Capital for Texas operators
from the Permian to the Piney Woods.

Texas runs the second-largest state economy in the country and is the fastest-growing big economy in the United States by net migration and gross product. The state's mix is uniquely deep: an energy complex centered on the Permian Basin, a healthcare anchor in the Texas Medical Center, a national logistics corridor along I-35 and I-10, a tech and creative economy in Austin and increasingly in the Metroplex, a defense and aerospace base from Fort Worth through El Paso, and a small-business backbone in every metro that quietly drives the headline growth numbers. Banks, by structure, cannot move at the pace Texas operators move. Goliath was built to.

Our Texas pipeline reaches every region of the state. The Houston metro and the broader Gulf Coast bring us deal flow from the Energy Corridor through downtown and out to the port and the chemical complex on the Houston Ship Channel. The Dallas-Fort Worth Metroplex covers Dallas, Fort Worth, Plano, Frisco, Arlington, and Irving, plus the broader North Texas region. San Antonio and South Texas extend through the Hill Country and down to the Rio Grande Valley. Central Texas covers Austin, Round Rock, Georgetown, and the I-35 corridor. West Texas brings us deal flow from El Paso, Midland, Odessa, Lubbock, Amarillo, and the Permian Basin. East Texas, the Piney Woods, and the Gulf Coast round out a state that is genuinely continental in scale.

The bank-lending coverage gap in Texas

Texas has one of the most active banking sectors in the country and yet the small-business credit gap is wider than people expect. Community-bank consolidation has thinned the field outside the major metros, and the surviving regional and national institutions structurally favor commercial real estate, oil and gas reserve lending, and high-net-worth lending over the $50K to $500K working-capital tickets that Texas small businesses actually need. The result: a Beaumont contractor, a Lubbock restaurant group, an Edinburg medical practice, a Conroe trucking outfit — strong, deposit-rich businesses — frequently cannot get a timely yes from a bank. We fill that gap.

We are deposit-based underwriters. We read your four most recent months of business bank statements, your ledger, and how you actually operate the company. We do not require two years of tax returns, audited financials, or a 720 FICO. That approach is well-matched to the Texas mix because it accommodates the cash-heavy taqueria, the receivable-heavy oilfield service company, the credit-card-heavy Austin restaurant, and the project-based Metroplex contractor on the same underwriting bench. We routinely fund operators in their first year as long as deposit patterns support the offer.

The Texas industry mix, the way we see it

Energy and energy-adjacent services anchor the West Texas and Houston portions of our book — oilfield services, water haulers, frac sand and proppant logistics, downhole and chemical services, and the long tail of supply businesses. Healthcare is the second pillar, anchored by the Texas Medical Center in Houston and the UT system across the state. Construction and the trades ride Texas's permanent housing and infrastructure build cycle. Trucking and logistics tied to the Port of Houston, the BNSF and Union Pacific networks, and the I-35 NAFTA corridor are a major slice. Restaurants, hospitality, professional services, retail, and Austin's tech and creative economy round out the top.

Texas is best understood as several regional economies stitched together by I-35, I-10, and the energy complex. Below is how the major metros break down in our book.

Houston

Houston is the largest single Texas market in our book. The industry mix is anchored by energy headquarters and services in the Energy Corridor, the Texas Medical Center's healthcare ecosystem (the largest in the world), the Port of Houston and the Ship Channel chemical complex, and a deep contractor and trade base riding the metro's permanent build cycle. We fund operators in Midtown, the Heights, Montrose, the Galleria, Sugar Land, the Woodlands, Pearland, and out through Katy and Spring.

Dallas-Fort Worth

The Metroplex combines Dallas's financial-services and corporate-headquarters economy with Fort Worth's logistics, aerospace, and energy-services base into one of the largest small-business markets in the country. We fund operators in Uptown, Deep Ellum, Plano, Frisco, McKinney, the Stockyards, Sundance Square, Arlington, and Irving. Industry mix runs from restaurants and hospitality through healthcare, contractor services, and the long tail of professional and B2B services orbiting major corporate employers.

San Antonio

San Antonio anchors South Texas and is one of the fastest-growing major metros in the country. The economy mixes a deep healthcare and bioscience base, a meaningful military and defense presence around Joint Base San Antonio, a hospitality and tourism engine driven by the River Walk and the Alamo, and a deepening contractor and trade base. We fund operators across downtown, the Pearl District, Stone Oak, the Medical Center area, and out through New Braunfels and the I-35 corridor toward Austin.

Austin and Central Texas

Austin's economy combines a venture-funded technology layer with one of the densest restaurant, music, and hospitality markets in the country. Beyond tech, we fund operators in Downtown, South Congress, East Austin, the Domain, Round Rock, Georgetown, and out through the Hill Country. Industry mix includes restaurants and bars, hospitality, contractor services riding Austin's permanent housing build, healthcare practices, and the long tail of professional services orbiting major tech employers.

El Paso and Far West Texas

El Paso is the largest US city on the Mexican border and a major logistics, manufacturing, and military hub. We fund operators tied to the Bridge of the Americas and Ysleta crossings, the maquiladora-driven cross-border manufacturing supply chain, Fort Bliss-adjacent service businesses, and the restaurant and retail mix that drives the metro's day-to-day economy. The broader Far West Texas region extends through Midland and Odessa into the Permian Basin's oilfield-services economy.

Corpus Christi and the Gulf Coast

Corpus Christi anchors the South Texas Gulf Coast and is a major energy export, refining, and petrochemical hub built around the Port of Corpus Christi (the largest US crude export gateway). We fund operators tied to port logistics, refining and petrochemical services, the deepening tourism and hospitality economy on Padre Island and Mustang Island, and the contractor and trade base riding the region's industrial expansion.