The State's official financing map to SBA resources, nonprofit lenders, Texas credit initiatives, workforce grants, federal grant catalogs, and cash-flow help.
Free accessOnlineService: EnglishService: Spanish
- Best for
- Comparing the main public and nonprofit capital pathways available in Texas
- Eligibility
- This is a directory; every linked loan, grant, lender, and training program sets separate requirements and terms
- Before you go
- Use the page as a map, then verify the selected provider's current eligibility, repayment, fee, deadline, and availability terms.
SBA's primary loan-guaranty program for eligible working capital, equipment, supplies, real estate, refinancing, ownership changes, and other approved business uses.
Loan; repayment appliesOnlinePhoneService: English
- Best for
- Operating U.S. small businesses comparing flexible lender-issued financing for an eligible business purpose
- Eligibility
- The business must meet current SBA and lender requirements, operate for profit in the United States, be creditworthy, and demonstrate repayment ability; terms and documents vary
- Before you go
- Review permitted uses and eligibility, then apply through a participating lender and compare the complete rate, fee, collateral, guaranty, and repayment terms.
City of Austin Kiva Hub
Kiva zero-interest small-business loans
The local Kiva hub describes crowdfunded loans from $1,000 to $15,000 with 0% interest and no collateral, subject to current eligibility.
Loan; repayment appliesOnlineService: English
- Best for
- Eligible Austin businesses seeking a small, community-backed loan
- Eligibility
- Eligible Austin ZIP codes and Kiva social-underwriting requirements apply
- Before you go
- Confirm the current ZIP, applicant, fundraising, and repayment rules on the official page.
Long-term, fixed-rate financing issued through Certified Development Companies for eligible major fixed assets that support business growth and job creation.
Loan; repayment appliesOnlinePhoneService: English
- Best for
- Established small businesses financing eligible owner-occupied real estate, facilities, or long-life machinery and equipment
- Eligibility
- Current SBA size, for-profit, location, credit, management, repayment, asset-use, project, lender, and Certified Development Company requirements apply
- Before you go
- Confirm the project is an eligible fixed-asset use, then compare complete terms with an authorized Certified Development Company before applying.
SBA-funded loans up to $50,000 made through approved nonprofit intermediaries for eligible business startup and expansion uses.
Loan; repayment appliesOnlinePhoneService: English
- Best for
- Eligible small businesses seeking less than $50,000
- Eligibility
- The intermediary makes credit decisions and sets rates, collateral, documents, and terms
- Before you go
- Use the official intermediary locator and compare the lender's complete terms.
An SBA tool that shares a business profile with participating lenders that may express interest; it is not a loan application or approval.
Free accessOnlineService: English
- Best for
- Comparing potential SBA-participating lenders
- Eligibility
- A match, offer, or approval is not guaranteed; participating lenders set terms
- Before you go
- Prepare the amount, use of funds, plan, projections, and credit information before using the tool.
LiftFund
Austin-area zero-interest loan
A 0% interest loan program for eligible startups and existing businesses in published Central Texas counties, subject to credit approval and available funds.
Loan; repayment appliesOnlinePhoneService: English
- Best for
- Eligible businesses in the program's listed counties
- Eligibility
- County, credit, use-of-funds, documentation, availability, and possible fee requirements apply
- Before you go
- Check the current county list and full loan disclosures before starting an application.
Texas and other eligible U.S. states Accion Opportunity Fund
Small-business financing options
A nonprofit lender's catalog of term, SBA 7(a), truck, and food-truck financing, with free one-to-one business advising available in English and Spanish.
Loan; repayment appliesOnlinePhoneService: EnglishService: Spanish
- Best for
- Established Texas businesses comparing mission-based financing products
- Eligibility
- Texas is in AOF's published service area; each product sets separate operating-history, revenue, ownership, underwriting, rate, fee, and documentation requirements
- Before you go
- Choose the relevant product, then compare its current eligibility, rates, fees, repayment terms, state disclosures, and total borrowing cost before applying.
PeopleFund
Small-business loans
Texas small-business and nonprofit lending for uses such as working capital, equipment, and expansion, paired with business assistance.
Loan; repayment appliesOnline and in personService: English
- Best for
- Texas borrowers who want a community-development lender
- Eligibility
- Underwriting, rates, fees, collateral, and permitted uses depend on the loan
- Before you go
- Review the official loan requirements and request a direct consultation before applying.
BCL of Texas
Growing-business lending
Business-growth financing for eligible Texas companies, including working capital, equipment, real estate, and other approved uses.
Loan; repayment appliesOnline and in personService: English
- Best for
- Established businesses preparing for larger financing needs
- Eligibility
- Loan size, operating history, underwriting, rates, and fees vary
- Before you go
- Use the official consultation process to confirm fit and required documents.
A county-organized collection of high-utility local coaching, business research, contracting-readiness, improvement-grant, incentive, and entrepreneur-support programs.
Fees may applyOnlineIn personService: EnglishService: Spanish
- Best for
- Finding geographically specific help after statewide and federal guidance is too broad
- Eligibility
- Every linked program sets separate city or county boundaries, business stage, employee, property, census-tract, matching-fund, reimbursement, application-window, library-card, certification, and funding rules; Spanish service is explicitly confirmed for San Marcos ThinkB!G, not every program in the collection
- Before you go
- Open the exact local program and verify current eligibility, available funding, deadlines, required approvals, reimbursement terms, language access, and intake instructions before spending or applying.
Reviewed August 22, 2026Official page: EnglishIndependent listing
Browse official resources8 official links+
Each link opens the named provider's official page. Eligibility, availability, deadlines, registration, fees, funding, and service area can differ by provider; verify the current terms before acting or paying.
MBDA is the federal agency dedicated to Minority Business Enterprise (MBE) growth, connecting eligible minority-owned firms with business-development assistance for capital readiness, contracts, capacity, strategic partners, research, and domestic or global market expansion.
Fees may applyOnlinePhoneIn personService: English
- Best for
- Established minority-owned businesses preparing to scale, pursue larger contracts, strengthen financing readiness, or enter new markets
- Eligibility
- MBDA Business Center guidance generally requires at least 51% ownership and daily operational control by one or more socially or economically disadvantaged individuals; each center and program may add separate revenue, operating-history, industry, geography, documentation, and client requirements
- Before you go
- Use MBDA's current program finder and confirm the provider's service area, client criteria, fees, documents, and deliverables. MBDA states that it does not provide loans or grants to start or expand a business, and assistance does not guarantee financing, certification, or a contract.
Reviewed August 22, 2026Official page: EnglishIndependent listing
Browse official resources2 official links+
Each link opens the named provider's official page. Eligibility, availability, deadlines, registration, fees, funding, and service area can differ by provider; verify the current terms before acting or paying.
Federal minority-business support
The City division that owns Austin small-business training, educational events, coaching, Kiva access, market-intelligence tools, and program updates.
Fees may applyOnlineIn personService: English
- Best for
- Finding current City programs, workshops, coaching, and small-business announcements in one place
- Eligibility
- The division page is public; each class, event, coaching service, loan, rebate, or linked program sets its own requirements, availability, and cost
- Before you go
- Use the division page for current offerings, then confirm the selected program's registration, geography, deadline, and fee terms.
SBA guarantees eligible bid, performance, payment, and ancillary contract bonds issued through participating surety agents, helping qualified small businesses compete for bonded work.
Fees may applyOnlinePhoneService: English
- Best for
- Contractors and other small businesses that need a qualifying contract bond but may not meet a surety's standard underwriting criteria
- Eligibility
- Current SBA size, contract-value, bond-type, credit, capacity, character, surety underwriting, and program requirements apply; commercial license bonds are not guaranteed
- Before you go
- Confirm the bond and contract qualify, then contact an SBA-authorized surety agent and review all premiums and fees; SBA currently charges 0.6% on guaranteed performance and payment bonds and no SBA fee for bid bonds.
A free Texas program offering veteran entrepreneurs business planning, capital guidance, fundamentals, training, referrals, and direct business support.
No-cost advisingOnline and in personService: English
- Best for
- Texas veterans starting a business or strengthening an existing veteran-owned business
- Eligibility
- Veteran status, Texas service scope, individual assistance, verification, and program requirements apply
- Before you go
- Use the official program intake and confirm the current service, verification, and event requirements with a veteran business consultant.
SBA's official gateway to Boots to Business, loans and Lender Match, veteran federal contracting, and Veterans Business Outreach Center advising.
Free accessOnlineIn personService: English
- Best for
- Veterans, service members, Guard and Reserve members, and military spouses exploring business ownership
- Eligibility
- Training, counseling, lending, and contracting programs apply different military affiliation, ownership, control, size, and documentation rules
- Before you go
- Choose the exact SBA program and confirm current eligibility with the official provider or nearest VBOC.
SBA's official gateway to Women's Business Centers, counseling, training, capital pathways, the WOSB federal contracting program, and online learning.
Free accessOnlineService: English
- Best for
- Finding the official federal owner for counseling, capital, or WOSB contracting help
- Eligibility
- Counseling, loans, training, and certification each have separate location, ownership, control, size, and program requirements
- Before you go
- Choose the exact SBA pathway and confirm its current criteria before applying or seeking certification.
SBA's official starting point for business planning, launch, compliance, hiring, growth, local counseling, contracting guidance, tools, training, and events.
Free accessOnlineService: English
- Best for
- Finding the correct federal guide or counseling network for the business's current stage
- Eligibility
- The guide is public; counseling networks, events, certifications, loans, and other linked programs set separate eligibility and cost rules
- Before you go
- Choose the relevant Business Guide section or local-assistance pathway, then verify the official program requirements before acting.
Confidential advising and training covering startup planning, access to capital, marketing, human resources, and government contracting.
No-cost advisingOnline and in personService: English
- Best for
- Ongoing, adviser-led business planning
- Eligibility
- Serves businesses in its published Central Texas service area; intake is required
- Before you go
- Confirm your county and request advising through the official center.
A privately funded program currently publishing three $10,000 monthly awards and year-end awards for eligible women-owned businesses.
Application fee requiredOnlineService: English
- Best for
- Eligible women-owned businesses willing to evaluate a competitive private grant application
- Eligibility
- Current rules require an applicant age 18 or older who owns at least 50% of a U.S.- or Canada-based business; business-stage and category rules vary
- Before you go
- Read the official rules before applying. The current nonrefundable fee is $15; a hardship fee waiver can be requested before applying.
The official SBA locator for Small Business Development Centers, SCORE, Women's Business Centers, Veterans Business Outreach Centers, and district offices.
No-cost advisingOnline and in personService: English
- Best for
- Finding an official assistance network near a business
- Eligibility
- Services, languages, intake, geography, and fees vary by partner location and event
- Before you go
- Search by location and confirm the selected office's current services before visiting.
A private $1,000 monthly microgrant focused on under-resourced women entrepreneurs, including women of color, for defined small-business growth uses.
Application fee requiredOnlineService: English
- Best for
- Eligible U.S.-registered women-owned businesses seeking a small competitive growth award
- Eligibility
- The landing page states 51% women-owned, U.S.-registered, and under $1 million in gross revenue; its FAQ more narrowly describes women-of-color ownership, so confirm current criteria before paying
- Before you go
- Resolve the provider's published eligibility difference and read the current terms before paying the nonrefundable $15 administrative fee.
YippityDoo LLC
Big Idea Grant
A privately funded program publishing one $1,000 for-profit women-owned business award monthly and one nonprofit award every other month.
Application fee requiredOnlineService: English
- Best for
- Eligible U.S. women entrepreneurs comparing a small private award with a paid application
- Eligibility
- Current terms require age 18 or older, U.S. residence and operations, and at least 50% woman ownership and management for for-profit applicants; nonprofit rules differ
- Before you go
- Read the official grant terms, privacy terms, directory benefits, and selection rules before paying the current nonrefundable $15 fee.
NASE is a nationwide paid membership association for self-employed professionals, independent contractors, and microbusiness owners. Member benefits include access to tax, finance, business-law, business-strategy, marketing, and technology guidance, plus a competitive Growth Grants program currently advertising awards up to $4,000.
Paid registrationOnlineService: English
- Best for
- U.S. self-employed contractors and microbusiness owners who expect to use several membership benefits and want to evaluate a competitive business-growth grant
- Eligibility
- Benefits require membership in good standing with dues paid. Growth Grant applicants must remain in good standing; annual members may apply immediately, while monthly members may apply after 90 days. Current application, documentation, permitted-use, and selection rules control.
- Before you go
- Compare the current $120 annual, $11.95 monthly, and other membership options against benefits you would actually use before paying. Benefits may vary by package, vendor, and state. Membership does not guarantee a Growth Grant, financing, insurance eligibility, savings, business leads, or professional results.
Reviewed August 22, 2026Official page: EnglishIndependent listing
Browse official resources2 official links+
Each link opens the named provider's official page. Eligibility, availability, deadlines, registration, fees, funding, and service area can differ by provider; verify the current terms before acting or paying.
Paid membership and Growth Grants
