We are small business lending experts! 
Flexible Business Term Loans Designed to Grow Your Company
Plains State Bank offers business term loans and SBA financing in Houston. Fund acquisitions, real estate, equipment, or expansions with flexible terms and expert support.
Business Lending Solutions to Meet Your Needs
Access to capital is essential for businesses looking to grow, modernize, or manage operations. Plains State Bank provides business term loans and SBA-backed financing to help Houston companies fund a variety of commercial needs.
If your business requires funds for acquisitions, commercial real estate, building construction, or expansion and modernization, our lending experts structure solutions to meet your goals. We also support:
- Leasehold improvements
- Inventory purchases
- Equipment and machinery financing
- Refinancing existing debt
- Business debt consolidation
- Working capital lines of credit
With competitive rates and flexible repayment plans, our term loans allow companies to manage cash flow efficiently while achieving strategic objectives.
Loan Options for Every Business Need
SBA and Traditional Term Loans
As a Preferred SBA Lender, Plains State Bank offers SBA term loans that provide long-term financing with favorable rates and extended repayment terms. These loans are ideal for businesses seeking structured schedules, lower down payments, or longer terms to manage cash flow efficiently.
Traditional term loans provide rapid funding for immediate business needs, allowing companies to secure capital quickly without sacrificing flexibility.
Commercial Lending for Growth and Operations
Our commercial lending solutions support equipment and inventory purchases, facility renovations, and operational improvements. Structured repayment plans match your business cycle, helping you maintain stability while funding growth initiatives.
Business Acquisitions and Expansion
If you are acquiring a competitor, opening a new location, or expanding your operations, Plains State Bank provides term loans designed to fund these growth opportunities. Our team ensures that loan structures support your business plan and cash flow projections.
Commercial Real Estate and Construction Financing
Plains State Bank offers financing for commercial real estate purchases and new construction projects. We support land acquisition, building construction, leasehold improvements, and renovations, helping businesses create the space they need to operate efficiently.
Equipment, Machinery, and Inventory Financing
Purchasing equipment or machinery can be costly, but term loans help businesses spread the cost over time. Inventory financing is also available, ensuring that your business can maintain stock levels without straining working capital.
Refinancing and Debt Consolidation
Refinancing existing loans or consolidating business debt can reduce monthly payments and simplify financial management. Our team evaluates your current obligations and creates a plan to improve cash flow and reduce interest expenses.
Working Capital Lines of Credit
For businesses that need short-term access to funds, we offer working capital lines of credit. These flexible solutions provide liquidity for payroll, operational expenses, and seasonal revenue fluctuations.
Why Choose Plains State Bank
Houston businesses rely on Plains State Bank for more than just financing. Our team provides personalized support throughout every stage of the loan process, from initial consultation to funding and repayment guidance.
As a Preferred SBA Lender, we offer access to federal loan programs that provide favorable terms, lower down payments, and extended repayment options, giving businesses the flexibility they need to grow.
We combine local expertise with comprehensive commercial lending solutions, including term loans, SBA-backed financing, and working capital options. Our professionals take the time to understand each business’s unique goals, challenges, and cash flow requirements, enabling us to recommend solutions that align with both short-term needs and long-term growth plans.
With Plains State Bank, Houston businesses gain a trusted partner who prioritizes clarity, efficiency, and financial success.
Frequently Asked Questions
What Are Business Term Loans?
Term loans provide a lump sum for a specific business purpose and are repaid over a fixed period with interest.
What Is an SBA Loan?
The Small Business Administration partially guarantees SBA loans and offers longer terms, lower down payments, and competitive rates for qualified businesses.
Who Qualifies for a Business Term Loan?
Businesses of all sizes may qualify. Approval is based on credit history, business performance, and loan purpose.
How Are Loan Terms Structured?
Repayment schedules are tailored to your needs, with monthly payments over a defined term.
Can I Use the Loan for Multiple Purposes?
Yes. Term loans can fund acquisitions, real estate, construction, leasehold improvements, inventory, equipment, refinancing, and working capital needs.
How Quickly Can Funds Be Received?
Funding depends on documentation and loan type, but Plains State Bank works efficiently to provide access to funds quickly.
Are Prepayment Options Available?
Many loans allow early repayment without penalties.
How Do I Apply?
Applications can be submitted online or at any Houston branch. Our team guides you through the process.
Are Term Loans Available for Refinancing Existing Debt?
Yes. Consolidating or refinancing business debt can reduce payments and improve cash flow.
Can I Combine SBA and Traditional Financing?
Plains State Bank can structure combined financing solutions to meet complex business needs.
3-Step Process to Secure Your Business Loan
Step 1: Discuss Your Business Goals
Begin by speaking with one of our Houston lending experts. We take the time to understand your company’s objectives, financial history, and funding needs. If you’re planning an acquisition, purchasing equipment, expanding your operations, or refinancing debt, we help identify the best loan solution for your business.
Step 2: Choose the Right Loan Option
Based on your goals, we guide you through available options, including SBA-backed term loans, traditional term loans, and working capital lines of credit. We explain repayment schedules, interest rates, and applicable fees to ensure you select a loan that aligns with your budget and cash flow.
Step 3: Apply and Secure Funding
Once you choose the right loan, our team assists with the application process. We help gather documentation, review terms, and submit your application. Upon approval, funds are provided quickly so your business can move forward with confidence.
Apply for a Business Term Loan With Plains State Bank
Grow your business confidently with a Plains State Bank term loan or SBA financing. Contact our Houston branch or visit our website to discuss your goals and get a personalized lending solution.