# Small Business Loans in Texas

> Texas is home to roughly 3 million small businesses — more than almost any other state — spanning energy, logistics, construction, healthcare, and a fast-growing tech corridor from Austin to Dallas. Hoss Capital matches Texas business owners with funding partners that actively lend across the state, from Houston and San Antonio to smaller communities in West Texas.

## Key takeaways
- Texas HB 700 (effective September 1, 2025) requires providers and brokers of sales-based financing under $1 million to disclose costs and payment terms, with provider/broker registration through the OCCC due by December 31, 2026.
- Home to roughly 3 million small businesses, Texas spans energy, logistics, construction, healthcare, and a fast-growing Austin–Dallas tech corridor, with no state income tax.
- Texas is served by six SBA district offices, with coverage depending on which of the state's 254 counties a business operates in.

## Funding the Texas economy

Few states offer the range of opportunity Texas does. With no state income tax,
a business-friendly regulatory climate, and a population that continues to grow
faster than the national average, Texas consistently ranks among the best
states to start and scale a company. That growth creates constant demand for
capital — to buy equipment, hire ahead of demand, open new locations, and
bridge the gap between invoicing and getting paid.

### Industries we fund across Texas

- **Energy & oilfield services** — equipment financing and working capital for
  the Permian Basin and Gulf Coast supply chains.
- **Trucking & logistics** — invoice factoring is especially common, turning
  slow-paying freight bills into same-week cash.
- **Construction** — lines of credit and equipment loans to manage project
  timelines and material costs across booming metros.
- **Healthcare** — practice financing and build-outs in San Antonio, Houston,
  and the DFW metroplex.
- **Technology** — revenue-based financing for the Austin and Dallas startup
  corridors.

### What Texas HB 700 means for you

If you're considering a merchant cash advance or other sales-based financing,
Texas now requires providers to disclose the full cost and payment terms up
front for offers under $1 million, and providers and brokers must register with
the state. That's good news for borrowers — it makes comparing offers easier.
Hoss Capital only works with partners who operate transparently.

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Canonical: https://hoss-capital.pages.dev/locations/texas/

Sources:
- https://capitol.texas.gov/tlodocs/89R/billtext/html/HB00700F.htm
- https://capitol.texas.gov/tlodocs/89R/analysis/html/HB00700E.htm
- https://occc.texas.gov/publications/legal/rules/
- https://www.sba.gov/district/dallas-fort-worth
- https://gov.texas.gov/business/page/financing-and-capital