Business Lending Solutions
Whether you are expanding your practice, investing in real estate, or upgrading vehicles and equipment, CUTX Business lending provides the tools needed for your business to succeed.
Get the funding your business needs.
We make it easy for your business to access the financing it needs, and we have several options for you to choose from:
- Commercial Real Estate Loans - empower business owners to acquire, develop, or refinance properties for their operations.
- Commercial Term Loans - instrumental for business owners seeking long-term capital for significant investments, expansion projects, equipment purchases, or agricultural purchases, offering a structured repayment plan.
- Business Credit Cards - offers convenient and efficient way to manage expenses, build credit, and access short-term financing.
- Commercial Lines of Credit - provides a flexible and revolving source of funds, allowing owners to cover unexpected expenses without the need for frequent loan applications.
Commercial Real Estate
CUTX partners with you and your business to power the acquisition of real estate your business needs as it grows. We specialize in the financing of the following property types.
• Owner occupied and Investment Property
• Retail
• Office
• Multi-Family
• Warehouses
• Self-Storage
• Retail
• Office
• Multi-Family
• Warehouses
• Self-Storage
Commercial Term Loans
We recognize the importance of investing in vehicles and equipment that work as hard as you do for your business. Our experts can tailor a solution which best fits your business needs. With set monthly payments, our Commercial Term Loan was designed to be as flexible as possible. That means your loan can be used for almost any business purpose such as cash flow management, equipment financing, agricultural purchases, and other regular business expenses.
• Flexible terms
• Competitive APRs
• Hassle-free application process
• Quick decisioning
• Digital document delivery
CUTX Business Credit Cards
A business credit card can be a valuable tool for any business owner, offering a range of benefits and advantages including:
• Allows for business owners to separate business and personal finances
• Helps simplify business accounting and record keeping
• Reduces personal liability for expenses paid by the business
• Helps with business cash flow cycles
• Take advantage of potential supplier/vendor discounts through timely payments on purchases
• Utilize the credit card payment period to finance purchases and increase access to cash on hand
• Provides a safety net for unexpected or emergency expenses
• Competitive interest rates, allows businesses to reduce carrying costs on purchases
• Business owners have the ability to monitor and control employee spending
Commercial Lines of Credit
The ability to handle short-term and seasonal working capital needs is a must for many businesses. Our business credit line will help you and your business fund these expenses.
• Easy Access – Transfer funds via business online or mobile banking1
• Overdraft protection2 – link to your business checking account
• Pay only for what you borrow
• Digital Banking solution to manage payments
• Local support from the CUTX Business Banking team
• Overdraft protection2 – link to your business checking account
• Pay only for what you borrow
• Digital Banking solution to manage payments
• Local support from the CUTX Business Banking team
Questions? We can help.
Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST
Talk to a team member
972-263-9497
Get a business lending consultation.
Exclusive Benefits Include
Fast And Friendly
We understand your time is valuable, so all loan requests are underwritten and processed right here, in-house to avoid unnecessary delays.
Build Your Business Credit
Making regular, on-time payments on the funds you use helps improve your business credit score.
Monitor Your Activity
Go online to take a closer look at where your money goes and how you're spending it so you can stay within budget.
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General Business Lending FAQs
What information do I need to apply for a business loan?
Although the required documentation can vary depending on the type of business and the specific loan request, general requirements include:
- Business Name and your name
- Street address and phone number for you and the business
- EIN, SSN, Date of Birth
- Entity documentation
- Financials such as Tax Returns, Balance sheets, Income Statements, Personal Financial Statements, etc.
Do I need to be a member to apply for a business loan?
You do not need to be a member to apply. However, upon approval of a business loan request, you will be required to establish a business membership with CUTX.
Once my business loan request is approved, how long will it take to fund?
The time it takes to receive loan funds after approval depends on the type of loan, collateral, and additional due diligence, which may be required prior to closing. CUTX will work closely with you throughout the process to make sure you receive your funds as soon as possible.
How long do I have to be in business before I can apply for business financing with CUTX?
The minimum time in business requirement to apply for a business loan is 2 years ownership of the business/practice with operating profitability.
Why CUTX?
Great folks to work with and great rates! We saved a ton on our auto loans! Thanks, CUTX!
Russell V.
Great services, excellent staff.
Syed W. H.
Friendly and attentive staff. Paydays come early and the fact that they care for the little guys is definitely my favorite thing about this bank. Definitely the go-to-spot if you’re interested in growing your financial reach.
Xavier H.
We're Here To Help
Visit your local branch
We have several locations in DFW and East Texas. Come see us!
1Message and data rates may apply.
2Fees may apply. For more information, see the CUTX Business Account Fee Schedule and Rate Sheet Rate Sheet.