Small business loans + lines of credit

Growth capital built for the next stage of business.

IV Community Capital provides $50,000–$250,000 through term loans and lines of credit for established Texas businesses ready to expand, invest, and manage working capital with confidence.

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Choose a structure that fits
Use a term loan for a defined growth investment or a line of credit for flexible working capital.

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Invest in expansion
Finance equipment, inventory, hiring, new locations, marketing, or operating capacity.

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Plan around cash flow
Structure capital around the business’s use of funds, timing, and repayment capacity.

Apply for capital →Talk with our team →
Who it fits

Built for established businesses with traction and a credible growth plan.

  • Texas-based, for-profit business with operating history
  • Demonstrated revenue and repayment capacity
  • Clear use of funds and growth plan
  • Reliable financial reporting and business banking history
  • Experienced management and operational readiness

Loan structure and final terms are based on underwriting and business performance.

How it works

A clear path from interest to financing.

Our team will assess the growth need, review cash flow, and help determine whether a term loan or line of credit is the better fit.

1

Share your need

Complete the Capital Interest Form with your business, funding need, and timing.

2

Talk with our team

We assess business performance, clarify the use of funds, and identify readiness gaps.

3

Underwrite & structure

We review cash flow and shape terms around repayment capacity, risk, and growth.

4

Close & grow

Approved capital is documented and funded, with ongoing support available.

Prepare for the conversation

Common documents

Recent business tax returns · Year-to-date profit & loss and balance sheet · Business bank statements · Debt schedule · Ownership documents · Financial projections and use-of-funds plan, when applicable

Your next move

Ready to fund what’s next?

Tell us where the business is today, what opportunity is in front of you, and what capital would make possible.