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 Loans for your growing business 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 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 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 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 (800) 513-7678. Get in touch Find a location