We have an affinity for unusual deals
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Flexible,
Common Sense Underwriting
Multi-color Slinky representing Flexible Common sense underwriting.
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Deals Tailored to Your Unique Needs
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Right on the Money With Our Unique Prequalification Process
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No Fear of Commitment, We Won’t Leave You at the Altar
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Customized, NOT Cookie Cutter, Solutions

We are direct, nationwide SBA lenders offering customized loan solutions to America’s small businesses.

At Gulf Coast Small Business Lending, we think logically and move quickly while providing great terms and competitive rates to borrowers across a wide range of industries. Our highly experienced SBA lending team offers a consultative and personalized approach to deliver SBA loan solutions that are customized to your business and your unique needs. As SBA Preferred Lenders, we know the SBA loan programs inside and out – we have the necessary experience and knowledge to deliver unmatched customer service. Contact us today to put our 100+ years of combined SBA industry experience to work for you. We are NOT ordinary lenders and we are passionate about helping small businesses grow and succeed.

If you are seeking restaurant and/or franchise financing, please visit our dedicated Gulf Coast Restaurant & Franchise Finance page for specific information unique to restaurant and/or franchise finance.

Gulf Coast Small Business Lending has earned nationwide SBA Preferred Lender accreditation.  Often referred to as “PLP” (preferred lenders program), lenders that earn this status have been granted delegated authority to underwrite, process, and close SBA-guaranteed loans on behalf of the SBA.  This means that we are dedicated to serving small businesses and are recognized as specialists in SBA lending and our borrowers benefit from a much quicker overall process.  

We don’t aspire to be the biggest.  Instead, we want to remain agile and flexible so that we can deliver customized and personalized solutions.  At Gulf Coast Small Business Lending there are real people working with you – we don’t just sit in a cubicle and let a machine analyze your data and check a bunch of boxes.  It is our firm belief that small businesses and their owners are more than a collection of data points and figures.  When you apply for an SBA loan through Gulf Coast Small Business Lending, we will consider your business’s unique merits and will structure an SBA loan that is customized to meet your unique needs.  

Contact us today to learn more about SBA loans from Gulf Coast Small Business Lending.  We are here and ready to help.

Who we are…

Gulf Coast Small Business Lending is a division of Gulf Coast Bank & Trust Company.  We are direct, nationwide SBA Preferred Lenders, actively participating in the SBA 7a, SBA 504, and USDA loan programs nationwide. Our division is based in Dallas, TX and we operate loan production offices in many major U.S. markets (find a listing here: Our People). Our borrowers own a wide variety of businesses across many different industries.

SBA loans for veterans of the U.S. military:  Gulf Coast Small Business Lending thanks you for your service and to demonstrate our support we are pleased to offer veterans a special enhancement to our standard SBA loan program.  We are committed to assisting veterans by providing SBA loans to acquire, start, and/or grow your veteran-owned business.

Applying

To get started, please complete the Contact Us form and a real person will reach out to you to discuss your financing needs and assess how we can help. Our goal is to make the application process as simple and painless as possible.

Underwriting

We collect the necessary documents that will help us understand your business and your borrowing needs.  One of our experienced loan officers will work directly with you and will answer any questions you might have.  Our common-sense underwriting focuses primarily on the historical and projected cash flow of your business.

Funding

Once your loan has been approved, a dedicated Closing Specialist will work with you to arrange the funding of your loan.

Referral Partners…

Gulf Coast Small Business Lending has earned the trust of our borrowers by treating each relationship with respect and care. That same philosophy guides our approach to dealing with our referral partners. We encourage and reward referrals that come from business brokers, sell-side agents, real estate brokers, investment bankers, banks, lawyers, accountants and other sources – all of whom know they can trust us to act responsibly.  Please speak with one of our business development officers about our best-in-class Referral Fee Program which offers the opportunity for you to earn up to 2.0% with our escalating, tiered plan (with no annual reset).  We happily pay referral fees when a referred loan closes.

To learn more, please call us at 833.219.4018

Some restrictions apply, please speak with a Gulf Coast Small Business Lending representative for details. All products and services offered by Gulf Coast Small Business Lending, a division of Gulf Coast Bank & Trust Co. Nothing herein should be construed as a commitment to lend. Loans are subject to credit and collateral approval. Additional terms, restrictions and limitations may apply. Loans are only available to U.S. citizens and residents.