Texas · 70+ Lenders Compete

Business Loans in Texas $250K to $20M+

Texas grows faster than any bank moves — energy, freight, building, and the businesses that run them expanding quicker than a bank's timeline allows. We work with Texas operators every day to fund the growth on its own clock: one application, real lenders, and $1M+ in as little as 48 hours when your file's ready.

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At a glance

One file, $800K

Equipment financing$400K
rigs, trucks, and machines on the books
Working capital$300K
payroll and materials between invoices
Business line$100K
headroom for the unexpected
Funded together$800K

One application, the products that fit — stacked into the full number. A smaller stack runs the same playbook as a $5M one.

Soft-pullpre-qualNo impactto your creditLenderscompeteFundedas little as 48 hoursOneapplication

Texas Market

Texas moves at Texas speed. Your bank still moves at bank speed.

An oilfield-services operator in the Permian staffing up for a contract that starts in three weeks. A Dallas distributor whose freight volume doubled and whose line of credit didn't. A Houston Gulf Coast manufacturer who needs the facility, the equipment, and the working capital all at once or not at all. Texas runs on businesses that grow in bursts — and a bank's timeline is built for businesses that grow slowly, if at all. The mismatch isn't your numbers. It's the clock.

That's the gap we fill — 70+ lenders who underwrite Texas revenue and cash flow first, and move at the speed a growing Texas business actually needs instead of asking it to slow down to the bank's pace.

Capital Stacking

How a Permian Oilfield-Services Operator Stacked to $4.2M — Yard, Equipment, and Payroll

A Midland oilfield-services company landed a multi-rig contract it couldn't service on its current capacity. It needed a bigger yard, more equipment, and the payroll to staff up — all before the first invoice paid out. One bank product would have funded a fraction. The stack funded the whole expansion.

Three products, three lenders, one application — the stack funds the whole growth curve, not a slice of it.

$4.2M funded — here’s the stack

Owner-occupied commercial mortgage$2.4M
buying the larger yard and shop
Equipment line$1.3M
the additional units to service the contract
Working capital$500K
payroll and mobilization before the first invoice
Funded together$4.2M

Each layer underwritten by the lender that prices it best.

Real Results

Funded in Texas

Real financing scenarios for Texas businesses. Every number is based on actual transactions through our lender network.

Manufacturing financing case study — Houston, TX
ManufacturingHouston, TX

$3.6M for a Gulf Coast petrochemical-equipment fabricator — $2.0M owner-occupied mortgage on the fabrication facility, $1.1M equipment line for CNC and welding capacity, $500K working capital for steel inventory on a large order. Three products, one application.

$3.6M
capital stack
3
products
one application
Logistics & Distribution financing case study — Dallas, TX
Logistics & DistributionDallas, TX

$2.3M for a freight and warehousing operator whose volume outgrew its space — owner-occupied mortgage on a larger distribution facility near the I-35 corridor, plus a working-capital line to carry the payroll and fuel of a bigger fleet. Funded once the file was ready.

$2.3M
funded
bigger facility
fleet scaled
Healthcare financing case study — Houston, TX
HealthcareHouston, TX

$1.9M revenue-based capital stack for a multi-site specialty practice near the Texas Medical Center acquiring a retiring physician's group — term loan against existing revenue, equipment financing, and transition working capital. Beat a larger buyer because the file moved faster (see /loans/business-acquisition).

$1.9M
funded
beat the larger buyer
~28 days
Construction financing case study — Austin, TX
ConstructionAustin, TX

$2.7M for a commercial GC riding Austin's build boom — equipment financing for graders and loaders plus a working-capital line to bond and mobilize on jobs faster than the last one paid out.

$2.7M
funded
equipment + bonding
bid bigger
Restaurant financing case study — San Antonio, TX
RestaurantSan Antonio, TX

$850K revenue-based capital stack for a Texas barbecue group opening a fourth location — equipment financing for the smokers and kitchen build-out plus four months of working capital against the existing locations' revenue.

$850K
funded
4th location
funded on existing revenue
Section 179 Tax Strategy financing case study — Midland, TX
Section 179 Tax StrategyMidland, TX

$1.6M in heavy equipment for an oilfield-services operator, financed at 10% down ($160K). Section 179 generally lets equipment like this be written off the year it's placed in service — here, a $1.6M deduction, roughly $592K back at a 37% rate. Far more write-off than they put down, with cash preserved for operations. Your CPA confirms the specifics.

$1.6M
equipment
$160K
down
more write-off than the down payment

What an operator said

We landed a contract that needed a bigger yard, more equipment, and a dozen new hires — and we needed all of it before the contract paid a dollar. Our bank wanted to do one piece and wait. Basecamp put the whole structure together across three lenders, fast enough that we kept the contract.

— Owner, oilfield-services company, Midland TX

Get Started

See What Texas Lenders Will Offer You

One application. Real lenders compete, and a dedicated specialist walks you through the best options for what you're building.

What Happens When You Start

Your funding range appears as you answer
Auto-advances as you go — no extra clicks
No hard inquiry — your credit stays untouched
A real specialist reviews your application — not an algorithm
No obligation — see your range and decide
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History
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Estimate Your Capital Range

Slide to your annual gross revenue. We size capital off your top line — not your credit score.

$500K$10M$150M+

Estimated Capital Range

$1M$1.5M

A conservative range based on 10-15% of annual revenue — many businesses qualify for more with strong receivables or assets behind them. Lenders return real term sheets once they see your file.

60 seconds · No obligation · Estimate only

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Industries We Fund

Top Industries in Texas

The Texas sectors our lenders fund most.

Funding by the Size of the Need

Capital Matched to Where You Are Right Now

One application, multiple lenders — and when your file's ready, $1M+ can fund in as little as 48 hours.

Tier 1

Growing Operators

Funding

$250K to $1M

Working capital, equipment financing, and business lines of credit — approved on revenue and cash flow, not a lien on your home.

Request a Financing Review →
Tier 2

Established Businesses

Funding

$1M to $5M

Capital stacked across multiple lenders — working capital, equipment financing, accounts-receivable lines, and unsecured business credit. Each piece priced by the specialist who underwrites it best, mapped by a dedicated commercial advisor.

Structure Your Capital Plan →
Tier 3

Commercial & Complex

Funding

$5M to $20M+

Business and practice acquisitions, fleet and heavy-equipment financing, asset-based and inventory lines, owner-occupied commercial real estate — multi-lender capital stacks to $20M+, structured to fund in days, not the months a bank takes.

See Your Capital Architecture →

Funding Products

One File. Every Way to Fund the Business.

Working capital, equipment, real estate, acquisitions, and structured debt — matched to the lenders who price each one best.

Working Capital

Unsecured working capital approved on revenue and cash flow — funded in days for payroll, inventory, and expansion.

Business Line of Credit

A revolving line of credit you draw from as needed — pay interest only on what you use.

Equipment Financing

Financing for machinery, vehicles, and heavy equipment — low down payment, funded in days.

Term Loans

Business term loans with predictable payments — built for expansion and major capital projects.

Accounts Receivable Financing

Accounts-receivable financing and invoice factoring — turn unpaid invoices into working capital fast.

Purchase Order Financing

Purchase-order financing to fulfill large orders — pay suppliers without tying up your cash.

Revenue-Based Financing

Revenue-based financing sized to your sales, with payments that move with your revenue.

Early Stage Growth Capital

Capital for operators 6+ months in — underwritten on four months of bank statements, not two years of tax returns.

Commercial Real Estate

Owner-occupied commercial real estate financing — purchase, refinance, and expansion.

Business Acquisition

Acquisition financing for business and practice purchases, partner buyouts, and expansions.

Franchise Financing

Franchise financing for new units and multi-unit growth — approved on revenue, not just credit.

Asset-Based Lending

Asset-based lending secured by receivables, inventory, and equipment — a borrowing base that grows as your business does.

Middle Market / Structured Debt

Middle-market and structured debt for buyouts, recapitalizations, and growth capital.

Underwriting

What Underwriting Looks At

Funding here leads with what your business actually does — your revenue and cash flow. The specialist desk reads the real picture from your statements, then matches it to the lenders most likely to fund it.

Revenue-first

sized off your top line, not just your balance sheet.

Cash-flow driven

your bank statements show how the business really runs.

Bank-statement underwriting

even a down year is read off 4 months of statements.

Story-driven

a big new contract, a seasonal swing, a turnaround in progress: context the raw numbers miss counts too.

Qualification

What It Takes to Qualify — at Every Size

What a lender needs scales with the size of the structure. A $250K working-capital line reads off a few months of bank statements; a $10M capital stack gets underwritten like the serious commercial credit it is. Here's the honest line at each level — and the desk will tell you straight where your file lands.

Growing

$250K–$1M

Established

$1M–$5M

Commercial

$5M–$20M+

Time in business

6+ months, steady revenue

2+ years preferred

Established track record

What you bring

4 months of bank statements

Statements + business financials

Financials, returns, use-of-funds

Drives approval

Revenue & cash flow

Cash flow + documented use

Debt-service coverage + cash flow

Credit

Ideally 600+

Ideally 600+

Ideally 600+

The story

A real contract or growth reason

A clear case for the capital

Holds up to an underwriter

Growing

$250K–$1M

Time in business

6+ months, steady revenue

What you bring

4 months of bank statements

Drives approval

Revenue & cash flow

Credit

Ideally 600+

The story

A real contract or growth reason

Established

$1M–$5M

Time in business

2+ years preferred

What you bring

Statements + business financials

Drives approval

Cash flow + documented use

Credit

Ideally 600+

The story

A clear case for the capital

Commercial

$5M–$20M+

Time in business

Established track record

What you bring

Financials, returns, use-of-funds

Drives approval

Debt-service coverage + cash flow

Credit

Ideally 600+

The story

Holds up to an underwriter

Time in business is a factor, not a gate — newer operators with strong revenue still qualify. What stalls a file at any size: sustained losses with no turnaround story, no clear use of funds, or undisclosed stacking — most of it fixable in a quarter, and the desk tells you straight which gaps to fix first.

FAQ

Texas Business Loans — Questions

6+ months in business, a business checking account, and consistent monthly revenue. We pull a soft credit check that won't affect your score. Revenue and cash flow drive approval — your credit score is one factor, not the only one. Strong business performance matters most.

When the file's ready, working-capital and revenue-based products can fund $1M+ in as little as 48 hours. Equipment financing typically runs about one to two weeks. Commercial real estate runs longer — we do it, it's just not the 48-hour lane. The single biggest factor in speed is how ready your documentation is.

Yes — it's one of the markets we see most. Oilfield services, equipment, hauling, and fabrication carry real assets and revenue that lenders underwrite well, and capital stacking fits the boom-and-build pattern these operators run on. Equipment financing, working capital, and owner-occupied real estate stack into the full number.

No fixed minimum. Lenders evaluate the full business profile — monthly deposits, time in business, industry, and cash flow — over personal credit alone. Some products reach operators scoring as low as 500.

Every legal industry. Our strongest Texas verticals include energy and oilfield services, logistics, manufacturing, construction, healthcare, restaurants, auto repair, wholesale, and attorneys — from Permian operators to Houston medical groups.

We structure CRE financing from $500K to $20M+ — conventional commercial mortgages, bridge loans, and construction financing. Texas industrial, distribution, and Gulf Coast markets are especially active and lenders compete hard here.

A Texas bank gives you one option — their own. You apply, wait weeks, and get a single answer. Through Basecamp, lenders compete for your business at the same time. One application, multiple offers, and a dedicated specialist who structures the capital stack that fits your situation.

From the Founder

Texas Business Lending — From a Specialist Who Works With Texas Operators Every Day

Texas is one of the largest and fastest-growing business economies in the country, and our team works with Texas operators every day. From Permian oilfield-services companies staffing up for a contract to Houston manufacturers expanding on the Gulf Coast, the pattern is the same: Texas businesses grow in bursts, and they need capital that moves at the speed of the opportunity, not the speed of a bank.

Here's what we see constantly — an operator lands a contract or an expansion that needs the facility, the equipment, and the payroll all at once. The bank offers to fund one piece and wait on the rest. That's not a financing solution, it's a reason to turn the opportunity down. Through Basecamp, real lenders compete through one application, and a dedicated specialist builds the full stack: an owner-occupied mortgage for the facility, equipment financing for the machines, working capital for the ramp. Three lenders, priced to fit, funded in a fraction of a bank's timeline.

If you're looking at commercial financing in Texas, the distribution and industrial corridors along I-35 and the Gulf Coast are among the most active in the country — demand high, transactions moving fast. For manufacturing and energy operators, capital stacking is how you fund the whole expansion without draining reserves. Run your numbers through our commercial funding calculator before you commit.

Texas commercial lending runs at scale. We structure transactions across the state's major markets — Houston, Dallas–Fort Worth, San Antonio, Austin, and the Permian Basin — where energy, logistics, and advanced manufacturing create one of the deepest commercial financing pipelines in the country.

Bobby Friel, Basecamp Funding Founder

Bobby Friel

Founder · 20+ years in banking and finance

Bobby Friel, Founder of Basecamp Funding

One Last Question

Texas Businesses Don’t Wait. Neither Should Your Financing.

One application. 70+ lenders compete. Your dedicated specialist presents your best options.

See What You Qualify For

Soft-pull pre-qual · No obligation · 60 seconds