission to promote business growth and expansion in rural communities across Texas. Today, we remain committed to helping to grow small businesses in our smaller communities across all corners of the state, with special funding allocated for businesses in communities with populations of 50,000 or fewer.

Borrowers can use funds for nearly any purpose, such as:

  • Working capital
  • Machinery and equipment
  • Owner-occupied & leasehold improvements
  • Acquisition of real estate (owner-occupied, with substantial rehab and/or equipment investment)
  • Loans from $50,000 to $250,000 available
Loan Packaging & Lender Referrals

BCL of Texas works with an extensive network of bank partners, Small Business Development Centers (SBDCs), Economic Development Corporations (EDCs), other non-profits and many more to provide the best resources for our customers.

Our loan officers can evaluate your borrowing readiness and can assist you to package your loan for one of our many bank partners. BCL of Texas can also work within our funding network to provide tandem loans, loan guarantees, gap financing and other financing solutions.

Call 888-241-2215 to speak to a loan officer today.

Where to Find Us
AUSTIN 1011 San Jacinto Blvd
Suite 500
Austin, TX 78701 P: 512.912.9884 F: 512.912.9869 NMLS #1114924
DALLAS 400 S Zang Blvd
Suite 1220
Dallas, TX 75208 P: 214.688.7456 NMLS #1114924