Business and Community Lenders (BCL) of Texas

What their website says about applying

• Submit an inquiry and then sign up for a consultation with our Entrepreneurship Specialists source
• Complete your Financial Readiness Assessment and work with our team to develop a strategic growth plan source
• Apply for a loan starting at $5,000 or all the way up to $50,000 source

Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.

As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.

• Collateral flexible or not always required The Small Business Growth Fund offers flexible underwriting and collateral options based on established program criteria and the overall financial strength of the business. source

Only rules the lender's own pages state. Other requirements may apply.

Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. The SBA 504 figure of $5.5 million is the SBA portion of project cost, not a borrower loan limit, so it was not used. Terms change — confirm with the lender before applying.

Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.

1. Do you lend where I live, or where my business is?
   Their website does not say which area they serve.
2. What interest rate and fees should I expect on your commercial real estate loans and SBA-backed loans?
   Their website does not state a rate for this.
3. Can I apply online, or do I need to call or visit?
   We found no online application on their website.
4. Do you offer free coaching or help preparing my application?
   CDFI certification requires development services, such as training or advice, alongside lending.
5. What documents will you need from me, and how long does a decision usually take?
   Their website describes some application steps (above); ask for the full document list.

Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.

End-of-year figures from the Form 990 this organisation filed with the IRS for the fiscal year ending June 2023 (tax year 2022; EIN 74-2581297, filed as “BUSINESS AND COMMUNITY LENDERS OF TEXAS”), taken from the IRS Annual Extract of Tax-Exempt Organization Financial Data (returns processed in 2024). Figures are self-reported to the IRS, not audited by us, and lag one to two years behind today. The lender’s own annual report may show newer numbers. This organisation’s filings on ProPublica Nonprofit Explorer

Filings over time

Total assets fell 4% from Jun 2021 to Jun 2023; notes and loans receivable fell 40%. One row per fiscal year in the IRS extracts of returns processed in 2022, 2023, 2024; “—” = the line was empty or zero on that return (a fund can book its loans on other lines).

For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Form 990 figures: IRS annual extracts (see the Form 990 section).

The SBA's public loan data lists 5 SBA-backed approvals for Business and Community Lenders (BCL) of Texas in fiscal years 2020–2026 (October 2019 to September 2026):

• 5 504 loans as the Certified Development Company (CDC): $5M in total (CDC (SBA-backed) portion approved), median $551,000

By fiscal year: FY2020 0 · FY2021 2 · FY2022 2 · FY2023 0 · FY2024 0 · FY2025 0 · FY2026 1.

How this lender was matched in the SBA files: SBA CDC ID 0188099: same organisation by name and state, checked by hand (SBA lists “Business and Community Lenders of Texas”).

Approved is not the same as paid out: an approved loan can be reduced or never drawn. SBA lists the lender each loan is currently assigned to, which can differ after a merger or loan sale. Business and Community Lenders (BCL) of Texas may also make loans outside SBA programs, which are not counted here, and SBA Microloans are not in these files. For 504 projects, the CDC amount is the SBA-backed portion and the third-party lender amount is that lender's own first-lien loan.

Source: U.S. Small Business Administration, 7(a) & 504 FOIA loan data, files as of 30 Sep 2026, downloaded 3 Nov 2026. Our counts, cancelled approvals left out. How we match lenders.

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All 53 CDFIs in Texas