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TBK Bank Business Loans — Term Loans, Lines of Credit, Equipment Financing

TBK Bank Business Loans fund Texas small and mid-market companies across four core structures. Term loans finance capital projects with fixed monthly payments. Revolving lines of credit bridge seasonal cash flow and working capital gaps. Equipment financing covers vehicles, manufacturing equipment, and technology with the asset as collateral. Working capital loans support inventory, payroll, and receivables financing. Loan amounts run from $25,000 through $5,000,000 on conventional products, with SBA lending extending leverage on qualifying deals.

Texas commercial bankers walk every applicant through tax returns, interim financials, debt schedules, and collateral reviews. TBK Bank is regulated by the Office of the Comptroller of the Currency, holds NMLS registration for commercial lending, and operates as an Equal Housing Lender on real estate-secured facilities. Call commercial lending at +1-877-482-2265 Monday through Saturday to start an application.

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TBK Bank business lending officer reviewing commercial loan application with Texas SMB owner

TBK Bank Business Lending at a Glance — April 2026

  • Term loans: $25K–$5M, terms 1–10 years, fixed monthly payments, for capital projects and acquisitions
  • Revolving lines of credit: $50K–$5M, annual renewal, draw as needed, pay interest only on drawn balance
  • Equipment financing: $25K–$2M, up to 7-year terms, equipment serves as primary collateral
  • Working capital loans: $50K–$1M, short-to-mid term, for inventory, payroll, receivables financing
  • SBA 7(a) up to $5M, SBA 504, and SBA Express — TBK Bank is an SBA preferred lender
  • Typical timelines: equipment and small LOCs 7–14 days; term loans 21–30 days; CRE 30–60 days
  • Commercial lending: +1-877-482-2265. Regulated by the OCC. NMLS registered

Four Core TBK Bank Business Loan Products

Structure matters — the right loan type matches the purpose, the collateral, and the expected repayment horizon.

Term Loans

Fixed-rate or variable-rate term loans from $25,000 to $5,000,000 with 1 to 10 year amortization. Fund acquisitions, expansions, major equipment, leasehold improvements, or long-term capital needs. Monthly payments stay predictable for planning and cash flow management.

Revolving Lines of Credit

Flexible draw-and-repay lines from $50,000 to $5,000,000 with annual renewal. Support seasonal cash flow, inventory purchases, payroll timing, and opportunistic vendor discounts. Interest accrues only on the drawn balance. Integrated into TBK Bank online banking.

Equipment Financing

Vehicle, manufacturing equipment, and technology financing from $25,000 to $2,000,000. Terms up to 7 years. The financed equipment serves as primary collateral. Fits construction fleets, medical practice imaging, restaurant equipment, and technology refreshes.

Working Capital Loans

Short-to-mid term loans from $50,000 to $1,000,000 for inventory build, payroll coverage, accounts receivable financing, and bridge needs. Structured with monthly amortization or interest-only periods depending on the cash cycle.

How Texas Businesses Use TBK Bank Business Loans

Lending structures mapped to the real operating needs of Texas retailers, contractors, medical practices, manufacturers, and agricultural operations.

Texas construction company using TBK Bank equipment financing to purchase new work trucks

Term Loans and Equipment Financing for Capital Projects

Term loans fund long-horizon capital: a restaurant group's second location build-out, a contractor's fleet expansion, a medical practice's imaging equipment purchase, or a manufacturer's plant addition. TBK Bank structures term loans with fixed monthly payments on either fixed or variable interest rate structures, amortizing over 1 to 10 years. Borrowers plan cash flow around the consistent monthly obligation rather than variable debt service.

Equipment financing specifically finances tangible assets — work trucks, CNC machines, dental chairs, forklifts, point-of-sale systems, server infrastructure. The financed equipment serves as primary collateral, which often supports higher leverage and faster approval than unsecured term lending. Combined with a Business Checking relationship and treasury services, equipment financing from TBK Bank closes in 7 to 14 business days when financials are current.

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Texas retailer managing TBK Bank revolving line of credit draws through online banking dashboard

Revolving Lines of Credit and Working Capital

Revolving lines of credit handle the timing mismatch between expenses and revenue. A Texas landscaping business that invoices in September but pays crews weekly through the summer uses a revolving line to bridge the receivables gap. A retailer building holiday inventory in October draws against a line and repays from November and December sales. Interest accrues only on the drawn balance, so unused capacity costs nothing beyond annual renewal and commitment fees.

Working capital loans handle longer horizons — a 9-month inventory build before a trade event, a contractor's payroll coverage through a 6-month project, or a distributor's seasonal accounts receivable pool. Working capital loans amortize monthly (or run interest-only during draw periods with a term-out conversion) and usually secure against current assets — receivables, inventory — through a UCC-1 lien. Both structures integrate with TBK Bank online banking for same-day draws and scheduled repayments.

Treasury Integration

TBK Bank Business Loan Comparison

Loan type, typical amount, term, collateral, and best-fit use case for each TBK Bank business lending product.

Loan TypeTypical AmountTermCollateralTypical CloseBest Use Case
Term Loan$25K–$5M1–10 yearsBusiness assets + PG21–30 daysAcquisitions, expansions, CapEx
Revolving Line of Credit$50K–$5MAnnual renewalAR, inventory + PG14–21 daysSeasonal cash flow, inventory
Equipment Financing$25K–$2MUp to 7 yearsFinanced equipment + PG7–14 daysVehicles, machinery, technology
Working Capital Loan$50K–$1M1–5 yearsAR, inventory + PG14–30 daysInventory build, payroll, AR
Commercial Real Estate$250K–$5M+Up to 25 yearsFirst mortgage + PG30–60 daysOwner-occupied CRE purchase
SBA 7(a) LoanUp to $5MUp to 25 yearsBlanket lien + PG45–75 daysExpansion, partner buyout, CRE

PG = personal guarantee required from owners with 20%+ ownership. SBA lending subject to SBA underwriting standards. Real estate financing follows HUD fair-lending guidance. All facilities subject to credit approval and OCC supervisory standards.

What TBK Bank Underwriting Looks For

A community bank underwriting lens — character, capacity, collateral, and capital — applied to every Texas SMB application with real conversations about the business behind the numbers.

Documentation and Timeline

Standard package: 3 years business tax returns, 3 years personal tax returns for 20%+ owners, YTD interim financials within 90 days, AR/AP aging, debt schedule, business formation documents, operating agreement, personal financial statement for each guarantor, and 2 years of business bank statements. Equipment financing adds invoices; commercial real estate adds appraisal, environmental report, and rent roll. TBK commercial bankers share a documentation checklist at intake and provide weekly status updates through underwriting per OCC community bank servicing standards.

Collateral, Guarantees, and Structure

Most TBK Bank business loans are secured. Equipment financing takes a first lien on the equipment. Term loans secure against business assets through a UCC-1 blanket lien, sometimes with additional collateral on larger facilities. Revolving lines secure against receivables and inventory with advance rates set by asset quality. Commercial real estate takes a first-position mortgage. Personal guarantees from 20%+ owners are standard. Unsecured revolving lines exist only for strong, established relationships with demonstrated repayment history. Small business resources and guaranty programs via the SBA supplement conventional lending.

Texas Borrowers on TBK Bank Business Loans

Real Texas owners share how TBK Bank term loans, lines of credit, and equipment financing moved their businesses forward.

"Equipment financing for four new work trucks closed in ten business days. The commercial banker drove out to our yard in Arlington to meet the crew before writing the loan — that does not happen at national banks."

Thomas Reyes — Owner, North Texas Concrete

"Our revolving line of credit carries us through the summer landscaping season. We draw against receivables when crews bill in September and repay through October collections. The online banking interface makes draws one click."

Susan Patel — Owner, Austin Landscape Design

"Term loan for the second restaurant closed in 28 days including a full appraisal on the real estate. Fixed-rate structure let us lock the payment while we built out. Two years later the location runs above projections."

Marcus Weber — Owner, Houston Restaurant Group

Apply for a TBK Bank Business Loan

Fund your next capital project, bridge a seasonal cash flow gap, or finance new equipment with a commercial lender that understands Texas SMBs. Start with a 15-minute intake call to a TBK Bank commercial banker at +1-877-482-2265 — they will walk through purpose, amount, timing, and documentation before pulling credit. Expect equipment and small revolving lines in 7 to 14 days, term loans under $500K in 21 to 30 days, larger facilities and commercial real estate in 30 to 60 days, and SBA 7(a) approvals in 45 to 75 days with TBK Bank's SBA preferred lender status accelerating the SBA window. Over 40 years of Texas community banking — plus branch coverage across Colorado, Iowa, Illinois, Kansas, and New Mexico — stand behind every Business Loan, from sole proprietor equipment purchases through mid-market acquisition financing and commercial real estate projects.

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Frequently Asked Questions About TBK Bank Business Loans

Answers about loan types, approval timelines, documentation, collateral requirements, and revolving line usage.

What types of business loans does TBK Bank offer?

Term loans ($25K–$5M, 1–10 year amortization), revolving lines of credit ($50K–$5M annual renewal), equipment financing ($25K–$2M, up to 7 years), working capital loans ($50K–$1M), commercial real estate, and SBA 7(a), 504, and Express.

How long does approval take?

Equipment and small LOCs: 7–14 days. Term loans under $500K: 21–30 days. Larger term loans and CRE: 30–60 days (appraisal + title). SBA loans: 45–75 days with TBK Bank preferred lender status accelerating the SBA review window. Weekly status updates throughout.

What documents does TBK Bank need?

3 years business tax returns, 3 years personal tax returns (20%+ owners), YTD interim financials within 90 days, AR/AP aging, debt schedule, formation docs, operating agreement, personal financial statement per guarantor, 2 years business bank statements. Equipment adds invoices; CRE adds appraisal + environmental + rent roll.

Does TBK Bank require collateral?

Most loans are secured. Equipment takes a lien on the equipment; term loans secure against business assets via UCC-1; revolving lines against AR/inventory; CRE via first mortgage. Personal guarantees from 20%+ owners are standard. Unsecured small revolving lines available only for strong established relationships.

Can a revolving line of credit be used for any business purpose?

For short-term purposes: inventory, seasonal payroll, AR financing, marketing campaigns, vendor-discount plays, bridge financing. Not for long-term CapEx or real estate — use a term loan or equipment financing instead. Draw through online banking, interest only on drawn balance, renew annually.