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-term or long-term business needs, you can draw funds whenever you need them and then repay them on a revolving basis. 

• Open-Ended - No need to apply each year.
• Payments - Interest only or variable monthly payments available, depending on line type.
• Collateral - Secured or unsecured options available.
• Overdraft Protection - Link your business checking account to your line*.
• Loan Closing - Expedited loan closing process available*.
• Advances - Multiple advance options available for your convenience.

*Not available on all lines of credit.

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.