All our branches will be closed for Martin Luther King, Jr. Day on Monday, January 20, 2020. We will resume regular business hours on Tuesday, January 21, 2020.

Todas nuestras sucursales permanecerán cerradas el Lunes 20 de enero del 2020 por el dia de "Martin Luther King, Jr.". Retomaremos el horario habitual el próximo martes 21 de enero del 2020.

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Vantage Bank Texas is a proud SBA Preferred Lender

A SBA loan with Vantage Bank Texas may be exactly what you are looking for. Contact our SBA loan professionals to learn about the different SBA programs available.

SBA 7(a)

A SBA 7(a) loan is great for business expansion, building renovation, leasehold improvements, new construction, purchase of a building, purchase of equipment, working capital, and debt consolidation. It boasts a maximum loan amount of $5,000,000 and has a maximum term and amortization of 25 years.

SBA 504

A SBA 504 loan offers interest rates that are set for the term of the loan and may require lower equity. This loan is ideal for acquisitions, expansions, and refinance.

SBA Express

A SBA Express loan offers a quick turnaround and streamlined process, while offering a maximum loan amount of $350,000. This loan is ideal for leasehold improvements, purchase of a building, purchase of equipment, and working capital.

Terms & Requirements

  • 20 to 25 years for real estate loans; 10 years for furniture, fixtures, equipment, and working capital loans.
  • It must match the term offered, which will help with lower loan payments every month as there is no balloon payment.
Interest Rate
  • Based on Wall Street Journal Prime rate, variable, adjusting every quarter

Equity Injection

  • Between 10% to 20%
  • $2,500 flat packaging fee and a SBA guaranty fee based on loan amount.
Closing Costs
  • The costs can be included in the loan.

​General Requirements

  • Operate for profit
  • At least 51% owner occupied
  • Be small, as defined by SBA
  • Be engaged in, or propose to do business in, the United States or its possessions
  • Have reasonable invested equity
  • Use alternative financial resources, including personal assets, before seeking financial assistance
  • Be able to demonstrate a need for the loan proceeds
  • Not be delinquent on any existing debt obligations to the U.S. government and have a satisfactory credit history
  • Existing business needs 2 full years of business history
  • Personal guarantees are required from all owners of 20 percent or more of the equity of the business.
  • 3 most recent years of business and personal tax returns (Borrower and Guarantors)
  • 3 most recent years of business financial statements & Interim business financial statements
  • Current Personal Financial Statements. Download a personal financial statement template here.
  • Current debt summary schedule for business and guarantor

Contact our SBA loan professionals to learn more about the different SBA programs available.