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Texas Small Business Credit Initiative (TSBCI) is sponsored by Office of the Texas Governor / U.S. Department of the Treasury. The Texas Small Business Credit Initiative (TSBCI) seeks to foster small business development and job creation by enhancing access to capital.
This program focuses on providing resources for small businesses, with a particular emphasis on helping traditionally underserved businesses and those affected by the COVID-19 pandemic. Small businesses obtain funding through loans from financial institutions, and TSBCI works with financial institutions to support this process.
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Texas Small Business Credit Initiative Texas Small Business Credit Initiative (TSBCI) The TSBCI Program supports small business growth and helps create new jobs through increased access to small business funding. The program assists all small businesses but focuses on traditionally marginalized and those that have been impacted by the COVID-19 pandemic.
TSBCI is administered by EDT’s Economic Development Finance Division, within the Office of the Governor, on behalf of the U.S. Department of the Treasury. The Texas Small Business Credit Initiative (TSBCI) Program web portal is open for applications from financial institutions interested in participating.
As financial institutions are accepted into the program, they will be added to the list of approved financial institutions that eligible small businesses should contact for loan application details. Through participating financial institutions, Texas administers two TSBCI Programs: the Capital Access Program (CAP) and the Loan Guarantee Program (LGP) .
The CAP provides matching portfolio insurance premium payments to a loan loss reserve (LLR) account created for each participating financial institution. The more loans a lender makes, the more coverage the lender has in the LLR. If a loan is charged-off, the lender can recover up to 100% of the charged-off principal.
By reducing the lender’s portfolio risk, the program provides financial institutions the additional assurance needed to extend loans to small business that otherwise face challenges in accessing capital. Loans of $5,000 up to $5 million may be enrolled in the CAP. The LGP provides guarantees of up to 80% of unpaid principal on enrolled loans.
By providing loan guarantees, the program provides financial institutions the additional assurance needed to extend loans to small business that otherwise face challenges in accessing capital. Loans of $5,000 up to $20 million may be enrolled in the LGP. Financial institutions interested in participating in the TSBCI Programs may apply through the TSBCI Portal linked below.
Socially and Economically Disadvantaged Individuals (SEDI), Very Small Businesses (VSB) and other small business owners should contact their preferred lender to encourage enrollment in TSBCI Programs as a participating financial institution.
Eligibility for Small Businesses Financial institutions may enroll loans from borrowers that meet the following criteria: Very Small Businesses (fewer than 10 employees) and Small Businesses (fewer than 500 employees). These eligible small businesses must also be for-profit organizations, domiciled in Texas and have a minimum of 51% of their employees currently located in Texas.
Eligible small businesses should contact an approved financial institution for loan application details or contact their preferred lender to encourage enrollment in TSBCI Programs as a participating financial institution.
List of Approved Financial Institutions Capital Access Program Fact Sheet Capital Access Program Fact Sheet (Spanish) Loan Guarantee Program Fact Sheet Loan Guarantee Program Fact Sheet (Spanish) TSBCI Administrative Rules Application for Financial Institutions It's now easier to apply!
Financial institutions interested in participating in the TSBCI Program may navigate the simplified application process by launching the TSBCI Portal linked below. For more information about the federal SSBCI program, please visit the U.S. Department of the Treasury’s website. Additional guidance, forms and other resources related to Texas' TSBCI Programs will be posted to this webpage as details become available.
According to the current listing, eligibility includes: Texas-based small businesses (or at least 51% of employees in Texas) with fewer than 500 employees. Focus on helping traditionally underserved businesses. Confirm the full requirements in the official notice before applying.
The current listing shows more than $472 million allocated to Texas to operate two programs (Capital Access Program and Loan Guarantee Program). Verify award ceilings, matching requirements, and allowable costs in the official notice.
Texas Small Business Credit Initiative (TSBCI) is funded by Office of the Texas Governor / U.S. Department of the Treasury. Verify program details on the funder's official page before applying.
This opportunity targets applicants in Texas. If your organization operates elsewhere, check the official notice for location requirements.
Applications go through the funder's official portal — the Apply Now link on this page goes there directly.
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