SBA Loans and EXIM Working Capital Loans
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Financing Opportunities for your Small Business
SBA Loans | Third Coast Bank | Humble, TX - Houston, TX
We offer SBA Loans for business acquisitions, partner buyouts, startups, equipment and machinery, real estate, and more. Do you qualify for SBA financing?
SBA 7(a) Loan Program
7(a) Loans are used to finance permanent working capital, equipment, land and building, business acquisitions, and start-up businesses.
The Bank funds the entire loan with 75% guaranty of the SBA on loans over $150,000. The maximum loan size is $5,000,000. Borrower pays a guaranty fee to the SBA on the 75% guaranteed portion of the loan which can be included in the financing.
Up to 10 year term without real estate and up to 25 year term with real estate.
Reasons to use SBA 7(a) Loans
- Business Acquisitions (Franchise or non-franchise)
- Partner Buyouts
- Start-up Business
- Equipment and Machinery Financing
- Real Estate - up to 25 years
- Debt Refinance - longer terms to improve cash flow
- Long Term Working Capital - secured by inventory and accounts receivable
- Working Capital Lines of Credit (WCP)
SBA 7(a) Special Promotion for Veterans
Third Coast Bank will reduce the cost of our internally prepared SBA loan package for Veteran Business Owners from $2,500 to $1,500. This represents a closing cost savings of $1,000!
SBA 7(a) Loan Application
SBA Loan Application 2025
SBA 504 Loan Program
504 Loans are used to buy or renovate real estate and may include some equipment.
The Bank partners with a Community Development Corporation (CDC) to provide financing. The portion of funds provided by the CDC are provided at a 20 or 25 year rate.
Reasons to use SBA 504 Loans
- Real Estate
- Heavy Equipment
SBA 504 Loan
Click here to access our 504 Loan Application
SBA 504 Loan Application 2025
Export-Import Working Capital Loan Guaranty Program
We offer EXIM working Capital loans to small businesses such as manufacturers, wholesalers/distributers and service companies that want to expand into the international markets.
The Bank funds working capital loans of $1,000,000 up to $10,000,000 with 90% guaranty of the EXIM Federal Bank to support the growth of U.S. exports. Terms are annually and can go up to 5 years depending on the type of line of credit.
Reasons to use the EXIM WCLG
- Increased sales/profits
- Expands collateral base by using export-related inventory and export-related account receivables to borrow working capital
EXIM WCLG Checklist
EXIM WCLG Application