Business Funding in Houston, TX: Working Capital, Lines of Credit, Equipment and C&I Loans

A Houston commercial funding brokerage with more than 160 wholesale lenders: working capital, business lines of credit, SBA loans, equipment financing, commercial and industrial loans, invoice and purchase order financing for Houston businesses.

Commercial funding options for Houston businesses

MercFinancial is based in Houston and has placed commercial financing for Houston companies for more than twenty years. The options are the same eight programs we run nationally, matched to the industries that drive this city: energy and oilfield services, the medical center and healthcare practices, the port and logistics, construction and trades, manufacturing and fabrication, restaurants and hospitality, and professional services.

Working capital loans and business lines of credit for cash-flow gaps, growth and seasonal swings
SBA 7(a) and 504 loans for acquisitions, owner-occupied real estate and long-term working capital
Equipment financing and leasing for trucks, machinery, medical and restaurant equipment
Commercial and industrial (C&I) term loans and revolvers for established companies
Invoice factoring and accounts receivable financing for companies waiting on 30 to 90 day payers
Purchase order financing for suppliers and distributors filling large orders
Commercial real estate financing for owner-occupied and investment property
Business expansion and acquisition financing

What a C&I loan is, and who gets one

A commercial and industrial loan is a bank or non-bank loan to an operating business, secured by the company's assets and cash flow rather than by real estate: a term loan for equipment or expansion, or a revolving line against receivables and inventory. Banks underwrite C&I loans on two to three years of financials, debt-service coverage and the owner's guarantee, and decline most small-business applications. The lenders in our network include banks that still write C&I loans for Houston companies and the non-bank lenders that fund the ones banks pass on, often faster.

How Houston businesses work with us

Pre-approve in two to three minutes with Stephanie, our AI lending assistant, with a soft credit pull, or call (830) 587-5022 and talk to a specialist in Houston. We package one file, send it to the lenders whose credit box you fit, and show you real term sheets side by side. Many products fund in ten to fourteen days; equipment and receivable facilities often faster.

We are paid on closed loans that perform, and our lender relationships depend on sending quality files, so you get an honest read on which product fits, including the times a bank is the right answer and we are not.

MercFinancial is a commercial funding brokerage, not a lender. Approval, loan amount, rate, term and funding are decided by the funding source on the strength of the file; nothing on this page is an offer or a commitment to lend.

Frequently asked questions

What business funding options are available in Houston for a company a bank declined?

Working capital loans and lines from non-bank lenders, revenue-based financing, equipment financing on the equipment itself, invoice factoring on your customers' credit, and SBA loans through lenders with more flexible credit policies. A bank decline is usually a fit problem, not a verdict; our playbook guide walks through the next steps.

How fast can a Houston business get working capital?

Lines of credit and working capital loans from non-bank lenders often fund within days of approval; factoring facilities fund first invoices within one to two weeks; SBA loans take six to twelve weeks. Pre-approval with Stephanie takes minutes.

Do you work with Houston oilfield service companies?

Yes, extensively: receivable factoring, equipment financing and working capital for service and supply companies are a large part of our Houston business. See our oilfield services funding page.

Do I need to come to your office?

No. Everything is handled by phone, email and secure upload. Houston clients are welcome to meet in person, but most close without it.

Is MercFinancial a direct lender?

No. MercFinancial is a commercial funding brokerage; the lenders in our network fund the loans. That is what lets one file reach more than 160 funding sources instead of one product.

Guides on this topic

Working Capital for Small Businesses: Know Your Options — A practical breakdown of business lines of credit, short-term loans, invoice factoring, and revenue-based financing, matched to the cash-flow gap each one solves.
Line of Credit or Term Loan: Which Does Your Business Need? — A business line of credit and a term loan solve different problems: recurring cash-flow gaps versus one-time investments. Here's the five-question test to decide.
Declined by Your Bank? A Step-by-Step Funding Playbook — Bank denied your business loan application? Here's the exact four-step playbook: get the real reason, fix your file, and get funded elsewhere fast.
SBA 7(a) vs SBA 504: Choosing the Right Loan in Practice — SBA 7(a) and SBA 504 loans fund different things: 7(a) is flexible working capital and acquisitions, 504 is fixed assets with a two-loan structure.
Invoice Factoring vs PO Financing: Key Differences — Invoice factoring turns unpaid invoices into cash after the sale. PO financing funds orders before you can afford to fill them. Here's how each works.
Business Funding Timelines: How Long Each Product Takes — Real funding timelines by product, from 24-hour cash advances to 6-12 week SBA loans, plus what actually speeds up or slows down approval times.