Frost offers a wide range of financing options for short-term, seasonal and long-term borrowing needs. We’ll work closely with your company to determine the option that’s right for you. With every business loan, you’ll receive:

  • a dedicated Frost Banker to help you get the best package that meets your business goals
  • the advice of experts in many business industries
  • prompt, courteous, like-it-should-be service

BUSINESS LINE OF CREDIT

Purchase additional inventory, finance company growth, cover unexpected expenses or simply meet seasonal, fluctuating cash needs.

  • $5,000 minimum loan amount
  • typically secured by business assets
  • access funds at your convenience and only when you need them
  • monthly payments on interest-only lines are based on a variable interest rate
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TERM LOANS

Expand your offices, buy new equipment or even acquire commercial vehicles.

  • $5,000 minimum loan amount
  • flexible repayment terms, ranging from one to five years for equipment and longer for real estate (terms depend on the useful life of the asset)
  • secured by company's fixed assets
  • principal and interest are paid in regular installments

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OWNER-OCCUPIED REAL ESTATE

Own your own space or improve or refinance your current commercial property.

  • long-term financing
  • fixed rates
  • subject to standard underwriting, processing and documentation requirements
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U.S. SMALL BUSINESS ADMINISTRATION (SBA) LOANS

The U.S. SBA offers several loan programs for small businesses seeking financing to:

  • boost working capital
  • purchase or improve real estate
  • finance new equipment, heavy machinery, specialized equipment or other fixed assets
  • acquire a new business or franchise
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EQUIPMENT LEASING AND FINANCE

Enjoy the cash flow benefits and business flexibility of financing equipment. With no down payment requirement, you'll have more money at hand when you need it. You can finance equipment such as:

  • computers
  • manufacturing equipment
  • medical and dental equipment
  • construction machinery
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LETTERS OF CREDIT

Ideal for import businesses, Frost offers a number of Letters of Credit including:

  • Stand-by Letter of Credit
  • Commercial Letter of Credit
  • Export Letter of Credit
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ASSET-BASED LENDING & FACTORING

Turn your accounts receivables into cash using Cash Accelerator™ and:

  • finance new inventory and supplies
  • support rapid growth opportunities
  • maintain business equity without diluting ownership for working capital
  • build strong supplier relationships and establish good credit
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EXPORT-IMPORT (EXIM) FINANCING

As an Export-Import Bank of the U.S. "Delegated Authority" lender, Frost Bank can:

  • provide working capital financing to support a Texas company's international sales
  • lend 90% against a Texas company's foreign accounts receivables and 75% against export-related inventory
  • help Texas exporters by making direct loans to foreign buyers of U.S. manufactured goods (i.e. Mexican businesses)
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