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SBA Lending

Independence Bank, a division of Allegiance Bank Texas, is a U.S. Small Business Administration (SBA) Preferred Lender. This means that our team can approve SBA loans for the government, which in turn can get the funds into your hands faster, so that you can take care of business sooner.
As one of the leading Houston area SBA lenders, we are proud to offer a variety of SBA loans, so that it's easier for you to find the one that your business needs.


Independence Bank's SBA 7(a) loans can be used by small businesses for an array of opportunities. Depending on your goals, terms range from 7 to 25 years, with loan amounts from $150,000 to $2,000,000.

Loan Size

$150,000 to $2,000,000

Advance Rates

Up to 90% financing depending on type of project

Maximum Term (Fully Amortized)

Real estate purchase and refinance - 25 years
Business or equipment acquisition - 10 years
Working capital and inventory - 7 years


Business assets, business or personal real estate


SBA 504 loans offer small business owners long-term funding up to 25 years. This program also features lower capital requirements compared to traditional commercial real estate loans, fixed-rate options, financing up to $5,000,000.

Loan Size

$250,000 to $5,000,000

Advance Rates

General purpose real estate - up to 90%
Special purpose real estate - up to 85%
Equipment financing – up to 90%

Maximum Term (Fully Amortized)

Bank first trust deed - 25 years
SBA second trust deed - 20 years.

Certain restrictions apply. Credit subject to approval.

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