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Small
Businesses

(Up to $50,000)

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.


Just getting started? BCL of Texas offers full-cycle lending services to help you build your business. We provide business coaching, personalized lending solutions to fit you and your business, and one-on-one coaching for the life of your loan.

Texas Small & Diverse Growth Fund

Did you know? While there was a 48% increase in minority business ownership over the past decade, this growth pales in comparison with non-minority firms.

BCL of Texas is here to help level the playing field with customized lending plan that will help you strategically grow your business. Our Small & Diverse Growth Fund for minority and women-owned businesses offers more flexible underwriting and collateral requirements than traditional lending programs, and is designed specifically to meet your needs as a small business owner.

Get started in 5 easy steps:

  1. Create a profile and then sign up for a consultation with our Entrepreneurship Specialists
  2. Complete your Financial Readiness Assessment and work with our team to develop a strategic growth plan
  3. Apply for a loan starting at $5,000 or all the way up to $50,000
  4. Decision turnaround in 3 business days*
  5. Take advantage of no-cost business coaching throughout the life of your loan


*Upon the receipt of all required documents

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 lending@bcloftexas.org.

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.

New Business Lending

BCL’s goal is to keep Texas communities as strong and vibrant as the people who live here. That’s why we’re offering business capital lending for new business owners within two years of opening shop. We provide no-cost coaching and technical assistance for the life of your loan, and our approach is always customized to your individual needs.

Loans features:

  • Loans of $20,000 up to $50,000
  • Eligible uses: working capital, real estate, furniture, fixtures, equipment, lines of credit, and more
  • Free business coaching for the life of the loan


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