Less than 48 hours
Average funding time
Fast Decisions
Pre-qualify in minutes. Same-day funding available for qualified Austin files.
Business Loans, Built for Austin OperatorsSBA · Working Capital · Equipment · CRE
Capital structured for Austin operators. Get matched with trusted lenders in Austin, TX and receive offers in as little as 24 hours.
- No impact on credit score
- 75+ lender network
- Bilingual EN/ES specialists
- Funding from $5K to $5M
256-bit SSLSoft credit pullNo obligation
4.9/51,420+ reviews
6,200+Businesses funded
$520M+Loans facilitated
Bank-LevelSecure & encrypted
Soft Pull · No Credit Impact
There are 3.1 million Texas small businesses powering the second-largest state economy in the U.S.. Source: SBA Office of Advocacy - Texas Small Business Profile.
The Austin Edge
Why Austin operators choose us
Built for Austin, TX businesses - fast decisions, transparent terms, and a banker who knows the difference between a Domain deal and a Round Rock deal.
- 02
Flexible Funding
From $10,000 working capital to $3,000,000 SBA acquisitions - sized to the deal.
$10K-$3MFunding range - 03
Transparent Terms
Clear APR disclosure, no prepayment penalties, no hidden fees, no surprises.
0 hidden feesClear pricing, every deal - 04
Dedicated Banker
A Austin-based banker who reviews your file, packages it, and shops 75+ lenders for you.
1:1 advisorDowntown-based team - 05
Local Expertise
Downtown, East Austin, Westlake, Domain - Central Texas underwriting that knows each submarket.
75+Lending partners - 06
Every Industry
Hospitality, healthcare, real estate, logistics, professional services and more.
All sectorsTailored programs
Business Loans for Austin Companies
Whether you operate in Downtown Austin, South Congress, East Austin, The Domain, Westlake or anywhere across Travis and Williamson counties and the broader Central Texas Hill Country, our lending network helps local businesses secure the capital they need to grow. From SBA 7(a) loans and business lines of credit to equipment financing, working capital loans and invoice factoring, we connect Austin owners with the right funding product, fast.
Our marketplace works with short-term lenders, SBA preferred banks, equipment financiers and merchant cash advance providers, so you can compare fast business loans, startup business loans and same-day business funding in one place.
NeighborhoodsDowntown AustinSouth CongressEast AustinThe DomainWestlakeMuellerRound RockCedar ParkPflugervilleLakeway
- Expansion
- Payroll
- Inventory
- Equipment
- Marketing
- Cash Flow
Explore the Austin Hub
Every neighborhood. Every loan program. One directory.
Jump into the Austin city hub to browse all suburbs we serve and the services available in each. Every combination opens its own locally written page.
- 10 neighborhoods & adjacent cities
- 38 loan programs mapped locally
- Direct links to every suburb × service page
Capital Menu
Loan programs for Austin, TX
Every major funding product, compared through one soft-pull application.
Most Requested
SBA Loans
From 8.5% APR
SBA 7(a) and 504 - the lowest rates and longest terms available to Austin small businesses.
Apply now Most Requested
Working Capital Loans
Funded in 24 hrs
Cover payroll, inventory and seasonal gaps with capital sized to your real cash cycle.
Apply nowBusiness Line of Credit
From 9.9% APRRevolving capital you draw when you need it. Only pay interest on what you use.
Equipment Financing
From 6.99%Equipment serves as collateral. Easy approvals for trucking, construction and medical.
Commercial Real Estate
Up to 25-yr amort.SBA 504 and conventional CRE for Downtown, the Domain, SH-130 and the Austin corridor.
Invoice Factoring & AR
Same-day cashTurn outstanding invoices into liquidity. Built for SH-130 freight and Samsung/Tesla supplier flows.
The Process
Funding made simple
Four steps from first call to wired funds. No surprises, no scripts.
- 01Step 1Step 01
Complete Application
Tell us about your business in 60 seconds. Soft pull only.
- 02Step 2Step 02
Get Matched
We package your file and shop 75+ lenders for you.
- 03Step 3Step 03
Compare Offers
Review rates, terms and monthly payments side by side.
- 04Step 4Step 04
Receive Funding
Sign and get funded - often in as little as 24 hours.
Sectors
Industries we fund in Austin
Specialty programs for the sectors that drive Central Texas - built by bankers who know each one cold.
CRE · 1031 · Bridge
Real Estate
Programs tuned to the real estate sector across the Austin metro.
Hospitality
Hotels · Restaurants
Healthcare
Med-spa · Dental · MD
Professional
Law · Accounting
Logistics
SH-130 · ABIA
Construction
GC · Subs · Yards
Retail & Luxury
SoCo · Domain
Manufacturing
SH-130 · Taylor
Technology
SaaS · Fintech
E-Commerce
DTC · Cross-border
Funded
Austin businesses we've funded
Real outcomes - and real words - from local owners in our funding network.
Featured story
“Our banker actually understood a multi-partner buy-in. We had a term sheet inside a week and the build-out wired in under three.”
Marcus Whitley
Managing Partner · Congress Avenue Wealth Advisors
Amount
$1,400,000
Product
SBA 7(a) Loan
Industry
Wealth Management
Speed
Funded in 19 days
Lucia Ramos
Founder & Owner · East Sixth Tortilla Co.
“We were quoted six weeks elsewhere. Highpoint had the SBA piece and the working-capital line stacked and closed in eleven days.”
$320,000·SBA 7(a) + Working Capital·Funded in 11 days
Devon Carter
Operations Director · SH-130 Freight Forwarders
“Combining the 504 real estate piece with an equipment line was seamless. Our advisor shopped seven lenders before recommending the structure.”
$2,100,000·SBA 504 + Equipment·Funded in 5 weeks
The Austin Market
Why businesses in Austin need flexible financing
From freight forwarders along SH-130 and ABIA cargo to restaurants on South Congress, medical practices in Westlake and Cedar Park, and contractors expanding across the Domain and the industrial corridor. Growing labor costs, equipment upgrades, inventory demands, seasonal fluctuations and new contracts often require quick access to capital. Our lending marketplace helps Austin, TX businesses secure SBA loans, business lines of credit and working capital tailored to local market conditions.
- Funding range$10K-$3M
- Fastest funding48 hrs
- Minimum FICO600+
- Time in business12 mo+
SSL Secured
Bank-Level Encryption
Privacy Protected
Licensed Lending Partners
FAQ
Frequently asked questions
Everything Austin business owners want to know before applying.
Still have questions?Our lender network covers SBA 7(a) and 504 loans, business lines of credit, equipment financing, working capital advances, commercial real estate and merchant cash advances - sized for Austin operators from solo founders to growth-stage companies.
Most qualified Austin files see an initial decision inside 48 hours, with funding wired in 2-5 business days. Same-day funding is available for short-term loans and merchant cash advances.
No. We run a soft inquiry to match you with the right lenders. Your FICO is untouched until you formally accept an offer and the chosen lender runs a hard pull.
Most of our partner lenders work with scores starting at 600 FICO. SBA programs typically expect 650+, while revenue-based products may accept lower scores when cash flow is strong.
Usually 4-6 months of business bank statements, a brief business profile and a valid ID. SBA and CRE deals also call for tax returns, P&Ls and a debt schedule.
Yes. We work with lenders that fund Austin companies with 12 months or more of operating history, plus SBA microloan and startup programs for newer ventures.
Get Started
Ready to explore your loan options in Austin?
Get matched with lenders serving businesses in Austin, TX. No impact on credit.
(737) 775-7311
Austin, TX bankers available now. No obligation.