Business Loan Program

Texas Mezzanine Fund delivers flexible financing to growth-focused businesses located in distressed or low-to-moderate-income (LMI) communities—or those generating jobs for LMI individuals—funding expansion, equipment acquisitions, business purchases, working capital, and owner-occupied real estate projects.

Loan Guidelines

Eligibility: Growth-oriented businesses (manufacturing, distribution, service, retail, etc.) with a minimum of 2 years of operations; located in or serving eligible CDFI investment areas, or creation/retention of living wage jobs for LMI persons

Use of Funds:

  • Working Capital

  • Equipment

  • Business Acquisition

  • Owner-Occupied Real Estate

  • Bridge Loans for SBA 504 Interim Construction & Reimbursement Grants

Loan Amounts: $100,000 to $2,000,000 (varies by collateral type and lien position)

  • Up to $500,000 loan in tandem with another lender (e.g., banks, non-bank lenders, CDFIs, CDCs)

  • Up to $500,000 if collateralized by real estate

  • New Equipment (1st Lien) → Up to $2,000,000 with TMF in first lien position secured by new equipment (up to 90% LTV in most cases)

  • New Equipment (2nd Lien) → Up to $500,000 with TMF in second lien position  secured by equipment (up to 85% LTV in most cases)

Loan Application Checklist

Financial Documents

  • Business Financials (2-3 years) - including balance sheet, income statement, and cover letter, if statements are CPA-prepared

  • Business Tax Returns (2-3 years)

  • Business Debt Schedule - list all existing business debt, including capital leases

  • Interim Business Financials - dated within the past 90 days

Operational Documents

  • Business Plan

  • Corporate Entity Documents

Guarantor Documents
Each Principal, owning 20% or more of the business, needs to complete.

  • Personal Financial Statement(s)

  • Personal Tax Return(s) (3 years) - complete with all supporting schedules

Additional Documents

  • Use of Loan Proceeds Documentation

  • Collateral Documentation - purchase invoices, title information

Downloadable Forms

The forms below must be completed separately for each personal guarantor.

 

APPLICATION DISCLAIMER

Please Note: Submission of a loan application to Texas Mezzanine Fund (TMF) does not guarantee approval or funding. Non-refundable application fees may be required as part of the underwriting process. This fee covers administrative costs associated with processing and evaluating your application. Payment of such fees does not obligate TMF to approve any loan request, nor does it constitute a commitment to lend. Texas Mezzanine Fund reserves the right to adjust fee structures or application requirements at its discretion and without prior notice. Applicants are encouraged to contact TMF directly for current rates, eligibility criteria, and further guidance before submission. If submitting by mail, please send your documentation to:

Texas Mezzanine Fund, Inc.
320 South R.L. Thornton Freeway, Suite 110
Dallas, Texas 75203