Skip to content

Grow Your Business with Commercial and Industrial (C&I) Loans

You’ve turned your idea into a business. Now you’ll need money to start it—and keep it growing. Fortunately, there are more ways than ever to find the capital you need.

What Are Commercial and Industrial (C&I) Loans?

C&I loans, often called commercial loans or business loans, are loans issued to businesses (sole proprietorships, corporations, partnerships and other business enterprises) rather than an individual. C&I loans can be used to support a wide range of business needs, such as generating working capital, investing in equipment or purchasing inventory. In general, most C&I loans are short-term loans that are secured by collateral and will need to be paid off within one to two years. However, C&I loans are designed to meet the unique needs of each business and have different funding and repayment terms.

The Benefits of C&I Loans

C&I loans can get you the financing you need to grow top-line revenues. Knowing exactly how much you need and how you will use your funds will help you determine which type of credit you ultimately select. There are different loans if your priority is cash flow or if you want to invest in commercial real estate.

There are many reasons why business owners apply for credit, but one of the most important reasons is that a business loan eliminates the need to pay for company expenses using your personal funds. A C&I loan, such as a term loan or line of credit, can help you cover start-up costs, immediate equipment needs or growing pains. For example, if you’re expecting clients to pay their invoices soon, but you don’t have enough cash on hand to pay your employees, you can get a line of credit that will help you cover employee payroll until your receivables come in. Or if you’re wanting to expand by acquiring another company, a term loan can help fund that purchase.

Credit Score and C&I Loans

Your credit score plays an important role in obtaining credit for your business. It’s important to maintain a healthy score and strong credit history by paying bills on time, avoiding negative public records such as liens or collections, and minimizing debt. Keeping a positive credit history increases your eligibility for lower-interest loans. You can keep track of your credit score and monitor suspicious activity by accessing your free annual credit report.

C&I Loans for Houston Businesses

At Allegiance Bank, we specialize in supporting Houston-area businesses. Whether you need a banking partner that will help you finance top-of-the-line equipment or secure your dream retail space, we pledge to make your growth and success our biggest priority. Our C&I services include equipment financing, lines of credit and commercial real estate financing.

Ready to get started?

We are dedicated to serving businesses in the greater Houston area and surrounding counties. Talk to an Allegiance Banker about our business loan options today.

Receive News and Insights from Allegiance Bank

Stay Connected

Enter your name and email address to receive Allegiance Bank news in your inbox.

When users fill out this form, they are requesting to be added to Allegiance Bank's email distribution list.

YOU MIGHT LIKE...

Holiday Spending

Having a plan in place can help you overcome the pressure to overspend this holiday season. Here… Learn More >

Banker Spotlight: Madelyn Eudy

At Allegiance, we serve our communities and each other. In today’s banker spotlight, we recognize Madelyn Eudy,… Learn More >

Our Fight Against Fraud

Allegiance Bank is committed to protecting the Houston area and surrounding communities from fraud and identity theft.… Learn More >

Retirement Planning for Small Business Owners

As a business owner, there are many ways to save for retirement. Learn about planning for your… Learn More >

The Business Benefits of Treasury Management

Allegiance Bank provides the latest in electronic banking and Cash Management products that are used by growing… Learn More >

Allegiance Bank Customer Spotlight: Literacy Now

Literacy Now supports children and their families in at-risk situations, by working throughout Houston to bring critical… Learn More >

Five Tips for National Financial Planning Month

October is National Financial Planning Month. We’re sharing five steps you can take to improve your overall… Learn More >

Opportunities and Obstacles for Minority Entrepreneurs

Woman, minority, or veteran-owned businesses have access to many business resources and opportunities. Learn more about these… Learn More >

Banker Spotlight: Tim Kreitzer

At Allegiance, we serve our communities and each other. In today’s banker spotlight, we recognize Tim Kreitzer,… Learn More >

Announcing Business eBanking Modernization Upgrades

Our Business eBanking platform has recently upgrade to bring a new responsive design, streamlined menus and improved… Learn More >