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

Are you looking for information on the Paycheck Protection Program? To get started, visit our PPP info page and begin your Inquiry Application through our online portal.

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
Paycheck Protection Program (PPP)

The SBA has reopened the Paycheck Protection Program. As a CDFI and nonprofit community lender, BCL of Texas is authorized to make PPP loans up to $250,000. Businesses needing a larger loan amount will need to apply through a private lender. We are now accepting inquiries for both first and second draws.

To make the application process go as quickly as possible, please follow these steps:

  1. Review the Required Documents Checklist.
  2. Gather as many of the required documents as possible.
  3. Fill out either the 1st Draw PPP application or 2nd Draw PPP application. Please make sure to choose the correct application.
  4. Fill out the Applicant Certification Form.
  5. Complete the PPP Inquiry Application through our online portal and attach documents from the checklist.

Note: Inquiry forms are not full applications and do not guarantee a PPP loan through BCL of Texas. If you have additional questions, you may email us at

Please allow up to 72 hours for a response to your inquiry. Please do not contact us to follow up on your inquiry until 72 hours have passed, as additional phone calls and emails will only delay our staff, who are working hard to process inquiries as quickly as possible. We share your urgency in getting these funds out to our small business community and will follow up with you as quickly as we are able to.

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 1322 Record Crossing Dallas, TX 75235 P: 214.688.7456 NMLS #1114924