If you are planning on applying for a small business loan and your business is based in Houston, Texas, we've assembled a list of local small business banks that you should contact.
As a prerequisite to reaching out to banks to get a bank loan, you will need to develop the specifics of your loan request.
You need to be able to clearly explain your business, explain how much you want to borrow, describe what the money will finance, and show how you plan to pay the loan back to the bank.
A well-defined business plan is is critically important. If the money is to for a going concern, you should also have financial statements covering the last three years. Bankers will also want to know what collateral you have available to secure the loan. Collateral is relevant because banks always
want to be prepared for a worst-case scenario in which cash flow from the business does not meet your projections.
If the business has few assets, you will likely be asked to pledge your personal assets, such as your individual retirement account or pension plan. The banks will check on your personal credit history in any case, so hopefully you have good credit history
-- you may want to get a copy of your credit history prior to
meeting with the banker.
Many of the banks in our list participate in the financial assistance programs available through the SBA. Before meeting with the banker, you may want to read up on on SBA loans programs to see if you qualify. SBA 7(a) loans, SBA 504 loans and SBA disaster assistance loans may be available to you.
Without further adieu, here's our list of small business banks in Houston.
| Small Business Bank |
Recent SBA Loans |
| 1st Choice Bank |
37 |
| A T M Link Inc |
|
| AAA ATM Inc |
|
| ABN AMRO Bank NV |
|
| Absolute ATM Services Inc |
|
| Access ATM |
|
| Access Cash International |
|
| Aclaro Softworks |
|
| Advance Designs |
|
| Aims ATM |
|
| All Type Mortgage |
|
| Allied Mortgage |
|
| Amegy Bank Natl Assoc |
1 |
| Amegy Bank of Texas |
|
| Amegy Bk Natl Assoc |
150 |
| American Bank |
|
| American Deposit Services Inc |
|
| American First National Bank |
|
| American Habilitation Services Inc |
|
| Aquila Bancorporation Inc |
|
| ATM Services |
|
| Banc Of America Investment Services- Inc |
|
| Banco Popular N A |
|
| Banco Popular North America |
29 |
| Bancomercio de El Salvador |
|
| Bancshares Leasing Inc |
|
| Bank - Texas Natl Assoc |
7 |
| Bank Of America |
|
| Bank Of Houston |
1 |
| Bank of Scotland |
|
| Bank of Texas Mortgage Group |
|
| Bank of Texas NA |
|
| Bank of Tokyo-Mitsubishi Limited |
|
| Bank One |
|
| Bantek West Inc |
|
| BEAL Bank |
|
| Benchmark Equities |
|
| Bluebonnet Savings Bank |
|
| BNP Paribas Houston Agency |
|
| Bochicchio- Daniel J |
|
| Bokf Equipment Financing Inc AFD WTH BNK of TXS NA |
|
| Brister- Garry E |
|
| Bullard- Jerry F |
|
| Capital Bank |
5 |
| Capital One Natl Assoc |
4 |
| Central Bank Houston Texas |
|
| Central Bank of Houston |
|
| Chasewood Bank |
|
| Cherry- Susan J |
|
| Chevrontexaco Credit Union |
|
| Citibank Texas |
|
| Citigroup |
|
| City Cuts |
|
| Citywide Financial Services- Inc. |
|
| Comerica Bank |
617 |
| Comerica Leasing Corporation |
|
| Commercebank N A |
|
| Community State Bank |
|
| Compass Bank |
|
| Enterprise Bank |
6 |
| First International Bank |
1 |
| Franklin Bank S.s.b. |
27 |
| Golden Bank Natl Assoc |
4 |
| Houston Commun Bank Natl Assoc |
2 |
| Independence Bank Natl Assoc |
3 |
| Jpmorgan Chase Bank Natl Assoc |
24,412 |
| Lone Star Bank |
7 |
| Mercantil Commercebank Natl As |
5 |
| Metrobank Natl Assoc |
392 |
| Omnibank, National Association |
109 |
| Patriot Bank |
1 |
| Prosperity Bank |
17 |
| Regions Bank |
1 |
| Small Bus. Loan Source LLC |
634 |
| Southwestern National Bank |
7 |
| Sterling Bancshares, Inc. |
4 |
| Sterling Bank |
401 |
| Texas One Community Cu |
1 |
| Texas State Bank |
2 |
| The Frost National Bank |
9 |
| Trustmark National Bank |
91 |
| United Central Bank |
73 |
| Unity National Bank Of Houston |
5 |
| Wachovia Bank Natl Assoc |
1 |
| Wallis State Bank |
4 |
| Washington Mutual Bank |
21 |
| Wells Fargo Bank Natl Assoc |
29 |
| Whitney National Bank |
1 |
| Woodforest National Bank |
345 |
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