6 min read
Business Loans in Dallas, TX: Working Capital & Equipment Financing Guide
By Christopher Chavez, Founder — Northwood Capital Group
Dallas–Fort Worth adds jobs and new businesses faster than almost any metro in the country — and growth eats cash. Whether you're a Frisco contractor buying a skid steer or a Garland manufacturer covering a big order, the right Dallas business loan keeps you moving.
Types of business loans in Dallas
| Loan type | Use | Approval | Term |
|---|---|---|---|
| Equipment financing | Machines, trucks, tools | 24–48 hours | 24–72 months |
| Line of credit | Ongoing cash flow | 1–3 days | Revolving |
| Bank term loan | Expansion, hiring | 1–2 weeks | 1–5 years |
| SBA 7(a) | Real estate, large projects | 3–8 weeks | Up to 10–25 years |
| Credit card split funding | Retail & restaurants | 1–3 days | Repaid from card sales |
Dallas industries we fund
- Construction — DFW's homebuilding and commercial boom; see Dallas construction equipment financing
- Trucking & logistics — I-35/I-20 distribution corridors; see commercial truck financing
- Manufacturing — see manufacturing equipment financing
- Landscaping — year-round Texas demand; see landscaping equipment financing
What you need to apply
- Four months of business bank statements (PDF)
- 6+ months in business (startups considered for equipment)
- Owner credit — many programs from 550+
- Equipment sales quote, for equipment financing
For SBA options specifically, see SBA loans.
Get your Dallas business loan
Northwood Capital Group funds Dallas, Fort Worth, and all of Texas — decisions in 24–48 hours, no upfront fees. Apply online or call (714) 679-8886.