Business Loan Program

Texas Mezzanine Fund provides flexible financing solutions to growth-oriented businesses operating in distressed or low-to-moderate-income communities, or those creating jobs for low-to-moderate-income individuals, supporting expansion, equipment purchases, business acquisitions, working capital, and owner-occupied real estate.

Loan Guidelines

Eligibility: Growth-oriented businesses - manufacturing, distribution, service, retail, other; minimum of two complete years of operations

Use of Funds:

  • Working Capital

  • Equipment

  • Business Acquisition

  • Owner-Occupied Real Estate

Loan Amounts:

  • $100,000 to $500,000 for a TMF “Stand-Alone” Loan

  • Up to $500,000 loan in tandem with another lender (e.g. banks, non-bank lenders, CDFI’s, CDC’s)

  • Up to $500,000 if collateralized by real estate

  • New Equipment (1st Lien) → Up to $1,000,000 with TMF in first lien position secured by new equipment (up to 90% LTV in most cases)

  • New Equipment (2nd Lien) → Up to $500,000 with TMF in second lien position  secured by equipment (up to 85% LTV in most cases) 

Terms:

  • Working Capital → up to 5 years

  • Equipment

Loan Application Checklist

 

Downloadable Forms

Please download the attached loan application and provide all the requested documentation. A non-refundable application fee of $150 covers the cost of business credit checks, personal credit bureaus, and tax verifications. A cashier’s check or certified check should be included with the application if mailed or sent separately if emailed. Please note that the underwriting process will not begin until the application fee is received.

The check should be made payable to Texas Mezzanine Fund Inc. and sent to the attention of:

Karen Cross
Texas Mezzanine Fund Inc.
320 South R.L. Thornton Freeway Suite 110
Dallas, Texas 75203

Please include “Loan Application Fee” in the memo line as well as the applicant’s printed name.