Make a big decision for your small business
Take advantage of local financing with rates and terms that give business dreams a solid foundation.
Benefits You’ll Love
- Fund several different business needs with ease
- Choose from various lending options
- Select a repayment term that best fits you
- Expedite the process with fast, decision-making and processing
Texas Champion Bank believes in supporting our communities and the small businesses that help them thrive. Whatever your small business financing needs, we have the resources through the U. S. Small Business Administration's various loan programs.
Texas Champion Bank is an active participant in the U. S. Small Business Administration's 7(a) Government Guaranteed Lending Programs as well as the SBA 504 Economic Development Loan Program. The Bank is a designated SBA Preferred Lender and utilizes the SBA Express loan program, which allows the bank to offer expedited loan processing. Additionally, we offer SBA Export Working Capital loans and SBA Cap Line.
Today SBA loans are one of the fastest growing financial products and are being used by some of the most sophisticated and flourishing businesses.
Our small business team has over 50 years’ combined experience in small business lending. Drop by a local branch and meet our Team!
- Competitive rates for a wide range of business needs:
- Commercial real estate purchase
- Construction
- Business acquisition or expansion
- Equipment/inventory purchase
- Working capital
- And more
- A wide range of lending options available
- Generally lower down payments and extended terms
- Quick, local decision-making and processing
- Attentive, friendly service from start to finish
Texas Champion Bank offers solutions to your small business needs for a short-term working capital line of credit, long-term permanent financing for real estate or equipment acquisitions, or long-term working capital needs.
Use of Proceeds:
- Provide short-term or long-term working capital
- Purchase equipment, inventory, or supplies
- Provide tenant finish out funds
- Purchase or refinance real estate
- Construct a new building or renovate an existing building
- Establish a new business or expansion of an existing business
- Refinance existing business debt (under certain conditions)
Terms:
- Up to 25 years for real estate financing
- Up to 10 years for equipment or business acquisition financing
- Up to 10 years for long-term working capital
- Loan Amounts from $25,000 to $5,000,000
This program offers long-term, fixed rate permanent financing for up to 90% of total project costs for a variety of purposes.
Use of Proceeds:
- Real estate acquisition or construction
- Heavy-Duty Equipment Acquisition
- Refinance of existing debt with expansion
Terms of up to 25 years. Rate determined at time of SBA debenture sale. Contact the SBA Department for complete details.
Your small business can benefit from the flexible repayment terms offered through the SBA, allowing you to focus on your business.
Use this calculator to determine your projected earnings from our Champion Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total interest earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit
| Term | Minimum to open & obtain APY | Interest Rate | *APY |
|---|---|---|---|
| 30 to 59 Days | $1,000 to $97,999 | 1.00% | 1.00% |
| 60 to 89 Days | $1,000 to $97,999 | 1.00% | 1.00% |
| 90 to 119 Days | $1,000 to $97,999 | 1.00% | 1.00% |
| 120 to 179 Days | $1,000 to $97,999 | 1.00% | 1.00% |
| 180 to 364 Days | $1,000 to $97,999 | 3.25% | 3.28% |
| 365 Days | $1,000 to $97,999 | 3.50% | 3.50% |
| 18 Months | $1,000 to $97,999 | 3.50% | 3.47% |
| 24 Months | $1,000 to $97,999 | 3.50% | 3.44% |
| 30 to 59 Days | $98,000 and OVER | 1.00% | 1.00% |
| 60 to 89 Days | $98,000 and OVER | 1.00% | 1.00% |
| 90 to 119 Days | $98,000 and OVER | 1.00% | 1.00% |
| 120 to 179 Days | $98,000 and OVER | 1.00% | 1.00% |
| 180 to 364 Days | $98,000 and OVER | 3.40% | 3.43% |
| 365 Days | $98,000 and OVER | 3.50% | 3.50% |
| 18 Months | $98,000 and OVER | 3.50% | 3.47% |
| 24 Months | $98,000 and OVER | 3.50% | 3.44% |
| 13 Months | $100,000 and OVER | 4.00% | 3.99% |
Rates effective as of 9/24/24.
*ANNUAL PERCENTAGE YIELD
SUBSTANTIAL PENALTY FOR EARLY WITHDRAWAL
INTEREST RATES SUBJECT TO CHANGE WITHOUT NOTICE
ACCOUNT FEES MAY REDUCE EARNINGS
Champion Cash*
| Balance | Rate | APY |
|---|---|---|
| 0 - $50,000 | 5.00% | 5.00% |
| $50,000+ | 0.25% | 5.00% to 0.25% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Earning the full rewards is so easy, you're probably already doing it! Enrollments must be in place and all of the following transactions and activities must post and settle to your Champion Cash account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or ACH credit
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month.
Champion Saver*
| Balance | Rate | APY |
|---|---|---|
| 0 - $100,000 | 1.98% | 2.00% |
| $100,000+ | 0.25% | 2.00% to 0.83% |
| All balances if qualifications not met | 0.05% | 0.05% |
Qualifications
Qualifying for Champion Cash or Cash Back rewards automatically qualifies you for the highest Champion Saver rate too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Champion Cash or Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH payment, or ACH credit
- At least 12 debit card purchases
- Be enrolled in and agree to receive e-statements
It's no problem if you miss a qualification cycle. Both accounts are still free. And you can get back to earning rewards the very next month you qualify.