Business Banking / Business Loans

The capital to grow your business. The guidance to thrive.

Frost offers a loan for almost every business need. More importantly, a dedicated local banker will work closely with you to make sure you get the right loan for your situation. And we'll support you with sound advice and prompt, courteous service every step of the way.

Let's talk about how we can help your business grow.

Get in touch
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Loans for your growing business

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Access the cash you need when your business needs it

Business Line of Credit

This option allows you to use funds for any business-related purpose, from managing cash flow to expanding your office.

  • Access funds at your convenience and only when you need them
  • Monthly payment on interest-only lines are based on a variable interest rate
  • Lines of credit start at $5,000
Learn more about Business Line of Credit
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Borrow with flexible repayment options

Term Loans

Our term loans provide the capital you need to expand your business, buy new equipment or even acquire commercial vehicles.

  • Flexible repayment terms, ranging from one to five years for equipment and longer for real estate
  • Term loans start at $5,000
Learn more about Term Loans
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Get a loan backed by the Small Business Administration

Small Business Administration (SBA) Loans

Based on factors including reliability and trust, we're backed by the U.S. Small Business Administration to make credit and eligibility decisions that create a more streamlined and efficient SBA loan process for our customers. That means quicker processing from application to approval and funding.

Benefits of financing through a preferred lender:

  • Competitive rates and favorable terms
  • Use to expand business, finance equipment, acquire a new business or franchise
  • $25,000 minimum loan
Learn more about SBA Loans

Loans for commercial enterprises

Owner-Occupied Real Estate Loans

This fixed-rate loan allows you to finance real estate where you occupy at least 50% of the property.

  • Eliminate rent payments
  • Purchase, improve or refinance your commercial property
  • Long-term financing
  • 80% maximum loan-to-value
Owner-occupied real estate
Equipment Finance

With a range of options and 100% financing available, you can get the things your business needs right now.

  • Finance patrol and first responder vehicles, school buses, construction machinery and more
  • Free up cash for your business
  • Flexible structuring options
Equipment finance
Letters of Credit

Frost offers a number of letters of credit, which are ideal for import and export businesses.

  • Stand-by letter of credit
  • Commercial letter of credit
  • Export letter of credit
Letters of credit

Let's talk about what your business needs

We're here to listen to your big plans — and find the right loan to make it happen. Call us at (866) 376-7889.