We are small business lending experts! 
Houston Business Banking Services for Growing Companies
Business owners often ask what sets our business banking services apart in a competitive market like Houston, TX. At Plains State Bank, we provide customized solutions that support expansion without complexity. Our experienced Texas bankers are committed to local growth, and we prioritize your success through our innovative commercial banking options.
Contact us today to discuss Houston business banking tailored to your needs.
Plains State Bank offers a wide variety of business banking products and services at very competitive prices so you can customize to your specific business needs. Just click on the business product or service to learn more.
FAQ: Houston Business Banking
What Makes Plains State Bank a Top Choice for Commercial Banking?
We stand out by focusing on small businesses and offering personalized guidance from experienced Texas bankers headquartered in Humble, TX. Our six banking centers across the Greater Houston area ensure convenient access for your commercial banking needs. Unlike larger institutions, we foster deep community relationships to deliver financing innovation and advanced technology.
How Do Your Business Loans Differ From Traditional Lenders?
Our business loans feature highly competitive rates, flexible terms, and loan amounts ranging from $75,000 to $15,000,000, making them ideal for expansion projects.
As SBA preferred lenders, we can streamline approvals for qualified Houston businesses, often faster than national banks. We emphasize custom-tailored solutions, such as equipment financing or real estate loans, to match your cash flow:
- Flexible repayment schedules to align with seasonal revenues
- Local decision-making for quicker processing
- No unnecessary fees for early payoff
What Advantages Do Your Business Bank Accounts Offer for Daily Operations?
Our business bank accounts integrate seamlessly with treasury management and merchant services, enabling cashless businesses to process credit card transactions efficiently. We provide 24/7 mobile banking via the PSB Simple Business Banking app for transfers, deposits, and bill pay. This setup reduces overhead for Houston business banking users handling high transaction volumes.
Can You Explain Your Role as an SBA Preferred Lender?
We hold SBA preferred lender status, enabling us to approve and fund loans directly, bypassing lengthy federal reviews. This benefits you by securing government-backed financing for startups or recoveries. Our track record includes top-tier SBA volume in Houston, proving our commitment to local economic development.
What Are the Basic SBA Loan Eligibility Requirements?
To qualify for an SBA loan with us, your business typically needs to operate for profit in the United States, meet SBA size standards, and demonstrate a reasonable need for the funds based on a valid business purpose. We also look for a good credit history, sufficient cash flow to support repayment, and a willingness to personally guarantee the loan when other financing options are not reasonably available on similar terms.
What Treasury Management Tools Are Available?
Beyond basic business bank accounts, we offer advanced cash management, including Check and ACH positive pay and Account Reconciliation, to safeguard funds. Our solutions minimize fraud risks in today’s digital landscape, vital for e-commerce or retail clients. These tools enhance liquidity without tying up capital in low-yield accounts. Treasury management tools help collect funds faster and include lockbox, wire transfers, merchant services and commercial deposit capture. Payment tools such as ACH, Zelle Instant Payments, corporate credit cards and wire transfers streamline the disbursement of funds.
How Experienced Are You in Serving Diverse Industries?
With roots dating back to 1957, we serve many of Houston’s most diverse sectors, from construction to professional services, through targeted commercial banking. Our team understands local regulations and market dynamics. We can adapt business banking in Houston to your industry’s unique challenges, ensuring scalable support.
What Sets Your Loan Approval Process Apart?
We leverage local insights to make decisions, often within days, unlike the bureaucratic chains at big banks. Our expertise minimizes documentation hurdles, streamlining the application process and efficient closings.
How Do You Ensure Security in Business Banking Services?
We employ state-of-the-art cybersecurity, multi-factor authentication, and fraud monitoring across all platforms. As FDIC-insured members, deposits up to $250,000 per category remain protected. We also undergo regular professional audits to keep our systems ahead of threats for peace of mind.
Are There Specialized Loans Available for Equipment or Real Estate?
Yes, our portfolio includes equipment financing with terms that match the asset life, as well as commercial real estate loans for Houston properties. These options help preserve your working capital while still fueling growth. Discuss eligibility with our lenders for personalized quotes.
Enjoy Exceptional Business Banking in Houston
Please speak with our trusted Houston team to learn more about business banking services that deliver exceptional results. Schedule a free consultation now to discover how we can help your business grow.
FDIC
Deposit Insurance Coverage Notice:
By federal law, as of 1/1/2013, funds in a noninterest-bearing transaction account (including an IOLTA/IOLA) will no longer receive unlimited deposit insurance coverage, but will be FDIC-insured to the legal maximum of $250,000 for each ownership category.