Businesses grow with access to credit.We make it easy for you to expand your business with our financial options.
Receive a loan decision in as little as 48 hours.
Flexible repayment terms.
Competitive fixed and variable interest rates.
Auto-debit discounts available on interest rates.
Business Lines of Credit
Amegy Bank offers multiple business lines of credit as a convenient and flexible way to finance your business needs. Whether for short- or long-term business needs, you can draw funds whenever you need them, and then repay them on a revolving basis.
Our open-ended line of credit is hassle free
no need to apply each year.
Interest-only payments keep your cash flow moving.
Secured and unsecured lines are available.
Business Term Loans
For businesses that have a long-term financing need or a one-time expense.
Can be used to finance equipment, automobiles, furniture, etc.
Flexible repayment terms up to five years.
Equipment Leasing
Leasing equipment for your business can give you several advantages: fixed rates, flexibility, and tax benefits. From computers to forklifts, we can provide a lease financing option that works best for you.
Small Business Administrative Loans
We have a keen eye for recognizing up and coming businesses.
Preferred SBA Lender, the highest designation awarded by the SBA.
Experienced, responsive SBA team that will personally handle the request from start to finish.
Local underwriting, closing and funding which means quicker turnaround.
Flexibility – we make it happen.
Why SBA?
Longer repayment terms available with no balloon payments – up to 25-year note and amortization on real estate.
Less money down – as little as 10% down.
Lower debt service coverage requirements – startups and young companies are eligible.
No prepayment penalties on loans less than 15 years.
Less restrictive collateral parameters – we are “cash flow” lenders.
Less financial reporting requirements.
Less restrictive loan agreement covenants.
Competitive interest rates.
What can the money be used for?
Purchase, construction or expansion of owner-occupied real estate.
Purchase of machinery, equipment, furniture, fixtures and leasehold improvements.
Business acquisition or partner buy-outs.
Debt refinancing.
What are some of the qualifying guidelines?
Owner-operated, owner-managed businesses.
Debt service coverage of at least 1.25x.
Management and/or industry experience.
Good personal credit.
Loan size of $100,000 to $2 million.
($4 million+ on real estate secured loans.)
Minimum cash injection of 10% on real estate purchases and/or 20% on startups or business acquisitions.
Must be a “for profit” business.
An Easy Way To Apply For a Loan
Visit any of our banking center locations.As a business owner you’ll be assigned a Relationship Advisor who will personally help you with all your banking needs.
