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Types Of Small Business Loans in Houston

By | Houston Small Business Loans, Texas Commercial Loans

Small business loans in Houston are available in various sizes and forms. These range from just $50,000 up to a maximum of $5 to $5.5 million. And, which is right for you and your situation depends on a number of factors. But, there are several choices, which is why it’s very important to understand the basics of small business loans. So, read on to learn more about SBA loan programs in and around the city of Houston.

While there are numerous kinds of small business loans here in Houston and throughout the Lone Star State, three are among the most common and popular.

Perhaps the most well known and used is the SBA 7(a) loan program, which is for the procurement of commercial real estate, buying business equipment, and working capital.

The SBA 504 loan program is also for purchasing commercial real estate and equipment, like the 7(a) but has a different rate and term. Lastly, the Microloan program is intended for use by nonprofits and home-based businesses.

SBA Loan Requirements

Of course, small business loans do carry qualification parameters. For instance, the company must have less than five hundred employees and earn less than $7.5 million in annual revenue over the past three years. Plus, the net income cannot exceed $5 million after deducting taxes and also not counting carry over losses.

If you need to know more about small business loans in Houston, please visit

Proactivelendinggroup.com for answers.

Small Business Loans in Dallas Texas

By | SBA Loans in Dallas, Texas Commercial Loans

Small business loans in Dallas Texas are available in a number of different structures. The good news is that the federal government has several small business loan programs, there are products for just about every situation. And, since the government doesn’t actually approve or disperse loans (it only sets the guidelines), there are specialty lenders who can work with borrowers in a one on one manner. Read on to learn more about small business loans in Dallas Texas and what you need to know.

Small business loans in Dallas come in numerous forms. They also range widely in amount, term length, and more elements. For instance, some are for niche businesses, while others are for much larger organizations. So, let’s take a look at the most common types of small business loans and those available right here in Dallas Texas:

  1. SBA 7(a) loans. This loan program is designed to fund the purchase of things like commercial real estate, commercial-grade equipment, along with providing organizations with working capital.
  2. SBA 504 loans. Similar to the 7(a) loan program, the SBA 504 loan program likewise provides financing for the acquisition of commercial real estate and business equipment, too.
  3.  SBA microloans. These are for home-based businesses, as well as nonprofits.

For the latest rates and to find custom solutions for commercial funding, just visit Proactivelendinggroup.com or give their professionals a call today. We have small business loans ranging from $50,000 up to $5 million, for organizations with 500 or fewer employees.

Small Business Loans in Austin

By | SBA Loans in Austin, Texas Commercial Loans

Small business loans in Austin and beyond are a great way to either start operation, to expand a company, or even to rescue a commercial enterprise. Often, these are the best source for capital and have several advantages to them for borrowers. Read on to learn more about small business loans in Austin and beyond.

Small business loans in Austin come in many different forms. These range from tens of thousands of dollars to hundreds of thousands, up to millions of dollars. Of course, there are restrictions. But, in general, small business loans are ideal for a number of reasons.

Some of the most common is the SBA 7(a) loan, the SBA 504 loan, the SBA microloan, along with a few others. The SBA 7(a) loan is intended to supply working capital, purchasing commercial real estate, equipment acquisition, and debt refinancing. The SBA 504 loan is for buying commercial grade equipment, as well as the purchase of the commercial property. Meanwhile, the SBA microloan is for nonprofits and home-based businesses.

SBA loans range from tens of thousands of dollars, up to a maximum of $5 million. Interest rates range from approximately 4.7 percent, up to 8 to 10 percent, and even as much as 13 percent. Also, term lengths range from six months up to a few years, and even several years.

If you have questions about any type of small business loan and qualification requirements, just get in touch with Proactivelendinggroup.com today for all the answers.

Small Business Loans in San Antonio

By | SBA Loans in San Antonio

Small business loans in San Antonio are available for a variety of reasons. Whether it’s for a brand new start-up business or to expand an established business or even to rescue or rebuild a struggling business. The good news is that whatever you need, there’s probably a strong chance that you’ll find one that’s a good fit for your business.

First, let’s explain what an SBA loan is and isn’t. These loans aren’t dispersed by the federal government. Instead, the SBA sets the requirements and guidelines for small business loans, while approved lenders — such as traditional banks, credit unions, and specialty providers.

SBA loans are generally more short term rather than the long term. Loan amounts vary widely depending on the type of loan, ranging from tens of thousands of dollars, up to $5 million. As mentioned, SBA loans can offer terms of just a couple to a few years or as many as a decade or even twenty-five years.

As far as interest rates are concerned, SBA loans are usually competitively priced. And, there’s usually some leeway or customization that can be accessed. However, it is important to note that SBA loans generally require collateral, and can also include a personal guarantee. But, another good aspect of SBA loans is the funds are made available in thirty to ninety days from lenders to borrowers.

To learn more about SBA loans, just speak to the experts at Proactivelendinggroup.com, a leading provider of commercial funding in San Antonio and well beyond.

Hard Money Loans in Houston Texas

By | Houston Hard Money Loans

Hard money loans in Houston Texas come in various forms. Fortunately, this type of financing is here and available for real estate investors, for a variety of reasons. For those unfamiliar with hard money loans, these are debt instruments that offer reasonable interest rates, flexible terms, and are ideal for short term projects. Read on to learn more about hard money loans in Houston Texas and throughout the Lone Star State.

Hard money loans in Houston Texas usually come from specialty lenders, including private investment groups. If you’re just coming across the term hard money loan, you’re probably wondering what it is and how it works.

What are Hard Money Loans, Anyway?

The simplest way to describe a hard money loan (also known as an asset-based loan or bridge loan), is a short term arrangement that allows an investor to borrow funds to finance a real estate project. The financing is backed by the real estate asset and most come with six-month term to a year to eighteen months, and even up to five years.

How Do I Get a Hard Money Loan?

Unlike traditional banks, hard money loans in Houston and elsewhere are available through specialty lenders or private investment groups. Because of this, there isn’t bureaucracy involved in the process and therefore, funds arrive in a very short period of time. It also means being able to customize hard money loans for the deal itself, rather than a one size fits all approach.

Hard Money Loans in Dallas Texas

By | San Antonio Hard Money Loans

Hard money loans in Dallas Texas serve as a way to fund real estate acquisitions and improvements, refurbishments, or fix and flip projects. These are popular alternatives to traditional commercial bank loans, which are notoriously difficult to obtain. Read on to learn more about hard money loans in Dallas Texas.

Hard money loans in Dallas Texas are here for real estate investors to fund their projects and offer an alternative to big commercial banks. This is because hard money loans — also known as asset-backed loans, fix and flip loans or bridge loans — are much easier to qualify for and receive. This is due to the fact that hard money loans are given out by specialized lenders and/or private investment groups. That means no red tape. But it also means there are a few key benefits to hard money loans. Here are the biggest advantages of using a hard money loan:

  1. Quick funding. Unlike traditional banks, hard money lenders supply funds in a very fast fashion. This, compared to waiting for weeks to months on end to receive funds through traditional commercial banks. Instead, funds are made available in a very short amount of time.
  2. Flexible terms. Here’s one of the most attractive aspects of hard money loans that real estate investors really like — term flexibility. Because these are short term loans, the payback period can be as little as six months up to five years.
  3. Less commitment. Additionally, the real estate asset serves as collateral, which means there’s less commitment required of the borrower.

Hard Money Loans in San Antonio Texas

By | San Antonio Hard Money Loans

Hard money loans in San Antonio Texas are a great way to finance a short term real estate deal. In fact, hard money loans — also known as asset-backed loans or bridge loans — are probably the best way to fund just about any real estate investment project. This is due to the fact that hard money loans offer key advantages over traditional commercial real estate loans. So, read on to learn more about hard money loans in San Antonio Texas, and beyond.

Hard money loans in San Antonio Texas are a smart avenue for securing financing for a real estate investment, particularly for projects like fix and flip. (These can also be used for multifamily, commercial buildings, and more.) And, these are the perfect way to fund a deal without having to commit personal capital.

What are Hard Money Loans?

Hard money loans serve as an alternative to traditional commercial loans. Instead of going through all the bureaucracy and red tape, these loans do not have as strict requirements. Instead of being offered by traditional banks, hard money or asset-based loans, are obtained through specialty lenders or private investment groups.

How Do Hard Money Loans Work?

Rather than going through a traditional lender, the borrower obtains financing through a specialty source or through a group of private investors. Interest rates are generally competitive and terms range from as little as six months up to a year, even one and a half to two years, and as much as five years. The real estate serves as collateral and the loan is paid off upon completion of the project.

Hard Money Loans in Austin Texas

By | San Antonio Hard Money Loans

Hard money loans in Austin Texas provide a method of obtaining real estate financing, without the need to go through a traditional bank or commercial lender. These types of loans offer a few key benefits, including competitive interest rates, flexible terms, and no need to commit personal capital. Read on to learn more about hard money loans in Austin Texas and what you need to know.

Hard money loans in Austin Texas come through specialty lenders, as well as private investment groups. This means there’s no unnecessary red tape or bureaucracy, and the funding process is substantially faster. All of this, not to mention the fact that the asset acts as collateral, so there’s no undue burden on the borrower.

Key Benefits of Hard Money Loans

If you’re unfamiliar with hard money loans in Austin Texas (or elsewhere in the Lone Star State), it’s important to understand their advantages. Here are the top benefits of hard money loans:

  1. Rapid funding. Unlike traditional lenders, hard money lenders provide access to funds in a very short amount of time.
  2. Competitive interest rates. Although hard money lenders do charge a bit more in interest, the trade-off is worthwhile because there’s more flexibility. And, the interest rate is usually not that much more than traditional commercial financing.
  3. Flexible terms. Instead of lasting for years, hard money loans include terms ranging from as short as six months up to a year or year and a half and two and up to five years.