Best Business Loans in Austin, TX

Compare 8 business loans companies serving Austin, Texas. Average rating: 4.3/5.

8 Companies 8 Rated Payday: Legal

Texas Lending Regulations

Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.

Usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses Agency: Texas Attorney General Consumer Protection Division

Top-Rated Business Loans

Boardwalk Funding, LLC logo

Boardwalk Funding, LLC

Austin-based hard money lender specializing in fix-and-flip and new construction loans for Texas real estate investors with 1-year terms and competitive rates.

4.4/5
Contact BBB: NR

Best for: Texas real estate investors executing fix-and-flip projects with clear timelines and exit strategies, New construction developers needing short-term project financing before permanent financing or sale

Lakehills Commercial Lending logo

Lakehills Commercial Lending

T3 Commercial Financing is a commercial lending firm in Austin, TX offering SBA loans, construction financing, and commercial real estate deals with 25+ years of team experience.

4.4/5
Contact BBB: NR

Best for: Commercial real estate developers seeking construction or rehab financing for complex projects, Small business owners exploring SBA loan options with experienced guidance

Loan Ranger Capital logo

Loan Ranger Capital

Balance sheet hard money lender specializing in fix-and-flip, rental property, new construction, and bridge loans for real estate investors with fast underwriting and direct lending decisions.

4.4/5
Contact BBB: NR

Best for: Real estate fix-and-flip investors seeking fast capital with flexible terms, Rental property investors needing DSCR loans or refinancing for investment portfolios

Longhorn Funding logo

Longhorn Funding

Texas-based hard money lender offering fast, flexible financing for real estate investors. Specializes in residential, commercial, and development projects with streamlined approval.

4.4/5
Contact BBB: NR

Best for: Real estate investors needing fast capital for time-sensitive acquisition or bridge financing, Property developers requiring flexible funding for commercial or residential development projects

Simplified Commercial Lending logo

Simplified Commercial Lending

Commercial mortgage broker specializing in no-tax-return loans for real estate investors across apartment, retail, hotel, and industrial properties nationwide.

4.4/5
Contact BBB: NR

Best for: Real estate investors with multiple rental properties seeking refinancing without extensive tax documentation, Self-employed real estate investors or foreign nationals who prefer asset-based qualification over personal income verification

Business & Community Lenders (BCL) of Texas- Austin logo

Business & Community Lenders (BCL) of Texas- Austin

BCL of Texas provides small business loans up to $50K, SBA 504 financing, and business coaching across Austin, Dallas, and San Marcos with a focus on diverse and underserved entrepreneurs.

4.3/5
Contact BBB: NR

Best for: Diverse business owners and entrepreneurs from underrepresented communities seeking patient capital, Early-stage and small businesses in Texas needing guidance as much as capital (startup/scale-up phase)

All Business Loans in Austin (8)

Boardwalk Funding, LLC logo

Boardwalk Funding, LLC

Austin-based hard money lender specializing in fix-and-flip and new construction loans for Texas real estate investors with 1-year terms and competitive rates.

4.4/5
Contact BBB: NR

Best for: Texas real estate investors executing fix-and-flip projects with clear timelines and exit strategies, New construction developers needing short-term project financing before permanent financing or sale

Lakehills Commercial Lending logo

Lakehills Commercial Lending

T3 Commercial Financing is a commercial lending firm in Austin, TX offering SBA loans, construction financing, and commercial real estate deals with 25+ years of team experience.

4.4/5
Contact BBB: NR

Best for: Commercial real estate developers seeking construction or rehab financing for complex projects, Small business owners exploring SBA loan options with experienced guidance

Loan Ranger Capital logo

Loan Ranger Capital

Balance sheet hard money lender specializing in fix-and-flip, rental property, new construction, and bridge loans for real estate investors with fast underwriting and direct lending decisions.

4.4/5
Contact BBB: NR

Best for: Real estate fix-and-flip investors seeking fast capital with flexible terms, Rental property investors needing DSCR loans or refinancing for investment portfolios

Longhorn Funding logo

Longhorn Funding

Texas-based hard money lender offering fast, flexible financing for real estate investors. Specializes in residential, commercial, and development projects with streamlined approval.

4.4/5
Contact BBB: NR

Best for: Real estate investors needing fast capital for time-sensitive acquisition or bridge financing, Property developers requiring flexible funding for commercial or residential development projects

Simplified Commercial Lending logo

Simplified Commercial Lending

Commercial mortgage broker specializing in no-tax-return loans for real estate investors across apartment, retail, hotel, and industrial properties nationwide.

4.4/5
Contact BBB: NR

Best for: Real estate investors with multiple rental properties seeking refinancing without extensive tax documentation, Self-employed real estate investors or foreign nationals who prefer asset-based qualification over personal income verification

Business & Community Lenders (BCL) of Texas- Austin logo

Business & Community Lenders (BCL) of Texas- Austin

BCL of Texas provides small business loans up to $50K, SBA 504 financing, and business coaching across Austin, Dallas, and San Marcos with a focus on diverse and underserved entrepreneurs.

4.3/5
Contact BBB: NR

Best for: Diverse business owners and entrepreneurs from underrepresented communities seeking patient capital, Early-stage and small businesses in Texas needing guidance as much as capital (startup/scale-up phase)

Bcl of Texas (Business and Community Lenders) logo

Bcl of Texas (Business and Community Lenders)

Community Development Financial Institution (CDFI) providing small business loans, SBA 504 financing, and entrepreneurship coaching across Texas with focus on underserved entrepreneurs.

4.1/5
Contact BBB: NR

Best for: Texas-based entrepreneurs from underrepresented or diverse business backgrounds seeking startup capital under $50,000, Growing businesses needing SBA 504 financing for real estate or equipment with willingness to engage in business coaching

PeopleFund logo

PeopleFund

Texas-based nonprofit CDFI providing small business loans, financial education, and entrepreneurial support to underserved business owners.

4.1/5
Contact BBB: NR

Best for: Texas-based small business owners rejected by traditional banks due to credit history or lack of collateral, Military veterans seeking business funding with specialized veteran lending programs