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Access to Capital

Access to Capital

When you're starting or growing a business you will eventually need to think about setting up a line of credit or getting a loan for working capital. The following list includes not only the traditional lenders, but also micro-lenders and alternative lenders. 

So, what is a micro-loan? Small, short-term loans to early-stage and growing small businesses. Amounts range from $500 to $50k, but the average nationwide is $13k. Money can be used for working capital, purchase of machinery and equipment, inventory and leasehold improvements. Loan terms are negotiated on a case-by-case basis.

In the alternative lender category, you'll find businesses who will loan money on your accounts receivable (also called factoring). You'll pay a higher rate, but it may be worth the cost if it means you are able to complete a project on schedule.

If you get into a situation where you need to re-structure your debt, call the SBDC. We may be able to help!

Funded in part through the State of Texas and a Cooperative Agreement with the U.S. Small Business Administration. The support given by the U.S. Small Business Administration through such funding does not constitute an expressed or implied endorsement of any of the cosponsors’ or participants’ opinions, findings, conclusions, recommendations, products or services. Reasonable accommodations for persons with disabilities or limited English proficiency will be made if requested at least two weeks in advance. Contact Texas State University SBDC by phone at 512.716.4800 or via email at