Texas Market
Texas is the largest business economy in the United States and it's not close. No state income tax attracts relocations from California, New York, and Illinois. The Dallas-Fort Worth metroplex alone has more corporate headquarters than any metro except New York City. Houston is the energy capital of the world AND one of the largest healthcare and manufacturing hubs. Austin's tech boom has made it the fastest-growing business market in the country. San Antonio's military and healthcare infrastructure drives steady commercial demand.
But Texas businesses face unique funding challenges: rapid growth outpaces cash flow, commercial real estate is competitive and moves fast, and seasonal industries (agriculture, tourism, construction in summer heat) need capital bridges. One bank's answer isn't enough in a market this competitive.
Real Results
Real financing scenarios for Texas businesses. Every number is based on actual transactions through our lender network.
$4.2M capital stack for a plastics manufacturer expanding into a new 30,000 sq ft production facility. SBA 504 for the building, equipment line for 3 CNC machines, working capital for the transition. 10% down. Monthly payment $2,800 less than leasing.
$4.2M funded → 10% down → owns the facility
$1.8M for a commercial GC mobilizing for a retail buildout. $900K equipment financing for excavators + $600K working capital for crew and materials + $300K bonding support. Three products, three lenders, one application.
$1.8M capital stack → mobilized in 12 days
$3.1M fleet expansion. 12 new Peterbilt 579s for a dedicated contract. Traditional lender wanted 30% down. Capital stack across two equipment lenders: 10% down. Funded in 16 days.
$3.1M funded → 10% down → 12 trucks on the road
$1.2M dental practice acquisition. New dentist with $300K in student loans. Banks said no. SBA lender evaluated practice revenue — $1.8M/year. 10% down. Funded in 30 days.
$1.2M funded → beat corporate buyer → practice generating $1.8M
$650K for a second restaurant location. Kitchen buildout + equipment + 3 months working capital. SBA 7(a) with 10% down. First location's revenue proved the concept.
$650K funded → 10% down → second location open
$2.5M in oilfield service equipment for a company with $6M in annual profit. 10% down ($250K). Section 179 deducted $2.5M in year one. Tax savings: $925K at 37% rate. Equipment financed, cash preserved, tax bill slashed.
$2.5M equipment → $250K down → $925K tax savings
“We needed $3.1M to expand our fleet before a major contract deadline. Our bank offered $1.2M with 30% down. Basecamp structured the full amount across two lenders at 10% down. Funded in 16 days. We would have lost the contract without them.”
— Fleet owner, San Antonio TX
Get Started
One application — 60 seconds. 70+ lenders compete. Your dedicated specialist presents your best options.
Slide to your average monthly bank deposits.
Estimated Approval Range
Based on 100-150% of monthly revenue
No hard credit pull · No obligation · Estimate only
Industries We Fund
Houston and DFW are top manufacturing hubs. Petrochemical, aerospace, food processing.
🏗️Texas leads the nation in construction spending. Commercial, residential, infrastructure.
🚛I-35 and I-10 corridors make Texas the freight capital of America.
🦷Houston Medical Center is the largest in the world. 450K+ healthcare jobs statewide.
🍽️Texas has 55,000+ restaurants. DFW and Houston are top food markets.
🔧22M+ registered vehicles. Extreme heat = constant maintenance demand.
📦Port of Houston is the #1 US port by foreign tonnage. Distribution hub for the South and Midwest.
⚖️Houston, Dallas, Austin are major legal markets. Energy law, immigration, corporate.
💆Dallas, Houston, Austin are top med spa markets. Rapid growth in aesthetics.
Market Data
| Metro | 2025 CRE Lending Vol | Hottest Sector | Avg Transaction | Vacancy Trend |
|---|---|---|---|---|
| Dallas-Fort Worth | $8.2B | Industrial/logistics | $3.5M | Declining |
| Houston | $7.1B | Industrial/energy | $4.2M | Stable |
| Austin | $4.8B | Multifamily/tech office | $2.8M | Rising (office) |
| San Antonio | $3.1B | Multifamily/medical | $2.1M | Stable |
| Other TX metros | $2.9B | Mixed | $1.5M | Varies |
Texas CRE is moving fast. If you're looking at a commercial property, a building acquisition, or a ground-up development — having your financing pre-structured means you close before the competition.
Structure your Texas financing →By City
City-specific funding guides with local market data, funded scenarios, and lender insights.
Whether you're a growing startup or a multi-million-dollar operation, we match you with the right product and amount.
$10K – $1M
Revenue-based funding for working capital, equipment, and growth. Most fund in 1–3 days.
See What You Qualify For →$1M – $5M
Structured financing with capital stacking. Dedicated commercial specialist. Multiple lenders optimized.
Talk to a Commercial Specialist →$5M – $10M+
Complex transactions. Multi-lender capital stacks. Acquisitions, CRE, fleet buildouts. Dedicated team.
Request a Financing Review →Products
Every product available through our 70+ lender network. Each links to a detailed product page.
Flexible cash to cover operations, payroll, and growth.
Draw funds as needed. Only pay interest on what you use.
Finance or lease equipment with the asset as collateral.
Government-backed loans with competitive rates and long terms.
Get paid today on invoices due in 30–90 days.
Repayments flex with your daily or weekly revenue.
Lump sum with fixed monthly payments over 6 months–10 years.
Advance on future card sales. Fast funding, flexible repayment.
Finance property purchases, renovations, or refinancing.
Funding built for franchise acquisitions and expansions.
Acquire a competitor, buy a practice, expand your portfolio.
Fund large orders before you fulfill them. The PO is the collateral.
Requirements
Most Texas businesses qualify. Here's what you need to get started.
Based on your last 4 months of bank deposits
Minimum time in business for most products
Dedicated business account required
Proof your business is registered
Driver's license or passport
Lenders for every credit profile
FAQ
Texas is the biggest business market in America and our team talks to Texas business owners every single day. From Houston manufacturers who need $4M capital stacks to Austin restaurant owners opening their second location — the common thread is that Texas businesses move fast and they need funding that keeps up.
Here's what I see over and over: a Texas business owner walks into their bank, asks for $2M, and gets offered $600K with a 90-day timeline. That doesn't work when you've got a commercial property under contract or a fleet contract starting next month. That's why we built a system where 70+ lenders compete for your business through one application. Your dedicated specialist structures the right capital stack — whether that's a single product or three lenders working together.
If you're looking at commercial financing in Texas, you should know that the state's $26.1B CRE lending market is one of the most competitive in the country. Having your financing pre-structured before you make an offer is the difference between winning and losing. For manufacturing and construction businesses, capital stacking is how you fund the full project without draining cash reserves. And if you want to see real numbers before you commit, run your scenario through our loan cost calculator first.
— Bobby Friel, Basecamp Funding - Founder
One application. 70+ lenders compete. Your dedicated specialist presents your best options.
No credit impact · No obligation · 60 seconds
