Retain more working capital and improve the cash flow of your small business.

Allegiance Bank SBA Lending

Allegiance Bank provides SBA loans through a partnership with the U.S. Small Business Administration’s 7(a), 504 and Express loan programs. These loans typically provide the business owner with financing terms not available elsewhere under conventional loan guidelines. SBA loans offer the borrower a lower equity injection (as low as 10%) and longer payment terms (up to 25 years – depending on the use of proceeds). These benefits allow the small business owner to retain more working capital and improve the cash flow of the business.

SBA loans can be used for the following:

  • Purchase, expansion or construction of an owner-occupied building
  • Equipment purchases
  • Business acquisitions
  • Partner buyouts
  • Expansion of a successful franchise to additional locations

Allegiance Bank’s SBA Lending Team has over 75 years combined experience in SBA Lending. All loan decisions and loan closings are local, which improves the SBA loan process.

In addition, Allegiance Bank SBA supports lending to Veteran business owners. Contact our SBA Department below about our "Veterans Pledge Program."

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CARES ACT: Paycheck Protection Program (PPP)

Please note that the following information is subject to change as the final version is expected from the U.S. Small Business Administration and the U.S. Department of the Treasury within two weeks.    

About the Paycheck Protection Program

As the Houston region's largest community-based SBA Lender, we are preparing to support the small business community through the CARES Act and its signature loan program, the Paycheck Protection Program (PPP). 

The Allegiance Bank SBA Department and Allegiance Bank’s 27 Bank offices in the greater Houston/Beaumont area will assist small businesses in obtaining financing through this program.

The PPP is meant to assist small businesses with support for payroll and other business-related expenses as they deal with the impacts of COVID-19.


Note:  SBA will provide additional guidance 

  • All businesses with up to 500 employees
  • Non-Profit Organizations
  • Churches
  • 501c3 Organizations that do not receive Medicaid
  • Veterans Organizations
  • Tribal Business Concern
  • Sole Proprietorships
  • Independent Contractors
  • Eligible Self-Employed Individuals

Expenses Covered

Note: SBA will provide additional guidance  

  • Payroll expenses
  • Group health insurance benefits, paid sick leave, medical and insurance premiums
  • Mortgage or rent payments
  • Utilities
  • Interest on any other debt obligations incurred before the loan period  

Note Terms

Note: SBA will provide additional guidance

  • SBA fees waived
  • No collateral
  • No personal guarantee
  • If you maintain employment for the covered period, your loan balance will be forgiven
  • Loan amounts not forgiven, can be paid over 10 years with an interest of no more than 4%

Next Steps

Please contact your loan/relationship officer, administrative assistant or bank office staff member and let them know of your interest in the PPP loan. If you are a non-customer and know a loan/relationship officer, please feel free to contact them or call 281-894-3200.

Otherwise, please click on the "Contact Us" button below and we will reply directly to your inquiry.

Contact Us About SBA Lending

Interested in learning more or ready to get started? Let's start a conversation; we'd love to hear about your needs and talk through how we can help.  


Allegiance Bank

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