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    Affordable financing for
    Texas small businesses

    Funding business dreams,
    revitalizing communities

    Connect with a Local Lender
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    Who We Serve in Texas

    Since 2015, DreamSpring has been a dedicated partner to entrepreneurs in the Lone Star State, where small business is truly "big business." From the high-energy tech corridors of Austin and the international trade hubs of Houston to the historic streets of Fort Worth and Dallas, we provide the capital and mentorship that turn vision into reality. 

    We're proud to support underserved borrowers, nonprofit organizations, and small businesses in every corner of the state — whether you’re launching a startup in El Paso or growing a legacy brand in East Texas. Our mission is to make sure all Texans have the resources they need to thrive. 

    Micro and Small Businesses
    Startup Businesses
    Nonprofit Organizations
    Solo Entrepreneurs

    Serving the unique needs of Texas

    Many Texas entrepreneurs struggle to find affordable financing, especially for small businesses in startup or growth modes.
    Challenge in Texas

    Limited access to fair, affordable credit

    Our Repsonse

    Flexible terms from local lenders who understand your goals

    Challenge in Texas

    Fewer financial resources in rural and underserved areas

    Our response

    Community-based lending with free technical assistance

    Challenge in Texas

    Limited options for startup and growth

    Our response

    Working capital, equipment loans, and lines of credit

    DreamSpring Businesss Loans in Texas

    Loan options and services may vary by location to meet local business needs. 

    Power Line of Credit

    $1,000 to $100,000

    This loan is best for...

    Entrepreneurs looking for a flexible line of credit to support their business.

    LEARN MORE

    Small Business Loan

    $1,000 to $250,000+

    This loan is best for...

    Entrepreneurs who need customized funding to start or grow their business.

    LEARN MORE

    Ready, Set, Grow! Loan

    Up to $15,000

    This loan is best for...

    Entrepreneurs who want to turn a passion project or side hustle into a full-fledged small business.

    LEARN MORE

    SBA Community Advantage 7(a) Loan

    $50,000 to $350,000

    This loan is best for...

    Small business owners with larger capital needs, backed by the U.S. Small Business Administration (SBA).

    LEARN MORE

    Commercial Real Estate Loan

    $50,000 to $2,000,000

    This loan is best for...

    Experienced entrepreneurs looking to purchase a physical location for their business.

    LEARN MORE

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    Texas dreams come true

    Customer Photo of Margo Jordan

    Margo Jordan

    Owner of Enrichly in Houston, Texas

    Read Story >
    Customer Photo of Kelsie Jones

    Kelsie Jones

    Owner of Moonstone Baking Company in Austin, Texas

    Read Story >
    Customer Photo of Barbara Oldums

    Barbara Oldums

    Owner of Industrial Solutions Company in Arlington, Texas

    Read Story >

    How to start a business in Texas

    Step 1: Register your business entity.
    Step 2: Get your federal tax ID (EIN).

    • Secure your 9-digit EIN from the IRS. This is required for most banking and hiring needs.

    Step 3: Apply for a sales tax permit.
    Step 4: Verify licensing requirements.
    Step 5: Secure funding and resources with DreamSpring.
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    99.8% of businesses in Texas are small businesses!

    How do I apply?

    Let's get started.

    You can start our online loan application from your computer or mobile device. From there, you’ll share information about you and your small business. Based on the information you share, we’ll provide a decision with rates, terms, and details. You can finalize the loan process and sign your loan documents online. We’ll then send the money you need for your business!

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    What documents are required for a DreamSpring loan application?

    Getting ready to apply? Depending on the amount you're requesting, we'll need different documents to complete your loan application. Check out the lists below to prepare ahead of time. If you have questions or want to connect with a lender, we're happy to help. Contact us!

    For loan requests up to $14,999 — we’ll need:

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf. 

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    For loan requests $15,000 to $49,999 — we’ll need: 

    •  A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Your most recent year of personal and business tax returns

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    For loan requests $50,000 to $99,999  — we’ll need:   

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Two of your most recent years of personal and business tax returns

    • A personal financial statement

    • A business balance sheet

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    • If your business has been open for less than two years: a formal business plan with three years of financial projections

    For loan requests above $100,000 — we’ll need:   

    • A valid photo ID (driver’s license or government-issued ID)

    • A selfie photo of you holding your ID

    • Your three to six most recent months of bank statements (personal, plus business if applicable) shared through Plaid, a free and secure service that connects to your bank on your behalf.

    • A business profit and loss statement

    • Three of your most recent years of personal and business tax returns (if applicable)

    • A personal financial statement

    • A business balance sheet

    • If your address doesn’t match your ID or bank statement: address verification, such as a utility bill or lease/mortgage statement

    • If you have wage income: your two most recent paystubs

    • If your business carries debt not reflected in your other documents: a business debt schedule

    • If your business has been open for less than two years: a formal business plan with three years of financial projections

    Texas resources and partnerships

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    Attend a workshop, apply for grants, and find organizations in New Mexico that are invested in seeing your business succeed.

    Get in touch!

    A DreamMaker is ready to help.