CEN-TEX Certified Development Corporation

Varies; two tiers: up to $50,000 or $50,000+, plus SBA 504 options.

Rolling — apply any time, no set deadline.

AMOUNT

Varies; two tiers: up to $50,000 or $50,000+, plus SBA 504 options.

AMOUNT

Varies; two tiers: up to $50,000 or $50,000+, plus SBA 504 options.

DEADLINE

Rolling — apply any time, no set deadline.

DEADLINE

Rolling — apply any time, no set deadline.

FUNDING TYPE

CDFI, Loan

CAN YOU GET THIS?

Any small business or startup in Texas can apply — no specific industry or identity requirements.

BCL of Texas offers two loan tiers: up to $50,000 for smaller businesses and $50,000+ for growing businesses. They also have an SBA 504 Loan Program and a Texas Small Business Diversity Fund, suggesting multiple pathways depending on your stage and background.

YOUR REAL ODDS

Rolling applications mean no single deadline competition, but loan approval still depends on your creditworthiness and readiness.

BCL is a CDFI, meaning they are designed to lend to businesses that may not qualify through traditional banks. They offer pre-loan coaching, which suggests they work with applicants who aren't yet financing-ready.

WHAT IT TAKES

Start with a free one-on-one business consultation at bcloftexas.org — 1-2 hours
Work through any coaching or preparation steps they recommend — Days to weeks depending on readiness
Submit a loan application for the appropriate tier — 1-2 hours to complete

WORTH KNOWING

BCL explicitly works with businesses that are not yet ready for financing — their coaching program can help you qualify before you apply, which improves your odds compared to going straight to a traditional lender.

Apply on the funder’s site →

Community 1st Credit Union

Varies; loan terms depend on business type and credit profile.

Iowa-based small businesses and startups can apply for business loans through this CDFI credit union on a rolling basis.

Afena Federal Credit Union

Varies; personal and business loans from $200 up to undisclosed amounts depending on product.

Small businesses and startups in Indiana can access loans through this CDFI credit union, with no stated identity restrictions.

The Bridgeway Federal Credit Union

Varies; specific loan amounts not published.

Small businesses and startups in Alabama can apply for loans on a rolling basis through this CDFI credit union.

This is 1 of 1,600+ open opportunities.

$50B+ in available capital across grants, VC funds, CDFIs, and accelerators. Filter by your industry, stage, and region, and see everything you qualify for.

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