Business Development Services

• FREE Business Financial Analysis
• FREE Business Assistance and Counseling
• FREE Business Loan Structuring
• FREE Business Loan Underwriting
• FREE Referrals to Other Lenders
• FREE use of our conference room, copier, fax, phone when in Austin or Dallas on business
• FREE notary public for new & existing customers
• FREE Mentor Relationship Development

We have a 100% loan approval rate and have facilitated over $200,000,000 in business loans.

SBA Lending Programs

SBA 504 Commercial Real Estate Loans – Go to www.takethe504.com to learn more about the SBA 504 program and our success stories.

This SBA loan program is primarily for commercial real estate. Loans up to $10,000,000. The advantages are up to 90% financing, long term, fixed interest rates.

The facility must be owner-operated. A typical 504 loan is made in conjunction with a local lender. The established business contributes 10% equity, BCL/SBA 40% and a lender 50%. The bank has a first lien on the assets. The BCL/SBA loan is subordinate to the bank loan. A 504 loan can be used for to purchase land and improvements, grading, street improvements, utilities, parking lots and landscaping; construction of new facilities, or modernizing, renovating or converting existing facilities; or purchasing long-term machinery and equipment. All professional fees such as engineering, architectural work, appraisals, fees related to the loan can be added to the project cost.

Loan proceeds cannot be used for working capital, inventory, consolidating or repaying debt, or refinancing.

Start up businesses or special purpose facilities (restaurants, hotels, etc.) will require 15 to 20% equity. Franchise Businesses with Real Estate must be on the approved SBA franchise list.

SBA 7(a) Loan Guarantee – this a bank loan with a guarantee from the U.S. Small Business Administration. Loans up to $2,000,000. The BCL staff will underwrite your loan, help select your lender, and package your loan. Business must pay an annual guarantee fee to the SBA for the term of the loan.

SBA Micro Lending - BCL of Texas received designation as an Intermediary Lender through SBA Microloan Program. We will assist North Texas existing businesses on an expansion growth needing small amounts of financial assistance integrated with technical assistance for loan amounts under $35,000.00. BCL's SBA Microloan is for exhisting businesses.

The following are the North Texas counties, along I-35 that will be serviced under the SBA Microloan Program: Bell, Bosque, Burnet, Coryell, Dallas, Ellis, Falls, Hill, Johnson, McLennan, Milan and Tarrant, from (Marble Falls to Denton).

SBA Patriot Express Loans Loans – BCL's loan officers work in conjunction with local bank partners to provide access to SBA Patriot Express Loans. The Patriot Express loan can be used for most business purposes, including start-up, expansion, equipment purchases, working capital, inventory or business-occupied real-estate purchases. A Veteran or spouse of a veteran must be 51% owner of the business.

BCL's Commercial Lending Programs

BCL's Business Capital Program – loans from $50,000 to $250,000. Machinery, Equipment, Real Estate, Accounts Receivable, Working Capital, Refinance, and Inventory. Up to 90% financing, maximum term 10 years. Loan rates vary per transaction. Collateral must be equal to the loan amount. Personal guarantees for each principal with a 20% or more business ownership. Credit Report will be ordered prior to a loan application. BCL loan may be subordinate to a financial institution.

Contact our Director of Lending or Commercial Loan Officers at

1-888-718-0180 for more information on the SBA 504, BCL Business Capital, and other SBA Loan Guarantee programs

Community Micro Loans – available through partner communities: Brady, Cuero, Hempstead, Luling. Loans are for 5 years, require 10% equity, begin at $5,000 and cannot exceed $25,000.

Rural communities committed to local business development are invited to engaged BCL to set up and the administer their local micro loan funds. BCL staff can help develop local lending policies and procedures to secure state matching funds for the micro loan pool. Once the loan pool is capitalized, our loan officers underwrite, process and service the loan portfolio for each participating micro enterprise partner community. The BCL micro loan portfolio exceeds $1,000,000.

To inquire about becoming a micro loan partner community contact:

Chris Robles at 1-888-385-1975

Community Facility Loans – from $250,000 to $2,000,000. Real Estate loans – Single Family Construction of “affordably priced” homes, Permanent Financing for existing rural area Multi-family properties. Loans for Community Facilities that provide community wide programs and services or facilities that revitalize the community. Industrial park loans qualify. Projects must have community support and commitment. Must have adequate cash flow for debt service. Strong management and operating history. Loan terms and rates vary per transaction.

Community Development Programs

Texans for Rural Entrepreneurship & Education (TREE) - is a collaborative partnership involving eight established nonprofit 501(c)(3) multi-county business and community development organizations seek to foster rural entrepreneurship in 42 counties in South Texas. 

Go to the our program website for more information www.treepartners.org

Home of Our Own - Our BCL housing professional teach homebuyer education in English and Spanish in Central Texas, Dallas/Fort Worth Metroplex and San Antonio, Texas. Since 2000 we helped over 4500 families achieve homeownership through our homebuyer education classes.

Home Retention Solutions - Our homeownership specialists also provide FREE Foreclosure Loss Mitigation & Counseling to families through the state of Texas who have fallen behind on their mortgage.  Through our loss mitigation program we can find options and solutions to help families try to save their home.

Go to our new Homeownership Center website for more information www.bclhomeownershipcenter.org