Dallas/Fort Worth District Information Guide
U.S. Small Business Administration
Dallas/Fort Worth District Office
4300 Amon Carter Blvd., Suite 114
Fort Worth, TX 76155
(817) 684-5500
Message from District Director, Herbert Austin
The U.S. Small Business Administration (SBA) helps Americans start, build and grow businesses. Through an extensive
network of field offices and partnerships with public and private organizations, SBA delivers its services to people
throughout the United States, Puerto Rico, the U.S. Virgin Islands and Guam. We recognize that small business is critical
to our economic recovery and strength, to building America’s future, and to helping the United States compete in today’s
global marketplace.
SBA offers numerous financing programs for small businesses that are administered through private sector lenders and
other organizations. SBA has a working relationship with a vast number of lenders all around the country. The SBA does
not have grants to start or expand a business.
The basic 7(a) Loan Guaranty is the primary business loan program to help qualified small businesses obtain financing
when they might not be eligible for business loans through normal lending channels. It is also the agency’s most flexible
business loan program, since financing under this program can be guaranteed for a variety of business purposes. More
detailed financial information can be found in this information packet or click on ‘financing’ at www.sba.gov.
This packet contains a list of the most active participating lenders in the 72 counties in North Texas--under the jurisdiction
of the Dallas/Fort Worth District Office (D/FW). SBA offers its lending partners a variety of ways to deliver the 7 (a) Loan
program. More experienced lenders can receive higher levels of delegated authority and expedited loan approvals. This
allows the lender to provide the borrower with a decision more quickly.
Additionally listed in this packet is information on the SBA resource partners. Visit the SCORE business counselors at
www.score.org or contact the SCORE Chapter nearest you for free counseling. Visit the Small Business Development
Centers (SBDC) at www.ntsbdc.org. Both resource partners offer various workshops, seminars and mini-courses and
provide free one-on-one counseling to those interested in starting and expanding a business.
There is a wealth of information on the SBA website at:
Dallas/Fort Worth District Office Website:
http://www.sba.gov/about-offices-content/2/3148.
Follow us nationally on Twitter & Facebook
SBA Region VI Twitter:
www.twitter.com/SBAsouthcentral
SBA Region VI Facebook:
www.facebook.com/SBASouthCentral
Revised October 14, 2011
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Business Counseling:
U.S. Small Business Administration provides online information, such as the Small Business Planner who answers questions on
managing your business from start to finish. The Services area helps with information on expanding your business with programs and
services. The Tools area works on increasing your business knowledge and productivity. And, the Local Resource area provides
local information: the local district office, SCORE, Small Business Development Centers and Women’s Business Centers. Surf our
website for much more information, www.sba.gov.
SCORE "Counselors to America's Small Business" is a nonprofit association dedicated to educating entrepreneurs and the formation,
growth and success of small business nationwide. SCORE provides free and confidential small business advice for entrepreneurs.
Contact SCORE through their website www.score.org or from the District SCORE list below.
Dallas SCORE Chapter 22
East Texas Chapter 280
Fort Worth Chapter 120
Meadows Building
5646 Milton St., Suite 303
Dallas, TX 75206
(214) 987-9491 Mon-Fri 9:00--3:00
Prefer Appointment-Walk-ins Welcome
1530S. SSW Loop 323, Suite 100
Tyler, TX 75701
(903) 510-2975
Call for Appointment
Mon-Fri 8:00--5:00
James E. Guinn School Complex
1150 S. Freeway – Suite 108
(I-35 @ Rosedale)
Fort Worth, TX 76104
Call for Appointment-(817) 871-6002-Mon-Fri 9:00--3:00
On-Line reservation at www.scorefortworth.org
Dallas SCORE Chapter—Satellites
Dallas SCORE Chapter—Satellites Continued
Fort Worth SCORE Chapter—Satellites
Allen—Chamber of Commerce
Irving—Las Colinas Chamber of Commerce
210 W. McDermott Drive
Allen, TX 75013
(972) 727-5585 Thursday 12:00--3:00
By Appointment Only
5201 N. O’Connor Blvd., Suite. 100
Irving, TX 75039
(214) 217-8484 Wednesday 9:00--2:00
By Appointment Only
Cleburne Chamber of Commerce
Carrollton—Metrocrest Chamber of Commerce
Lewisville—Chamber of Commerce
Colleyville City Offices
5100 Belt Line Road, Suite 430
Dallas, TX 75254
(469) 587-0420 Monday 12:00--3:00
By Appointment Only
551 N. Valley Parkway.
Lewisville, TX 75067
(972) 436-9571 Friday 9:00--1:00
By Appointment Only
100 Main Street, 3rd Floor
Colleyville, TX 76034
(817) 871-6002 By Appointment Only
4th Tues each month in evenings --
Denton—South Branch Library
McKinney—Chamber of Commerce
Euless Library
3228 Teasley Lane
Denton, TX 76210
(940) 349-8752 Wed 9:00--12:00
By Appointment Only
2150 S. Central Expressway, Suite 150
McKinney, TX 75070
(972)542-0163 --Wednesday 1:00--3:00
By Appointment Only
201 Ector Dr.
Euless, TX 76039
(817) 871-6002 By Appointment Only
(214) 217-8484
Duncanville—Chamber of Commerce
North Dallas—Chamber of Commerce
Fort Worth Small Business Administration
300 E. Wheatland Road
Duncanville, TX 75116
(972)780-4990 Thursday 9:00--12:00
By Appointment Only
10707 Preston Road
Dallas, TX 75230
(214) 368-6485—Friday 9:00—12:00
By Appointment Only
4300 Amon Carter Blvd., Suite 114
Fort Worth, TX 76155
(817) 871-6002 Tues. & Wed. 10:00--2:00
Prefer Appointment—Walk-ins Welcome
Farmers Branch Office
Oak Cliff—Chamber of Commerce
North Richland Hills - Public Library
One Medical Parkway, Suite 104
Farmers Branch, TX 75234
(972) 243-8966 Wednesday 9:00--12:00
By Appointment Only
400 S. Zang Blvd.
Dallas, TX 75208
(214) 943-4567 Thursday 9:00—12:00
By Appointment Only
9015 Grand Ave.
North Richland Hills, TX 76180
(817) 871-6002 Tues., Wed., & Thurs.
By Appointment Only
Flower Mound – Chamber of Commerce
Plano—Collin County Community College
700 Parker Square – Suite 100
Flower Mound, TX 75028
(972) 539-0500 Thursday 1:30 – 4:00
By Appointment Only
4800 Preston Park Blvd., A 126
Plano, TX 75093
(972) 985-3770 By Appointment Only
Thursday 9:00—12:00 & Friday 12:00--3:00
Frisco - Chamber of Commerce
Richardson - Chamber of Commerce
6843 Main Street
Frisco, TX 75034
(972) 335-9522 Wednesday 9:00-12:00
By Appointment Only
411 Belle Grove
Richardson, TX 75080
(972) 792-2800 Tuesday 9:00--12:00
By Appointment Only
Garland - Inwood National Bank
Rowlett—Chamber of Commerce
1200 Main St.
Garland, TX 75041
(972) 272-7551 Thursday 9:00-12:00
By Appointment Only
3910 Main Street
Rowlett, TX 75088
(972) 475-3200 Friday 9:00—12:00
By Appointment Only
Import/Export Office
Sachse—Chamber of Commerce
8787 North Stemmons Freeway
Dallas, TX 75247
(214) 267-2215--By Appointment Only
Mon & Tues 7:00--3:00 and Wed 7:00--11:30
5941 Highway 78
Sachse, TX 75048
(972) 469-1212 Wednesday 9:00--3:00
By Appointment Only
2
1511 West Henderson Street
Cleburne, TX 76033
817-781-6002
Wed 9:00 – 3:00 – Call for Appointment
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Business Counseling-Small Business Development Centers
The Office of Small Business Development Centers (SBDC) provides management assistance to current and prospective small business owners.
The DFW District has 2 SBDC Network leads the North Texas Regional Network, located at 1402 Corinth St., Dallas, TX, 75215, (214) 860-5831,
associated with the Dallas County Community College District, has 14 centers, 6 branch offices and 5 specialty centers that cover 49 counties
www.ntsbdc.org . *The Northwest Texas Regional Network, located at 2579 S. Loop 289, Lubbock, TX 79423, (800) 992-7232, associated with
Texas Tech University, has 3 centers that cover the remaining 23 of our counties. www.nwtsbdc.org **SBDC Specialty Centers
Athens, Texas
Trinity Valley SBDC
Garland, Texas
Garland Chamber Satellite
Waxahachie, Texas
Waxahachie Satellite
100 Cardinal Drive
Athens, TX 76751
(903) 675-7403
520 N. Glenbrook Drive
Garland, TX 75040
(214) 860-5865
1900 John Arden Dr.
Waxahachie, TX 75165
(972) 923-6425
Arlington, Texas
UTA Arlington Innovation Center
Longview, Texas
Kilgore College SBDC
**SBDC Specialty Centers
202 E. Border Street, Suite 132
Arlington, TX 76010
(817) 871-6028
911 NW Loop 281, Suite 209
Longview, TX 75604
(903) 757-5857 (800) 388-7232
Bonham, Texas
Fannin SBDC – Satellite
Mexia, Texas
Mexia Satellite
**North Texas SBDC Regional Office
Dallas, Texas
1909 N. Highway 121
Bonham, TX 75418
(903) 463-8787
405 E. Milam Street, Suite 4B
Mexia, TX 76667
(254) 472-0870
1402 Corinth Street
Dallas, TX 75215
(214) 860-5831
Cedar Hill, Texas
Best Southwest SBDC
Mt. Pleasant, Texas
Northeast/Texarkana SBDC
Dallas, Texas
**Risk Management SBDC
207 N. Cannady Dr.
Cedar Hill, TX 75104
(972) 860-7894
2886 FM 1735 Chapel Hill Rd.
Mt. Pleasant, TX 75456
(903) 434-8237
1402 Corinth Street
Dallas, TX 75215
(214) 860-5821
Corsicana, Texas
Navarro SBDC
North Richland Hills, Texas
North Richland Hills Satellite
NRL Public Library
Dallas, Texas
**Center for Government Contracting SBDC,
7th
3200 W. Avenue
Corsicana, TX 75110
(903) 875-7667
1402 Corinth Street
Dallas, TX 75215
(214) 860-5889
Dallas, Texas
Dallas SBDC
Palestine, Texas
Palestine Satellite
Dallas, Texas
**International SBDC
1402 Corinth Street
Dallas, TX 75215
(214) 860-5865 or (214) 860-5859
Palestine Economic Development Corp
100 Willow Creek Parkway, Suite A
Palestine, TX 75801
(903) 729-4100
8787 Stemmons Freeway, Suite 240
Dallas, Texas 75247
(214) 267-2210, (800) 337-7232
Denison, Texas
Grayson SBDC
Paris, Texas
Paris SBDC
Fort Worth, Texas
**SBDC for Enterprise Excellence
6101 Grayson Drive
Denison, TX 75020
(903) 463-8787
2400 Clarksville Street
Paris, TX 75460
(903) 782-0224
7300 Jack Newell Blvd., S.
Fort Worth, TX 76118
(817) 272-5930
Denton, Texas
Denton Chamber of Commerce –
Satellite
Plano, Texas
Collin SBDC
Dallas, Texas
**Technology Assistance Center SBDC
4800 Preston Park Blvd., Suite 114
Plano, TX 75093
(972) 985-3770
1402 Corinth Street
Dallas, TX 75215
(214) 860-5709
Fairfield, Texas
Fairfield Satellite
Texarkana, Texas
Northeast/Texarkana Satellite
900 W. Commerce
Fairfield, TX 75840
(903) 389-5710
2435 Moser Street
Texarkana, TX 75501
(903) 832-5565 ext 3156
*The Northwest Texas Regional
Network
Flower Mound, Texas
North Central Texas SBDC-Satellite
Temple, Texas
Temple Satellite
Abilene, Texas
*Texas Tech University SBDC @ Abilene
1200 Parker Square, Room 108
Flower Mound, TX 75028
(972) 899-8420
19 North Main Street
Temple, TX 76501
(254) 299-8141
500 Chestnut Street Ste 601
Abilene, TX 79602
(325)670-0300 (888) 670-0300
Fort Worth, Texas
Tarrant County College SBDC
James E. Guinn School Complex
Tyler, Texas
Tyler SBDC
Granbury, Texas
*Tarleton State University SBDC
1530 S. SW Loop 323, Suite 100
Tyler, TX 75701
(903) 510-2975
College of Business Administration
105 N. Stockton, Suite A
Granbury, TX 76048
817-573-7681
Gainesville, Texas
North Central Texas SBDC
Waco, Texas
McLennan SBDC
Wichita Falls, Texas
*Midwestern State University
1525 W. California
Gainesville, TX 76240
(940) 668-4220
1400 College Dr.
Waco, TX 76708
(254) 299-8141, (800) 349-7232
Administration Building
3410 Taft Boulevard
Wichita Falls, TX 76308
(940) 397-4373
414 Parkway
Denton, TX 76201
(940) 380-1849
1150 S. Freeway, I-35 @ Rosedale, Suite 229
Fort Worth, TX 76104
(817) 871-6028
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9015 Grand Avenue, Suite 228
North Richland Hills, TX 76180
(817) 427-6840
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Business Counseling- continued
Business.Gov is the official business link to the U.S. Government. Business.Gov is managed by the U.S. Small Business Administration in a
partnership with 21 other federal agencies. The web site makes it easier to find information on taxes, immigration laws, workplace safety,
environmental requirements and other regulations that can present challenges for small and mid-sized businesses. This website provides business
owners with a one-stop resource, which searches the federal government agencies that regulate or serve businesses, for compliance information
and resources.
The end goal of Business.Gov is to cut through the red tape and make it easier for businesses to do business. This web site will help streamline
access to information and reduce federal compliance barriers to help businesses save time and money
The Online Women’s Business Center www.sba.gov/aboutsba/sbaprograms/onlinewbc offers women information about business principles
and practices, management techniques, networking, industry news, market research, and more. Features include interactive mentoring and
individual counseling, topic forums, newsgroups, information in nine languages and a data resource guide.
The Fort Worth Business Assistance Center provides business training and counseling, networking opportunities, technical assistance,
mentoring, access to the SBA’s programs and services, and programs to support the success of small, women and minority business owners. Fort
Worth Business Assistance Center, James E. Guinn School Complex, 1150 S. Freeway, (I-35 @ Rosedale), Fort Worth, TX 76104, (817)-871-6025:
Business Workshops:
Dallas SCORE Small Business Workshops:
Held every 4th Saturday of each month at
Center For Community Cooperation
2900 Live Oak Street, Dallas, TX, 75204
The cost is $50 and the events are from 8:30 AM to 4:30 PM.
For more information call 214/987-9491.
How to Start a Small Business Mini Course
2nd Thursday, 5:30 p.m. - 7:30 p.m. and 4th
Thursday 2:00 p.m. - 4:00 p.m., Monthly
1150 South Freeway, Suite 229, Fort Worth
The cost is $30.00
Call 817-871-6028 for more information
Fort Worth SCORE Small Business Workshops:
Held every 3rd Saturday of each month at
The Business Assistance Center, 1150 South Freeway,
Fort Worth, TX 76104.
The cost is $50 - from 8:30 AM to 3:00 PM.
(817) 871-6002
Networking Opportunities:
Contacting potential customers is always a difficult issue for small business owners. Two events held in the Metroplex that provide excellent
opportunities for small business owners to meet government and large business representatives, and other small business owners are:
The Tarrant County Business Breakfast
1st Tuesday of every month at 7:00 am – 8:30 am
Radisson Hotel South at 100 Alta Mesa, Fort Worth Fee: $8.00
For more information visit www.tarrantcountybusinessbreakfast.org
The Dallas Minority Business Breakfast
3rd Thursday of every month at 7:30 a.m.
City Place, Alcove Room 3rd Floor, 2711 N. Haskell
To attend call (214) 767-8003
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COMMON BUSINESS QUESTIONS
The following are responses to the most frequently asked questions
To Register Your Business Name, contact the COUNTY CLERK’S
OFFICE, for the county in which your business will be located. You
will find a list of county clerks at www.sos.state.tx.us/
For Information on Size Standards:
North American Industrial Classification System (NAICS)
Visit: www.sba.gov/sizestandards
To obtain a State of Texas Resale Permit:
Comptroller of Public Accounts
(800) 252-5555
You will find a list of field offices at:
www.window.state.tx.us/
To obtain a Federal Employee Tax ID Number
Contact the IRS at (800) 829-4933 www.irs.gov
Tax workshops sponsored by the SBDC
To Register: 817-871-6028
Fee: $45.00
Your Business: Texas Secretary of State
(512) 463-5555.
www.sos.state.tx.us/
Guide to Texas Business Licenses & Permits:
www.texasonline.com/portal/tol/en/bus/home
To obtain Patents or Trademarks:
U.S. Patent and Trademark Office
Washington, D.C. 20231
(800) 786-9199
www.uspto.gov/
To obtain a Copyright:
Library of Congress
Washington D.C. 20559
Forms:
(202) 707-9100
Information: (202) 707-3000
www.copyright.gov/
For Patent, Trademark Search and Technology Assistance:
Technology Assistance Center
1402 Corinth
Dallas, TX 75215
(214) 860-5709
To Obtain Bid, Payment or Performance Bonds:
SBA’s Surety Bond Guarantee Program is administered by:
Office of Surety Guarantee, 409 3rd St., SW
8th Floor, Washington, DC 20416
Contact Pam Swilling at (202) 205-6546
Go to www.sba.gov/osg/ for more information.
Fort Worth:
1st & 3rd Wednesday
9:00 a.m. to 1:00 p.m.
1150 South Freeway, Suite 229, Ft Worth
Arlington: Every 3rd Saturday
9:00 a.m. to 1:00 p.m.
University of Texas at Arlington
Center For Cont. Ed. & Workforce Dev.
140 W. Mitchell
EXPORTING INFORMATION -- loan information regarding working
capital needed to perform export sales.
International Small Business Deve. Center c/o Info-Mart
1950 N Stemmons Freeway, Suite. 5067
Dallas, TX 75258
(214) 747-1300
U.S. Export Assistance Center
1450 Hughes Rd., Suite 220
Grapevine, TX 76051
(817) 310-3749
Contact: Rick Schulze
Check out this site on the Web: www.sba.gov/oit/.
IMPORTING INFORMATION
U.S. Customs and Border Protection (Service Port-Dallas/Ft. Worth)
P.O. Box 619050
Dallas/Fort Worth Airport, TX 75261
(972) 870-7460,
www.cbp.gov
For Grant Information
SBA does not have programs for grant assistance to start or expand a
business. Visit www.grants.gov to determine if there are any
appropriate grants to help you.
Any reference obtained from this information packet to a specific commercial product, process, or service does not constitute or imply an
endorsement by SBA or the United States Government of the product, process, or service, or its producer or provider. The views and
opinions expressed in any referenced document do not necessarily state or reflect those of the SBA or the United States Government.
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Selling to the Government
If you are interested in selling your product or services to the Federal Government, SBA has several programs designed to assist. In accordance with
Federal procurement regulations, your business must be the primary provider of the service or product, i.e., the contractor or manufacturer. The
programs are:
Small Business Set Aside:
The Department of Defense (DOD) and many other large procuring agencies of the Federal Government set aside contracts for small business.
Entrance into the program can be initiated by contacting your closest installation or
University of Texas at Arlington
Cross Timbers Procurement Technical Assistance Center
7300 Jack Newell Blvd. S.
Fort Worth, TX 76118
Phone: 817-272-5905 or 5978
Fax: 817-272-5952
Email: gharlin@arri.uta.edu
URL: www.ctpc-texas.org
POC: Gary Harlin
Center for Government Contracting SBDC
1402 Corinth
Dallas, TX 75215
Phone: 214-860-5889
Email: cpw9421@dcccd.edu
URL: http://www.ntsbdc.org/c_gov_contr.shtml
POC: Chuck Waldrop
(A fee may be charged for some workshops)
8(a) Business Development Program:
A program to assist socially and economically disadvantaged business owners to sell their goods and services to the Federal
Government. Applicant must be 51% owner and manager of an existing business that has been viable for the past two years.
The two-year requirement may be waived in some instances. Review eligibility and apply online at www.sba.gov/8abd.
Additional Information and access to the SBA Internet application for 8(a) Business Development certification is available at
sba8a.symplicity.com/applicants/guide.
HUBZone Empowerment Contracting Program:
A HUBZone is a “historically underutilized business zone.” The HUBZone Program is a “place-based” federal contracting
program serving new market communities with low income or high unemployment. The program provides both federal prime
contract and subcontract benefits. Only companies certified by the SBA are eligible to participate in the HUBZone program.
To qualify, the company’s principal office must be located within a “HUBZone”; the company must be owned and controlled by
one or more U.S. citizens; and at least 35 percent of the company’s employees must be HUBZone residents. Apply online at
https://eweb1sp.sba.gov/hubzone/internet/general/dsp_enter_application.cfm?null=1236867264012 .
Business owners interested in more information should consider attending monthly classes regarding SBA’s
certification programs for 8(a) & HUBZone in:
Dallas
10:00 a.m. - First Monday of each month`
(If first Monday is a federal holiday, the class will be held the following Monday)
Dallas SBDC/Center for Government Contracting SBDC
Bill J. Priest Center for Economic Development
1402 Corinth St.
(214) 860-5889
Fort Worth
10:00 a.m. First Wednesday of each month
U.S. Small Business Administration
4300 Amon Carter Blvd., Suite 114
(817) 684-5500
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Business Loan Information
The U.S. Small Business Administration (SBA) is authorized under Section 7(a) of the Small Business Act to provide
financial assistance to small businesses in the form of government guaranteed loans. Loan applicants must first contact a
participating lender. SBA guaranteed loans are made by participating lenders under an agreement (SBA Form 750) to
originate service and liquidate loans in accordance with SBA regulations, policies and procedures.
Documentation requirements may vary; contact your lender for information you must supply. Common requirements include:
purpose of the loan, history of the business, financial statements for three years (existing businesses), schedule of term debts
(existing businesses), summary aging of accounts receivable and payable (existing businesses), projected opening-day
balance sheet (new business), lease details, amount of investment in the business by the owner(s), projections of income,
expenses and cash flow, signed personal financial statements and personal resume(s). You should take the information,
including your loan proposal and submit it to a local lender. You should speak with a representative of the lender that is
involved in the SBA loan program for that lender to receive the best assistance from one who is knowledgeable about SBA and
its programs. Under this program, the SBA can guaranty up to 85% of a small business loan; however, the lender must agree
to loan the money with the SBA guarantee. The lender will then submit your loan package to one of the two SBA loan
processing centers located in Hazard, Kentucky or Citrus Heights, California. After receiving all documentation, the SBA
analyzes the entire application and then makes its decision. The process may take up to 10 working days to complete.
Loans can be used for equipment, fixtures, construction, to purchase land or buildings, leasehold improvements, inventory,
debt repayment, working capital and lines of credit. The following general information is provided so you can have a better
understanding of the SBA loan program. Each loan application is reviewed individually by your bank or a small business
lending company, a firm that is licensed and regulated by SBA to make 7(a) loans, and the SBA.
Guaranty Percentage and Loan Amount
Lender may request up to a 75 percent guaranty for a 7(a) loan submitted under the following programs:
Loan Program
Standard 7(a)
CLP
PLP
Small/Rural Lender Advantage
SBA Express
Patriot Express
International Trade Loans
Export Express
Export Working Capital Program (EWCP)
Gulf Opportunity
Community Advantage Lenders
Small Loan Advantage Program
Maximum loan amount
$5,000,000
$5,000,000
$5,000,000
$ 350,000
$ 350.000
$ 500,000
$5,000,000
$ 500,000
$5,000,000
$ 150,000
$ 250,000
$ 250,000
%
75
75
75
75
50
75
90
75
90
90
75
75
Maximum guarantee amount
$3,750,000
$3,750,000
$3,750,000
$ 262,500
$ 175,000
$ 375,000
$4,500,000
$ 350,000
$4,500,000
$ 127,500
$ 212,500
$ 212,500
The Small Business Jobs Act changed the maximum SBA guaranteed amount to $3,750,000. Therefore, for those loan
programs that have a maximum loan amount greater than $500,000 (Standard 7(a), CLP, and PLP), in order for the loan to
receive a 75 percent guaranty, the loan amount cannot exceed $5,000,000 ($3,750,000 divided by 75 percent).
For loans greater than $5,000,000 the maximum guaranty will be calculated as follows: $3,750,000 (SBA guaranteed amount)
divided by the loan amount rounded down to the second decimal. For example, if the loan amount is 5,000,000, then the
guaranty percentage would be $3,750,000 divided by $5,000,000, which equals 75 percent.
1. The SBA guarantees loans submitted and made by regulated financial institutions. SBA does not have grants to start a small
business.
a)
b)
c)
7
SBA guarantees a portion of loans up to $5,000,000, except for 504, Delta, and International Trade Loans.
There is no minimum loan amount. SBA can guarantee 85% of a loan under $150,000 and 75% of a loan
over $150,000, but may not guarantee more than $3,750,000.
The prospective borrower will be required to provide an equity contribution. SBA does not have specific
requirements but considers each application based on all factors. Most lenders require an equity investment
of 30% to 50% for new businesses and 20% to 30% equity for existing businesses.
An existing business will be required to provide a financial statement showing the business is a profit-making
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concern, does not have delinquent taxes and will have a satisfactory debt-to-worth ratio, after the loan.
Many confuse collateral and equity. Equity is the owner’s investment or net worth in the business. Collateral
is anything of value (business or personal) which may be pledged to secure the loan.
The SBA charges the lender a guaranty fee on the guaranteed portion of the loan. SBA policy allows the
lender to pass this guaranty fee to the borrower after the lender has paid the fee and the loan is disbursed.
d)
e)
2. The SBA guaranteed loan program limits interest rates, based on the prime rate posted in the Wall Street Journal, according to the
following schedule:
a)
b)
c)
d)
Loans of $50,000 or more with a maturity of less than 7 years: Prime rate plus 2¼%.
Loans over $50,000 or more with a maturity of 7 years or more: Prime rate plus 2¾%.
Loans up to $25,000: Prime Rate plus 4¼% or 4¾%.
Loans over $25,000 to $50,000: Prime Rate plus 3¼% or 3¾%.
3. The SBA guaranteed loan maturity (length of loan) is based upon the ability to repay and the following schedule:
a)
b)
c)
Working capital loans: 5 to 7 years (10 years if necessary for repayment)
Equipment loans: 25 years (limited to the useful economic life of the asset)
Real estate and building: Up to a maximum of 25 years
4. To qualify as a small business concern for most SBA programs, small business size standards define the maximum size that
a firm, including all of its affiliates, may be. The SBA has established two widely used size standards – 500 employees for
most manufacturing and mining industries and $6.5 million in average annual receipts for most non-manufacturing industries.
However, many exceptions exist. For the applicable size standard, see the SBA’s Small Business Size Regulations,
13 CFR §121 or the Table of Small Business Size Standards matched to NAICS industries for which SBA has established
standards.
The general size standards for SBA guaranteed business loans are based on the number of employees or full-time
equivalents per pay period averaged over the preceding 12 months, or on the sales volume average over a three-year,
period, according to the following schedule:
a)
b)
c)
d)
e)
f)
g)
Manufacturing: Maximum number of employees may range from 500 to 1500, depending on the type of
product manufactured.
Wholesaling: Maximum number of employees may not exceed 100.
Services: Annual receipts may not exceed $4.5 million to $35.5 million, depending on the industry.
Retailing: Annual receipts may not exceed $7 million to $35.5 million.
Construction: General construction annual receipts may not exceed $7 million to $33.5 million, depending on
the industry.
Special Trade Construction: Annual receipts may not exceed $14.0 million.
Agriculture: Annual receipts may not exceed $750,000 thousand to $17.5 million, depending on the industry.
5. The most important part of your discussion with the lender is to be prepared with data to answer the lender's questions. A
BUSINESS PLAN that includes the items listed below will be most helpful to you in presenting your proposal:
a)
b)
c)
d)
e)
f)
g)
h)
i)
8
Projected profit and loss statement
Cash flow projections
Market analysis
Marketing strategy
Description of the business, listing any affiliates
Product or services and any advantage
Managerial ability - resumes of the key staff
Financial information (personal and business)
The requested loan amount and how the loan proceeds are to be utilized
3/6/2016
6. Business types and/or proposals that are ineligible for the SBA guaranteed loan programs are
a)
b)
c)
d)
e)
f)
g)
h)
i)
j)
k)
l)
m)
n)
o)
p)
Large businesses
Non-profit organizations
Gambling establishments
Monopolistic business
Pyramid sales organizations
Investment and speculative businesses
Partial purchase of a business
Lending institutions
Real estate held for speculation, investment, or rental
Religious organizations
Businesses located in foreign countries
Illegal businesses
Over 30-day rental operations
Businesses owned by people who are on parole or under indictment
Business that has access to funds through personal resources and/or personal credit and/or excess assets
Private clubs not open to the public
ACCESS TO CREDIT USING SBA GUARANTY PROGRAM
Any lender operating under state or federal bank regulations can participate in the guaranty loan program offered by the U.S. Small
Business Administration (SBA). Prospective borrowers are therefore encouraged to first contact their lender if they feel the guaranty
program might fit their business plans. Other types of lenders such as small business lending companies licensed and regulated by
SBA, Production Credit Associations, some credit unions, among others, can also participate in the guaranty program.
Attached is a list of lenders (bank and non-bank) that have been our most active participants in the guaranty program. These lenders
have established a history of high loan volume, low loan loss ratios, and professional presentations with this office.
NOTE: Loan packaging (the preparation of documents and financial data necessary for proper credit analysis of proposals) is
considered to be a financial service. It is reasonable (depending upon the amount of labor) for a prospective borrower who chooses to
use an outside packaging service to expect a fee. This is an arrangement between the prospective borrower and whomever they
choose to engage. However, when charges for these services become excessive, it may affect the working capital availability of the
potential borrower. SBA regulations require a detailed justification of hourly fees and charges for services in excess of one thousand
dollars. Borrowers and participating SBA lenders are encouraged to review and discuss charges that seem excessive prior to the
submission of loan packages to the SBA, since they may detrimentally affect the credit position of the potential borrower. Attached to
the front of every application package is a “Pre-Acceptance SBA Loan Application Check List of Requirements” that spells out the
basic information needed for most loan situations. Submission of a thorough, complete application is essential to full consideration and
a rapid response.
Rural Lender Advantage
The U.S. Small Business Administration (SBA) is introducing a new 7(a) loan initiative designed to accommodate the unique loan
processing needs of small community/rural-based lenders, many of which do not make SBA 7(a) loans or make very few SBA loans.
Small/Rural Lender Advantage (S/RLA) is part of a broader SBA initiative to promote the economic development of local communities,
particularly those facing the challenges of population loss, economic dislocation, high unemployment, etc. This initiative is part of the
Agency’s 7(a) loan guaranty program and is designed to encourage small community/rural lenders to partner with SBA by simplifying
and streamlining the Agency’s loan application process and procedures, particularly for smaller SBA loans.
SBA’s Export Working Capital Program (EWCP)
This program is a short-term guaranty loan program that provides working capital for small exporters to perform on export transactions.
Those interested in this program should contact the SBA Representative at the North Texas U.S. Export Assistance Center. The
9
3/6/2016
address and phone number are listed on page 5 under Exporting Information.
SBA Export Express
The SBA Export Express program is a Streamlined financing up to $500,000.00. This program offers flexibility and ease of use to both
borrowers and lenders. It is the simplest export loan product offered by the SBA and allows participating lenders to use their own
forms, procedures and analyses. The SBA provides an answer in 36 hours or less.
Patriot Express
The new Patriot Express pilot loan program provides loans up to $500,000 with an SBA loan guaranty of up to 85% for loans of
$150,000 or less and 75% for loans over $150,000 up to $500,000. Patriot Express is available to the military community, including
veterans, service-disabled veterans, active-duty service members in the military’s Transition Assistance Program, Reservists and
National Guard members, current spouses and any of the above, and the widowed spouse of a service member or veteran who died
during service, or of a service-connected disability.
SBAExpress Lenders
SBAExpress provides selected lender with a 50 percent guaranty on their loans in exchange for the ability to use primarily their own
application and documentation forms. This method makes it easier and faster for lender to provide small business loans of $350,000
or less.
Preferred and Certified lenders
The most active and expert participating lenders qualify for either the SBA’s Certified or Preferred Lenders Program. Both programs
offer a quicker turnaround on your loan application.
Small Loan Advantage
 Small Loan Advantage is structured to encourage larger, existing SBA lenders to make lower-dollar loans, which often benefit
businesses in underserved markets.
 Maximum Loan Size: $250,000
 Guarantee: 85 percent for loans up to $150,000 and 75 percent for those greater than $150,000.
 Approval Times: Small Loan Advantage loans submitted electronically through e-Tran will be approved within minutes. Other
applications will be approved within one business day.
 Paperwork: Small Loan Advantage features streamlined paperwork, with a two-page application for borrowers.
 Lender Requirements: Small Loan Advantage is open to banks participating in SBA’s Preferred Lender Program (PLP).
Microloan Program
The MicroLoan Program provides very small loans to start-up, newly established or growing small business concerns. Under this
program, SBA makes funds available to nonprofit community based lenders (intermediaries) which, in turn, make loans to eligible
borrowers in amounts up to a maximum of $50,000. The average loan size is about $10,500. Applications are submitted to the local
intermediary and all credit decisions are made on the local level.
Certified Development Companies
The 504 Program provides long-term, fixed-asset financing through certified development companies. These nonprofit corporations
are sponsored by private-sector organizations or by state and local governments to contribute to economic development through CDCs
and private-sector lenders. The SBA can guarantee debentures covering as much as 40 percent of a 504 project.
Community Advantage Lenders
 Community Advantage is a pilot initiative aimed at increasing the number of SBA 7(a) lenders who reach underserved communities,
targeting community-based, mission-focused financial institutions which were previously not able to offer SBA loans.
 Maximum Loan Size: $250,000
 Guarantee: 85 percent for loans up to $150,000 and 75 percent for those greater than $150,000.
 Approval Times: Most Community Advantage loans will be approved within 5 to 10 days.
10
3/6/2016
 Paperwork: Community Advantage features streamlined paperwork, with a two-page application for borrowers.
 Lender Requirements: Community Advantage is open to mission-focused lenders, including Community Development Financial
Institutions, SBA’s Certified Development Companies and SBA’s nonprofit microlending intermediaries. Community Advantage
lenders will be expected to maintain at least 60 percent of their SBA loan portfolio in underserved markets.
 Time Frame: Community Advantage is a three-year pilot initiative. SBA will begin taking applications from mission-focused lenders
interested in Community Advantage on February 15, 2011, with their subsequent loan applications being accepted in the weeks that
follow.
 Community Advantage Participant Guide
 Community Advantage Approved Lenders
Intermediary Lending Pilot Program (ILP)
The Small Business Jobs Act of 2010 (Section 1131) established a three year pilot program to provide direct loans to eligible non-profit
intermediaries for the purpose of making small business loans of up to $200,000. SBA is seeking experienced intermediaries to assist
small business concerns in areas suffering from a lack of credit due to poor economic conditions or changes in the financial market.
SBA’s Intermediary Lending Pilot (ILP) Program aims to help business owners start and grow successful enterprises.
The ILP Program anticipates meeting the needs of small business borrowers that face significant gaps in the credit market. ILP will
address current financing gaps such as:
 Limited availability of commercial loans of $200,000 or less
 Borrowers with declining collateral values or lower credit scores due to the economic downturn
 Commercial lenders with less funding available for loans and lower appetites for risk leading to tighter underwriting standards
 Certain populations remaining underserved
SBA’s Intermediary Lending Pilot Program provides:
 Flexible, low-cost capital:
 Intermediaries receive up to $1 million in SBA debt financing, with up to $500,000 available in the first disbursement.
 SBA’s interest rate to the Intermediary is 1% with a 20 year term
 Payments on loan to SBA are delayed until two years after first disbursement
 SBA will not charge any fees to Intermediary
 Intermediary is not required to provide any collateral for ILP loan
 Loans provided by the Intermediary may be:
 Up to $200,000
 Used for working capital, real estate, and the acquisition of materials, supplies and equipment
 Used by borrowers that meet a credit elsewhere test
Who can be an SBA ILPP Intermediary?
 Organizational status:
 Private non-profit organizations (501c status) such as Community Development Financial Institutions (CDFIs), Community







Development Corporations, SBA Certified Development Companies (CDCs), or agencies established by Native American tribal
governments are eligible.
At least one year of lending experience:
Making and servicing loans to startup, newly established or growing small businesses
SBA Microlenders are not eligible to become ILP Intermediaries; however, their affiliates which have been established for at least
one year may be eligible
SBA will run a competition to select the most qualified applicants to become ILP Intermediaries and receive an ILP Loan.
SBA will select 20 ILP Intermediaries through a competitive application process in fiscal year 2011 and another 20 ILP
Intermediaries through a second competitive application round in fiscal year 2012, for a total of 40 ILP Intermediaries.
SBA currently has funding to make ILP loans only in 2011 and 2012. If additional funds are appropriated for the ILP program, SBA
will select another 20 ILP Intermediaries in fiscal year 2013, for a maximum of 60 intermediaries.
Due to limited funds and in order to maximize program effectiveness, organizations will need to demonstrate a proven capacity and
ability during the application selection process
RURAL LENDERS
RURAL Lender
Alliance Bank
Alliance Bank Central Texas
American Bank, N.A.
American Bank, N.A.
11
Address
100 W. Jefferson St.
114 Main
2707 W. Northwest Hwy.
975 Keller Pkwy.
City
Sulphur Springs
Jewett
Dallas
Keller
St
TX
TX
TX
TX
Zip
75482
75846
75220
76248
Phone
877-903-2265
254-741-8002
214-358-3111
817-337-4445
Fax
903-439-6724
254-741-8003
214-352-8577
817-337-1518
3/6/2016
RURAL Lender
Associates First Capital Corp
Beal Bank
Blackwell Investment Co., Inc
Buckholts State Bank
CitiCapital Small Business Finance
Citizens Bank
Citizens National Bank
Citizens National Bank
Citizens Nat’l Bank of Wills Point
Citizens State Bank
City National Bank
Commercial Nat’l Bank of TX
Community Bank
Community Bank of Texas, N.A.
Corsicana National Bank & Trust
Cramer Financial Group, Inc
Fannin Bank
First Bank
First Bank
First Commercial Capital
First Federal Bank Texas
First Financial Bank, N.A.
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank
First National Bank in Graham
First National Bank in Munday
First National Bank of Central
First National Bank of Emory
First National Bank of Jacksboro
First National Bank of Olney
First National Bank Texas
First National Bank-Graford
First Security Bank, N.A.
First Security State Bank – Cranfills Gap
First State Bank Texas
First Texas Bank
Gilmer National Bank
Gladewater National Bank
Graham National Bank
Granger National Bank
Grapeland State Bank
Huntington State Bank
Incommons Bank, N.A.
Independent Bank
Inwood National Bank
Jacksboro National Bank
Justin State Bank
Legend Bank, N.A.
National Bank
Pavillion Bank
Peoples Bank
Preston National Bank
Sanger Bank
Schwertner State Bank
Signature Bank
Spring Hill State Bank
State Bank and Trust Company,
Synergy Bank, SSB
Texas First State Bank
Texas State Bank
12
Address
PO Box 660237
6000 Legacy Dr.
3201 Hill Park Lane
100 N .4th St.
250 E. Carpenter Frwy., Ste. 115
301 E. Main
1320 Loop 304 East
420 Main St.
500 N. Fourth
112 W. Hwy 380
1465 W. 2nd Ave.
5515 Summerhill Rd.
101 Community Blvd.
319 Rusk St.
321 N .15th St.
3214 West Park Row
711 Hwy. 56
316 NW Pkwy.
300 E. 3rd St.
2735 Villa Creek Dr., Ste. 145
1200 S Beckham Ave.
403 N. Main St.
505 Main St.
115 S. Memory Ln.
101 N. Mount
301 E Houston St
124 E Rush St
101 W Main St
201 N Washington
109 S Britton St
105 S Robb
315 N. Main St.
623 Elm St
111 S. Munday Ave.
1835 N. Valley Mills Dr.
107 Quitman St.
201 S. Main
307 W Main
507 N Gray St.
200 Main
1801 Cross Timbers
307 Third St.
309 S Old Betsy Rd.
704 N. Gray
900 N. Wood St.
678 N. Main St.
455 Elm St
201 W. Davilla Ave.
122 Main St.
208 Hwy. 69 South
301 E. Commerce St.
8004 Woodway Dr.
7621 Inwood Rd.
124 E. Belknap
412 S. Hwy. 156
101 Tarrant
905 Main St.
1200 W. Campbell Rd.
35 S Plaza
5644 LBJ Frwy.
501 N. Stemmons
110 Main St.
6757 Arapaho Rd., Ste. 725
3700 Gilmer Hwy.
2517 Midway Rd.
510 N. Valley Mills Dr., Ste. 100
400 S. Hwy 6
120 N Preston
City
Dallas
Plano
Carrollton
Buckholts
Irving
Kilgore
Crockett
Teague
Wills Point
Princeton
Corsicana
Texarkana
Longview
Newton
Corsicana
Arlington
Windom
Azle
Burkburnett
Dallas
Tyler
Cleburne
Byers
Evant
Fairfield
Jasper
Linden
Mount Vernon
Seymour
Tom Bean
Trinity
Winnsboro
Graham
Munday
Waco
Emory
Jacksboro
Olney
Killeen
Graford
Flower Mound
Cranfills Gap
Keene
Killeen
Gilmer
Gladewater
Graham
Granger
Grapeland
Huntington
Mexia
Waco
Dallas
Jacksboro
Justin
Bowie
Gatesville
Richardson
Paris
Dallas
Sanger
Schwertner
Dallas
Longview
Carrollton
Waco
Riesel
Joaquin
St
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
Zip
75266
75024
75007
76518
75062
75662
75835
75860
75169
75407
75110
75503
75601
75966
75110
76013
75492
76020
76354
75234
75701
76033
76357
76525
75840
75951
75563
75457
76380
75489
75862
75494
76450
76371
76710
75440
76458
76374
76541
76449
75028
76637
76059
76541
75644
75647
76450
76530
75844
75949
76667
76712
75209
76458
76247
76230
76528
75080
75460
75240
76266
76573
75248
75604
75006
76710
76682
75954
Phone
800-922-6235
469-467-5000
469-467-5000
254-593-3661
972-652-4000
903-983-0046
936-544-9661
254-739-2558
903-873-4157
972-734-2424
903-872-8333
870-773-4561
903-236-4422
409-379-8587
903-654-4500
817-461-5004
903-623-4755
817-306-1211
940-569-2221
817-556-5000
903-593-1767
817-556-5000
903-756-5573
254-471-5531
254-646-2244
409-384-3486
940-529-6161
254-562-3821
940-888-3113
903-546-6275
936-594-2564
903-342-5275
940-549-2040
940-422-4522
254-772-9330
903-473-2611
940-567-5591
940-564-5516
254-634-2161
940-664-2255
972-539-1849
254-597-2286
817-645-8861
254-634-2132
903-843-5653
903-845-5566
940-549-3434
512-859-2202
936-687-4813
936-422-3000
254-562-3821
254-741-6121
214-358-5281
940-567-5551
940-648-2753
940-872-2221
254-865-2211
972-780-0700
903-785-1000
972-960-6000
940-458-4600
254-527-3987
972-866-9696
903-759-0751
214-987-7400
254-399-0700
254-896-2371
409-269-3121
Fax
469-241-9564
469-241-9564
254-593-3561
972-652-3340
936-546-0514
254-739-5112
903-657-9224
972-736-2478
903-872-6307
903-223-9327
903-36-3522
409-379-4736
903-654-4509
817-588-6477
903-623-3807
817-306-1192
903-756-5790
254-471-3180
254-646-2250
409-384-6389
940-529-6585
254-562-5141
940-888-2002
903-546-6361
936-594-3581
903-342-6978
940-549-4574
940-422-4467
254-772-9340
903-473-3094
940-567-5597
940-564-2748
940-664-5241
972-539-1860
254-597-2426
817-556-0335
254-634-0708
903-843-2938
903-845-4481
512-859-2188
936-687-2519
254-741-0402
214-358-2407
940-567-3592
940-648-2757
940-872-6274
254-865-2618
972-380-0874
903-785-2207
972-726-0857
940-458-4071
254-527-4567
972-866-9705
903-759-8716
254-399-8144
254-896-7012
409-269-3388
3/6/2016
RURAL Lender
The Bank of Vernon
The City Nat’l Bank of Sulpher Springs
The City National Bank of Taylor
The Comanche National Bank
The Farmers State Bank
The First Nat’l Bank of Hughes Springs
The First Nat’l Bank of Throckmorton
The First State Bank
The National Bank of Texas, FW
The State National Bank in West
TIB-The Independent Bankers Bank
Town North Bank, N.A.
Treadstone Group, Inc.
United Texas Bank
Vintage Bank
White Oak State Bank
Wood County National Bank
Address
1918 Pease St.
201 Connally
212 N. Main
100 E. Central
121 S Ellis St
505 E 1st.
210 N. Minter Ave.
500 W. Main
2535 NE 28th.
100 N. Main
350 Phelps Dr.
4455 LBJ Frwy.
717 N. Harwood St., Ste. 2630
12222 Merit Dr., Ste. 100
300 Hwy. 77
1101 S. White Oak Rd.
417 S. Main St.
City
Vernon
Sulphur Springs
Taylor
Comanche
Groesbeck
Hughes Springs
Throckmorton
Hallsville
Fort Worth
West
Irving
Dallas
Dallas
Dallas
Waxahachie
White Oak
Quitman
St
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
Zip
76384
75482
76574
76442
76642
75656
76483
75650
76106
76691
75038
75244
75201
75251
75165
75693
75783
Phone
940-552-9966
903-885-7523
512-671-2265
325-356-2577
254-729-3272
903-639-2521
940-849-2561
903-660-1181
817-625-5511
254-826-3741
972-650-6000
972-391-6800
214-220-1030
972-385-9200
972-935-5200
903-759-3836
903-763-4545
Fax
940-552-7962
903-885-0853
325-356-2752
254-729-3581
903-639-2836
903-660-0002
817-625-5878
866-466-4842
972-391-6725
214-220-2180
972960-2902
972-935-5201
903-297-2054
903-763-2563
PATRIOT EXPRESS LENDERS
PATRIOT EXPRESS
Amegy
BancorpSouth Bank
Bank of America, N.A.
Bank of Texas
Center Bank
Coleman County State Bank
First Financial Bank, N.A.
First International Bank
First Nat’l Bank of Hughes Springs, The
Independent Bank of Texas
JPMorgan Chase Bank N.A.
MetroBank, N.A.
Mutual of Omaha Bank
One World Bank
Opportunity Bank, N.A.
Prosperity Bank
Superior Financial Group
Texas Capital Bank
Titan Bank
Wells Fargo Texas, N.A.
Address
2501 N. Harwood St.Suite 1500
3000 New Boston Road
15303 N. Dallas Parkway
333 W. Campbell Rd.
2727 LBJ Hwy.
4609 Southwest Drive
201 East Main
1912 Avenue K
17045 State Highway 154
4300 North Beltline Road
12875 Josey Lane
275 West Campbell Rd, Ste 111
5950 Sherry Lane, Suite 100
2449 Walnut Hill Lane
1301 E. Campbell Rd.
1862 Rock Prairie Road
165 Lennon Lane, Suite 101
4230 LBJ Frwy., Ste. 100
1701 E. Hubbard Street
1445 Ross Avenue, 23rd Fl.
City
Dallas
Texarkana
Addison
Richardson
Dallas
Abilene
Eastland
Plano
Harleton
Irving
Dallas
Richardson
Dallas
Dallas
Richardson
College Station
Walnut Creek
Dallas
Mineral Wells
Dallas
State
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
CA
TX
TX
TX
Contact
Tyler Pope
David Crenshaw
Jorge Aguilar
Lisa Autry
Jason J. Kim
Reave Scott
David Bailey
John Shaver
Lee Lewis
Jim Kahler
Mark C. Hare
Judith Lee
Cheryl Barnes
Dennis Ortiz
Fredda K. Morgan
Beverly Layne
Jim Beck
Jeff Kocher
Sandy McCarver
Dwight Hilton
Phone
214-754-6105
903-334-7532
469-587-0592
214-575-1928
888-868-8949
325-692-8660
254-629-6139
469-429-2408
903-777-3532
972-506-2936
214-965-4325
972-889-6688
214-257-7559
972-243-7775
469-385-2789
936-825-7030
877-675-0500
972-450-5072
940-325-9821
214-661-1246
Fax
F214-754-6668
F903-831-5791
F312-453-5224
F972-234-8641
F213-427-6080
F325-692-8661
F254-629-6104
F972-422-7144
F903-777-3764
F972-870-9333
F214-451-6332
F972-680-3025
F214-750-0440
F469-916-2508
F469-385-2777
F936-825-7078
F925-296-0510
F972-450-5066
F940-325-3870
F866-494-8918
SMALL LOAN ADVANTAGE &
PREFERRED & CERTIFIED LENDERS
SMALL LOAN ADVANTAGE &
PREFERRED & CERTIFIED
Amegy
American Bank of Texas
American Bank of Texas
American Business Lending, Inc.
American National Bank of TX
American State Bank
Austin Bank, Texas, N.A.
Bank of America, N.A.
Bank of Texas
Bank of the West
Beach Business Bank
Capital One, N.A.
Capital Source Bank
Cathay Bank
CIT Small Business Lending
Citibank, N.A.
13
Address
City
St
Contact
Phone
Fax
2501 N. Harwood St.Suite 1500
6100 Preston Road
2011 Texoma Parkway
1420 W. Mockingbird Ln., Ste. 380
102 West Moore Ave.
Dallas
Frisco
Sherman
Dallas
Terrell
TX
TX
TX
TX
TX
214-754-6105
1300 Santa Fe Drive
2609 Gilmer Road
15303 N. Dallas Parkway
333 W. Campbell Rd.
108 North Northwest Highway
1230 Rosecrans Ave., Ste 100
5793 Gilesburg Drive
5800 Granite Pkwy., Ste. 265
4100 Legacy Dr., Ste. 403
5430 LBJ Frwy., #1200
Weatherford
Longview
Addison
Richardson
Grapevine
Manhattan Beach
Haymarket
Plano
Plano
Dallas
Dallas
TX
TX
TX
TX
TX
CA
VA
TX
TX
TX
TX
Tyler Pope
Melanie Gross
Tim Blalock
Jody Muse
Melissa Walker
Dan Trollinger
David Gary
Kent Bryson, Sr.
Jorge Aguilar
Lisa Autry
Lee Ely
Phil Bond
Susan Streich
John Batt
Sushma Malhotra
Pete O’Hern
Steve LaFredo
F214-754-6668
F972-335-1902
F903-813-5771
F214-580-8661
F214-863-6133
F214-863-6585
F817-594-7827
F903-247-2268
F312-453-5224
F972-234-8641
F817-310-6672
F310-802-2975
F571-222-7309
F214-619-1874
F972-618-7345
F972- 677-1425
F972-419-3589
8401 North Central Expway., Ste. 500
972-335-1900x5514
903-813-5745
214-580-8681
214-863-6605
214-863-6808
817-594-0533
903-981-4400
469-587-0592
214-575-1928
817-310-1903
866-862-3878
804-314-6472
214-619-1885
972-618-2000
972-677-1431
972-419-3344
3/6/2016
PLP
PLP
PLP
PLP-CLP
PLP
PLP
CLP
PLP
PLP
PLP-CLP
PLP
PLP
PLP
PLP
PLP
PLP
SMALL LOAN ADVANTAGE &
PREFERRED & CERTIFIED
Citizens National Bank of Texas
City Bank
Comerica Bank, Texas
Commercial Bank of Texas,N.A.
Community Bank
Community South Bank
Compass Bank (Alabama)
Address
City
St
Contact
Phone
Fax
P.O. Box 717
120 E. Main Street
1508 W. Mockingbird Lane
721 Central Expressway South
1300 S University, Ste. 100
5068 Plano Pkwy., Ste. 300
17218 Preston Road, 2nd Fl.
201 Flint Ridge Road, Suite 201
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
NY
TX
TX
TX
TX
Jennifer McCarty
Jonathan Voight
Rodney Thompson
Kenneth Byrd
P Diann Brewer
Wayne W. Tucker
Rosaline Aguirre Fletcher
Jon Sullivan
Darla Newby
David Bailey
Scott Lindley
Shane Mara
Laurie Ivy
Linda Wileman
972-938-4300
972-564-3921
214-589-1301
817-354-8400
817-426-7003
972-447-8358
972-735-3562
281-282-1406
972-470-4032
254-629-6139
325-673-1885
817-553-2500
972-349-3207
210-220-4893
972-237-0245
972-506-2936
214-965-4325
817-479-1023
972-889-6688
214-257-7559
469-522-4955
212-356-9510
972-934-4700
972-243-7775
469-385-2789
972-732-1989
F972-938-4364
F972-564-3367
F214-589-1411
F817-267-5123
F817-447-8140
F972-447-8359
F972-735-3598
F481-990-8481
F972-470-4019
F254-629-6104
F325-675-5020
F817-553-2510
F972-349-3265
F210-220-4588
F972-264-3609
F972-870-9333
F214-451-6332
F817-605-3120
F972-680-3025
F214-750-0440
F469-522-4952
F212-356-9510
F972-934-4785
F469-916-2508
F469-385-2777
F972-248-7728
PLP
PLP
PLP
PLP-CLP
PLP
PLP
PLP
PLP-CLP
PLP
PLP
PLP
PLP
PLP
PLP
PLP-CLP
PLP
PLP
PLP
PLP
PLP
PLP
PLP
PLP
PLP
PLP
PLP
Ken So
Beverly Layne
Brad W Robison
Cami Kollat
Steve Manley
Julie Fuller-Jones
Phil Stevens
Debra Cheek
Marie Balcazar
Thomas Ort
303-623-8888
936-825-7030
903-237-3519
903-535-4369
903-531-7251
817-298-5543
817-861-3633
817-962-4015
972-562-1400
908-806-6200
325-649-9200
214-932-6793
281-485-7270
817-652-7474
469-398-4823
940-325-9821
214-237-3170
972-485-7258
972-317-9935
972-516-3633
972-419-3678
214-661-1246
972-919-9999
832-375-2641
817-473-5979
F303-623-8505
F936-825-7078
F903-237-3590
F903-535-4251
F903-597-0497
F817-292-6725
F817-861-9282
F817-731-4295
F972-562-1420
F908-237-4787
F325-649-9298
F214-932-6607
F281-485-5677
PLP
PLP
PLP
F214-571-6010
F940-325-3870
F214-237-3197
F972-276-3972
F972-317-4973
F469-467-1035
F972-419-3135
F866-494-8918
F972-919-9988
F832-375-3644
F817-473-5978
PLP
PLP
PLP
PLP
PLP
CLP
PLP
PLP
PLP
PLP
PLP
First Financial Bank, N.A.
First National Bank of Baird
First National Bank Mid-Cities
First Western, SBLC, Inc. (PMC)
Frost National Bank of Austin
Grand Bank of Texas
Independent Bank of Texas
JPMorgan Chase Bank N.A.
Liberty Bank
MetroBank, N.A.
Mutual of Omaha Bank
Nara Bank
Newtek Small Business Finance
Nexbank SSB
One World Bank
Opportunity Bank, N.A.
Plains Capital Bank
201 East Main
244 Market Street
4009 Airport Freeway
17950 Preston Road, Ste. 600
P O Box 1600
2341 S. Beltline Road
4300 North Beltline Road
12875 Josey Lane
860 W. Airport Frwy., Ste. 100
275 West Campbell Rd., Ste. 111
5950 Sherry Lane, Suite 100
3010 LBJ Freeway, Suite 1025
1440 Broadway, 17th Floor
13455 Noel Road, 22nd Floor
2449 Walnut Hill Lane
1301 E. Campbell Rd.
18111 Preston Road, Ste. 110
Waxahachie
Forney
Dallas
Allen
Fort Worth
Plano
Dallas
Webster
Richardson
Eastland
Baird
Bedford
Dallas
San Antonio
Grand Prairie
Irving
Dallas
Hurst
Richardson
Dallas
Dallas
New York
Dallas
Dallas
Richardson
Dallas
Premier Bank
Prosperity Bank
Regions Bank
1630 Stout Street
1862 Rock Prairie Road
213 North Fredonia
Denver
College Station
Longview
CO
TX
TX
Southside Bank
Southwest Securities, FSB
Synergy Bank, SSB
TD Bank, N.A.
Texas Bank
Texas Capital Bank
Texas First Bank Santa Fe
1201 South Beckham
3737 SW Loop 820
1201 Elm Street, Suite 3500
6050 Southwest Blvd., Suite 100
8951 Synergy Drive, Suite 100
PO Box 2480, One Royal Rd.
400 Fisk
4230 LBJ Frwy, Ste. 100
6516 Broadway, Ste. 100
Tyler
Fort Worth
Dallas
Fort Worth
McKinney
Flemington
Brownwood
Dallas
Pearland
TX
TX
TX
TX
TX
NJ
TX
TX
TX
Texas Security Bank
Titan Bank
Triumph Savings Bank, SSB
United Central Bank-Garland
United Community Bank
View Point Bank
Wells Fargo Texas, N.A.
Wells Fargo Texas, N.A.
Wilshire State Bank
Woodforest National Bank
Woodhaven National Bank
1212 Turtle Creek Blvd.
1701 E. Hubbard Street
5220 Spring Valley Road, #160
4555 West Walnut
2100 FM 407
1309 W. 15th Street
5080 Spectrum Dr., Suite 200E
1445 Ross Ave, 23rd Fl.
2237 Royal Lane
8408 Davis Blvd., Ste. 100
1700 E. Broad Street
Dallas
Mineral Wells
Dallas
Garland
Highland Village
Plano
Addison
Dallas
Dallas
N. Richland Hills
Mansfield
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
First Community Bank, N.A.
First Community Bk Central Tx, N.A.
Southwest Bank
Southwest Securities Bank, FSB
1755 N. Collins Blvd., Ste 100
Don Goldsmith-Bill Moser
Jim Kahler
Mark C. Hare
Donna Moon
Judith Lee
Cheryl Barnes
Richard Park
Peter Downs
Grant Smith
Dennis Ortiz
Fredda K. Morgan
Chris Defransico/Andrew
Crawford
Dee Reynolds/Luis Locker
Carlos Munguia
Barry Anderson/ Ken
Petree
John Munk
Sandy McCarver
Joel Shaddox
Syed Waqar
Mary Frosto
Pat Bogard
Rory O’Loughlin
Dwight Hilton
Ian Song-JP Park
Scott Davies-Barrett England
Lance Walker
CLP
PLP-CLP
PLP
PLP-CLP
PLP-CLP
PLP
PLP
PLP
PLP
EXPORT EXPRESS LENDERS &
EXPRESS LENDERS
EXPORT EXPESS LENDERS &
EXPRESS LENDERS
Austin Bank Texas, N.A.
Bank of America, N.A.
Bank of Texas
Bank Texas, N.A.
Bank Texas, N.A.
Capital One, N.A.
Citibank, N.A.
Citizens National Bank of TX
14
Address
City
ST
Zip
Contact
Phone
FAX
2609 Gilmer Road
15303 N. Dallas Parkway
333 W. Campbell Rd.
1825 N. Pacific
Longview
Addison
Richardson
Mineola
Quitman
Haymarket
Dallas
Waxahachie
TX
TX
TX
TX
TX
VA
TX
TX
75604
75001
75080
75773
75783
20169
75044
75168
Kent Bryson, Sr.
Jorge Aguilar
Lisa Autry
Warren R. Brown
Ryan James
Susan Streich
Steve LaFredo
Jennifer McCarty
903-981-4400
469-587-0592
214-575-1928
903-569-8010
903-763-2264
804-314-6472
972-419-3344
972-938-4300
F903-247-2268
F312-453-5224
F972-234-8641
F903-569-5451
F903-763-4911
F571-222-7309
F972-419-3589
F972-938-4364
412 E. Goode St. PO Box 1675
5793 Gilesburg Drive
8401 N. Central Expwy., Ste 500
P.O. Box 717
3/6/2016
EXPORT EXPESS LENDERS &
EXPRESS LENDERS
Coleman County State Bank
Community Bank
Community South Bank
Compass Bank
Fidelity Bank
First Bank
First Bank of Celeste
First Community Bank, N.A.
First Community Bank Central TX, N.A.
First Financial Bank, N.A.
First Financial Bank, N.A.
First National Bank of Hughes Springs
First Nat’l Bank & Trust Co of Weatherford
First National Bank of Baird, The
First National Bank of Evant
First National Bank of Gilmer, The
Frost National Bank, The
Grand Bank of Texas
Independent Bank of Texas
JPMorgan Chase Bank N.A.
Liberty Bank
MetroBank, N.A.
Mutual of Omaha Bank
Nara Bank
Address
City
ST
Zip
Contact
Phone
FAX
4609 Southwest Drive
1300 S University, Ste. 100
5068 Plano Pkwy., Ste. 300
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
NY
TX
TX
TX
79608
76107
Reave Scott
P Diann Brewer
Wayne W. Tucker
75252
76308
76309
75423
75598
75080
76448
76501
75651
76086
79504
76528
75644
76102
75051
75038
75234
76180
75080
75225
75234
76086
10018
75229
75081
75252
Rosaline Aguirre Fletcher
325-692-8660
817-426-7003
972-447-8358
972-735-3562
940-569-9000
940-691-0000
800-594-7881
281-282-1406
972-470-4032
254-629-6139
254-918-6250
903-777-3532
817-598-4940
325-673-1885
254-865-2783
903-843-4100
210-220-4543
972-237-0245
972-506-2936
214-965-4325
817-479-1023
972-889-6688
214-257-7559
469-522-4955
817-598-4940
212-356-9510
972-243-7775
469-385-2789
972-732-1989
F325-692-8661
F817-447-8140
F972-447-8359
F972-735-3598
F940-569-9003
F940-691-9988
F903-568-4149
F481-990-8481
F972-470-4019
F254-629-6104
F254-918-6294
Beverly Layne
Brad W Robison
Cami Kollat
Phil Stevens
Debra Cheek
Kathryn Walker
Jim Kahler
F936-825-7078
F903-237-3590
F903-535-4251
F817-861-9282
F817-731-4295
Lisa King
Christy Hester
Carlos Munguia
John Munk
Sandy McCarver
Chad Gilley
Syed Waqar
Pat Bogard
Rory O’Loughlin
Dwight Hilton
Ian Song-JP Park
936-825-7030
903-237-3519
903-535-4369
817-861-3633
817-962-4015
817-472-1930
972-348-3044
325-649-9200
903-657-1466
903-237-5500
214-932-6793
469-398-4823
940-325-9821
254-968-4125
972-485-7258
972-516-3633
972-419-3678
214-661-1246
972-919-9999
Barrett England
Scott Davies
Gary W. Price
817-503-4220
817-503-4221
817-656-6200
F817-514-9630
Newtek Small Business Finance
One World Bank
Opportunity Bank, N.A.
Plains Capital Bank
1440 Broadway, 17th Floor
2449 Walnut Hill Lane
1301 E. Campbell Rd.
18111 Preston Road, Ste. 110
Abilene
Fort Worth
Plano
Dallas
Wichita Falls
Wichita Falls
Celeste
Webster
Richardson
Eastland
Stephenville
Harleton
Weatherford
Baird
Gatesville
Gilmer
San Antonio
Grand Prairie
Irving
Dallas
Hurst
Richardson
Dallas
Dallas
Weatherford
New York
Dallas
Richardson
Dallas
Prosperity Bank
Regions Bank
1862 Rock Prairie Road
213 North Fredonia
College Station
Longview
TX
TX
77845
75601
Southwest Securities Bank, FSB
Southwest Securities, FSB
Sovereign Bank
Texans Credit Union
Texas Bank
Texas Bank
Texas Bank & Trust Company
Texas Capital Bank, N.A.
Texas Security Bank
Titan Bank
Town & Country Bank
United Central Bank
View Point Bank
Wells Fargo Bank, N.A.
Wells Fargo Bank, N.A.
Wilshire State Bank
1201 Elm Street, Suite 3500
Dallas
Fort Worth
Southlake
Richardson
Brownwood
Henderson
Longview
Dallas
Dallas
Mineral Wells
Stephenville
Garland
Plano
Addison
Dallas
Dallas
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
TX
75270
76109
76092
75085
76801
75653
75606
75244
75207
76068
76401
75042
Woodforest National Bank
8408 Davis Blvd., Ste. 100
TX
76180
Worthington National Bank
4814 Colleyville Blvd., Box 659
North Richland
Hills
Colleyville
TX
76034
National Bank & Trust Co. of Weatherford, The
17218 Preston Road, 2nd Floor
2525 Kell Blvd., Ste. 100
4110 Kell Blvd.
301 North Highway 69
201 Flint Ridge Road, Suite 201
1755 N. Collins Blvd., Ste 100
201 East Main
2201 W. South Loop
17045 State Highway 154
220 Palo Pinto, PO Box 730
244 Market Street
3411 E. Main
201 N. Wood Street
P O Box 1600
2341 S. Beltline Road
4300 N. Beltline Road
12875 Josey Lane
860 W. Airport Frwy., Ste. 100
275 W. Campbell Rd., Ste. 111
5950 Sherry Lane, Suite 100
3010 LBJ Freeway, Suite 11025
220 Palo Pinto, P O Box 730
6050 Southwest Blvd., Suite 100
2438 East Southlake Blvd.
777 E. Campbell Rd., Ste. 650
400 Fisk
1120 Hwy. 79N., PO Box 1990
300 E. Whaley
4230 LBJ Frwy., Ste. 100
1212 Turtle Creek Blvd.
1701 E. Hubbard Street
150 N. Harbin Drive
4555 West Walnut
1309 W. 15th Street
5080 Spectrum Dr., Ste. 200E
1445 Ross Avenue, 23rd Fl.
2237 Royal Lane
75001
75202
75229
Danny Cremeens
Doug Kunkle
Robert Barnard
Jon Sullivan
Darla Newby
David Bailey
Trent Tidwell
Lee Lewis
David Long
Scott Lindley
Chris Bergman
Barry Smith
Linda Wileman
Don Goldsmith-Bill Moser
Jim Kahler
Mark C. Hare
Donna Moon
Judith Lee
Cheryl Barnes
Richard Park
David Long
Peter Downs
Dennis Ortiz
Fredda K. Morgan
Chris Defransico/Andrew
Crawford
Dee Reynolds/Luis Locker
F817-598-4902
F326-675-5020
F903-843-4164
F210-220-4588
F972-264-3609
F972-870-9333
F214-451-6332
F817-605-3120
F972-680-3025
F214-750-0440
F469-522-4952
F817-598-4902
F212-356-9510
F469-916-2508
F469-385-2777
F972-248-7728
F972-348-2370
F325-649-9298
F903-657-3842
F903-237-5544
F214-932-6607
F214-571-6010
F940-325-3870
F254-968-4413
F972-276-3972
F469-467-1035
F972-419-3135
F866-494-8918
F972-919-9988
F817-656-6206
MICROLENDERS
MICROLENDERS
Accion - Dallas
Address
2060 Singleton Rd. Suite 107
City
Dallas TX 75208
BCL of Texas
1322 Record Crossing
Dallas TX 75235
Contact
George Serna
Roscio Rueda
A.R. Ruiz
Phone
888-215-2373 x 1305
888-215-2373 x 1302
214-688-7457
Fax
F214-941-6579
F214-688-7465
COMMUNITY ADVANTAGE LENDERS
COMMUNITY ADVANTAGE
LENDERS
15
Address
City
Contact
Phone
Fax
3/6/2016
Accion - Dallas
BCL of Texas
2060 Singleton Rd.
Suite 107
1322 Record Crossing
Dallas TX 75208
Dallas TX 75235
George Serna
Roscio Rueda
A.R. Ruiz
888-215-2373 x 1305
888-215-2373 x 1302
214-688-7457
F214-941-6579
F214-688-7465
INTERMEDIARY LENDING PILOT PROGRAM
INTERMEDIARY LENDERS
BCL of Texas
Address
1322 Record Crossing
City
Dallas TX 75235
Contact
A.R. Ruiz
Phone
214-688-7457
Fax
F214-688-7465
CERTIFIED DEVELOPMENT COMPANY’S
Certified Development Company
Alliance Lending Corporation
Ark-Tex Regional Development Co
Address
1150 South Frwy., Ste. 215
122 Plaza West, P. O. Box 5307
City
Fort Worth TX
Texarkana TX
Capital Certified Development Corp
Capital Certified Development Corp.
Cen-Tex Certified Development Corp.
Central Texas Certified Development Co
Certified Dev. Corp. of the Southwest
Community Certified Development Corp
Council Finance, Incorporated
Dallas Business Finance Corporation
East Texas Regional Development Co
Wild Basin One, 110 Wild Basin Rd., Ste. 270
8590 Highway 6 North
3702 Loop 322
400 South Zang Blvd., Ste. 1210
3800 Stone Road
Austin TX
Dallas TX
Austin TX
Temple TX
Euless TX
Houston TX
Abilene TX
Dallas TX
Kilgore TX
Greater East Texas Certified Development Corp.
3600 Old Bullard Road, Ste. 403
600 North Central Expway, Ste 600-A
1431 Greenway Dr., Ste. 800
1701 E. 7th St.
Tyler TX
Plano TX
Irving TX
Austin TX
North Texas Certified Development Corp
Texas Certified Development Company
Texas Certified Development Company
16
6611 Hillcrest Ave
2212 South Congress
3000 South 31st. St., Ste. 501
610 S. Industrial Blvd., Ste. 200
Contact
James Stokes Jr.
L.D. Williamson
Richard Powell
Craig Pinkley
Robert Stringer
Rosa Rios Valdez
Van Smith
Susan Daywood
Bill Ebersole
Tom Mann
Charles McElrath
David Cleveland
Luke Kimbrough
John Hart
Webb Cox
A.R. Ruiz
Ernest Perales
Phone
817-871-6444
903-832-2672
Fax
F817-332-6456
903-832-8636
512-327-9229
214-215-7555
512-326-9006
254-899-8546
972-639-6911
713-457-1650
325-672-8544
214-948-7800
903-984-8641
903-984-3989
903-535-9229
972-516-0514
972-910-7404
512-433-1175
800-504-2232
F512-912-9869
F254-899-8333
F972-767-4400
F713-457-0652
F325-675-5214
F214-948-8104
F903-983-1440
F903-535-9232
F972-424-7479
F972-870-4499
800-486-8620
3/6/2016