Business Loans


Why do we choose AccessBank Texas?

Talking to the team at AccessBank Texas is like talking to friends.

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At AccessBank Texas we are the choice for banking local. With deep community connections, unmatched market expertise, and a dynamic team of bankers, we are delivering a superior brand of banking. When you choose AccessBank Texas you have a lending partner for life. Let us help get you started.


Construction Loans

We offer construction loans for commercial and single family residence. These can be used for personal or investment purposes. AccessBank Texas is here to partner with you to help build your future! Contact us today and let’s get started!

Letter of Credit

When a Letter of Credit is required to meet your business needs, AccessBank Texas is here for you. Letters of Credit can enhance your credit possibilities and satisfy your new suppliers. Come see us today.

Working Capital Loans

Successful business operations require a continuous source of funds to keep the day-to-day operations running smoothly. Financing is available for inventory, receivables, and other assets. Talk to us today about our flexible and competitive financing for business expansion.

Real Estate Loans

AccessBank Texas offers real estate loans for owner-occupied real estate, and investment funding for purchase, refinancing, refurbishment, or expansion of commercial real estate. Let us help you leverage your existing real estate investments. Come in and visit with one of our experienced loan officers today.

Equipment Loans

Let AccessBank Texas do the heavy lifting. Our lending experts can help your business grow with flexible terms and competitive pricing on equipment loans. Come see what AccessBank Texas can do for you.

Professional Services Loans

AccessBank Texas offers a professional service loan designed to address the specific needs of doctors and lawyers. We will work with your professional group to design a loan product specific to your needs.

Healthcare Lending

What makes our process different:

  • You won’t need to leave your patients
    We understand how valuable your time is. Our process is simple and allows you to spend your time where it is most needed: with your patients!
  • Quick turnaround
    A credit decision can be ready to you within 48 to 72 hours with funding within 7 to 10 days.
  • Let us deal with the details
    Your time is limited so we will work with your office manager or CPA to obtain the necessary information to get your loan approved.
  • Loan will not appear on personal credit
    Because this is a commercial transaction, it will not appear on your personal credit report.

Other services available:

  • Corporate credit cards
  • Business debit cards
  • Free AllAccess Online Banking with bill pay

What we can offer:

Working Capital

This is a quick solution for increasing operational cash flow and meeting your general capital needs.

Expansion and Improvement

Let us help you take the next step. If expanding or remodeling is in your plans, we can help with a fixed rate loan.

Equipment Financing

We understand how important it is to keep your equipment up and running and that you want to deliver the latest services to your patients. We can work with you to come up with the best financial solutions to keep your practice well-equipped for years to come.

Church Lending

AccessBank Texas is pleased to provide expert lending choices for Churches:

  • Option to secure a longer term rate lock: We give churches the option to secure a longer term interest rate lock, amortized for up to 25 years.
  • Church Trustees are not required to personally guarantee the loan: Trustees of your church will sign loan documents only as Trustee of the Church, no personal guarantees required.
  • Payment options: Interest only payments, tiered/graduated payments, and standard level term payments are available.
  • Closing costs and fees: Closing costs and fees may be added into the loan provided a church has a strong financial and equity position.
  • One loan / One lender: Loan proceeds serve as both the construction and permanent loan, saving the expense of a construction loan and risk of interest rate increase during the 12 to 18 months of construction.
  • No prepayment penalties: Some commercial lenders have a financial penalty if a prepayment is made during the first five years of the loans. An AccessBank Texas loan can be prepaid in whole or in part, at any time, without penalty.
  • Cash management enhancement: All AccessBank  Texas Church clients have access to our cash management services and will be provided the ability to “remote deposit” directly to your account.

Ready to Apply for a Loan?

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