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One of the greatest threats facing a business of any size is a cash-flow problem. For small businesses in Houston, especially those with a short trading history the challenge can become even more accentuated. Most financial organizations are ultra conservative and have strict criteria that all must be met in order for a loan to be considered.

 

 

Most companies require a minimum of 2 full years trading accompanied by solid financial statements and filed tax returns. The lack of access to cash is one of the main reasons small businesses fail so often in the first few years of trading.  It is well-known that most businesses do not turn a profit for 3-5 years and yet there are precious few options for entrepreneurs when it comes to accessing the finance they need.

 

GET LOAN OFFER IN MINUTES!

Houston Start Up Business Loans is able to help you!

Our program is accessible to business owners who have as little as 3 months business bank statements.  Call us today or fill out the form on this page to arrange a FREE consultation with one of our loan advisors.

We know that you have either been through many application processes only to be declined or you this will be in your future if you approach the majority of lenders. Our aim is to offer you a deal that makes sense within hours of your application. The loan process is fast and easy and will allow you to get back to running your business and save you many fruitless hours with lenders who promise but are unable to deliver.

No need to ask friends or family

"Houston Business Loans came to my rescue and allowed me to extend my customer base."

                                   Martin Hernandez

                                       Blooms and Blooms

No begging your local bank for a loan

Save hours searching online

Our interest rates are competitive however the interest rate you will be offered will naturally be slightly higher than you would expect if you had a business with years of excellent financial data but our programs are flexible to allow for under-payments and over-payments to suit your business needs.  We ask for a personal guarantee as a condition of writing the loan.

We require a minimum personal credit score of 500 and you will need to demonstrate some past experience in the industry or closely related business activity in order to qualify for our start up business loan program in Houston.

Finding an investor is an alternative to securing a business loan however the cost is often prohibitive. Depending on the size of investment and the strength of your business you will likely find investors wanting more than 50% equity in your business (which gives them more control and reduces your ability to make key decisions for your own business). Some investors with skills could be an asset to help your business to the next level, but be wary of losing out and essentially selling yourself into a job,  after-all starting your business in Houston is likely the reason you are an entrepreneur and not working a 9-5 for somebody else.

"James stepped in and made the process seamless. We had our loan approved and funded within a week."

                               Ian & Chelsea Franks

                                    Houston Gadgets

We are here to help fund your small business loan to grow your business.

Why arrange your business finance with us?

Of the hundreds of loan companies and banks that will accept applications from just about anybody, very few are able to offer business loans for new business owners. Typically applicants spend many hours researching, compiling their financials and filling out the necessary loan applications only to be denied further down the line.

We offer a completely different solution with our flexible business loan options. We will tell you within hours whether or not you are approved for the loan. It really is that simple. As long as your application passes certain criteria (discussed above) then you are guaranteed to be eligible for a small business loan. Our Small business loans have an approval rate of 70% which compares favorably with a recently published rate by the SBA for traditional loan offers of only 10%.

Our goal is to provide you with a fast, efficient service with choices to suit your circumstances and a loan that makes sense to you. No matter if you are looking for a start up loan or and acquisition loan we have literally hundreds of programs to select from which is why we are confident of being able to match your business with a lender that will work WITH you.

Call us today for more information or Click Here to start your small business loan application.

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"I am proud to carry on my father's legacy.  Houston Business Loans made it possible for me to keep the music alive. Thank you."

             Bert Collins

                 Houston, Texas

"My shop is my second home, somewhere I serve my community doing what I love. Without Houston Business Loans, I would never have chased my dream."

              Anne Berkle

                 Houston, Texas