Looking for business loans in College Station, TX? Laurelhaven Lenders is a licensed commercial loan broker at 1430 N Harvey Mitchell Pkwy, Bryan, TX 77803, College Station, TX, serving the entire Brazos Valley.
What we broker
Fast, local guidance and lender matching for College Station businesses.
Learn moreFast, local guidance and lender matching for College Station businesses.
Learn moreFast, local guidance and lender matching for College Station businesses.
Learn moreFast, local guidance and lender matching for College Station businesses.
Learn moreFast, local guidance and lender matching for College Station businesses.
Learn moreFast, local guidance and lender matching for College Station businesses.
Learn moreCollege Station sits at the heart of one of Texas's fastest-growing metros, where Aggie-fueled entrepreneurship meets ranch-country grit. From research-park startups on the west side to manufacturing shops near the Wellborn corridor, business owners here juggle growth, payroll, and inventory without the luxury of waiting weeks for loan answers. Laurelhaven Lenders understands that timeline. As a local broker, we work with multiple funding sources to match your business to the right capital structure, then walk you through every signature and schedule. Our documentation-made-simple approach means you spend less time hunting bank statements and more time running your operation.
We serve College Station, Bryan, Wellborn, Wixon Valley, Millican, Kurten, and Steep Hollow. Whether you're ten minutes south on Highway 6 or out past the Brazos County line, our team knows the landmarks, the lending landscape, and the local quirks that shape your cash-flow calendar.
SBA loans
SBA 7(a) loans offer up to 25-year terms and flexible use of funds for expansion, acquisition, working capital, or refinancing. Laurelhaven Lenders brokers these government-backed facilities through preferred lenders, assembling your business plan, tax returns, and personal financial statements into a package that meets Small Business Administration guidelines. Learn more about our SBA loan brokerage services.
The SBA 7(a) program remains the gold standard for College Station businesses ready to buy real estate on University Drive, acquire a competitor, or finance a major pivot. Because we're brokers, not captive to one bank's credit box, we can shop your file to institutions that understand Brazos Valley collateral values and seasonal revenue swings. Documentation starts with three years of returns, interim financials, a rent roll or lease, and a narrative explaining how the funds deploy. We organize every exhibit, flag missing items early, and keep your file moving so underwriters have what they need the first time.
Working capital
Working capital loans deliver short-term funds to cover payroll, inventory, or receivables gaps without pledging fixed assets. Laurelhaven Lenders brokers unsecured and secured working-capital facilities, matching your cash cycle to repayment terms that make sense. Expect streamlined documentation: recent bank statements, a profit-and-loss summary, and a brief use-of-funds memo. Explore working capital solutions.
Many College Station retailers and service companies face a summer lull when students leave, then need inventory dollars before fall rush. Working capital bridges that gap. We help you quantify the need, choose between a term note and a revolving structure, and prepare the two-page application most funders require. Turnaround can be days, not months, because working-capital underwriting focuses on cash flow and deposit behavior rather than appraisals.
Equipment financing
Equipment financing spreads the cost of machinery, vehicles, or technology over the asset's useful life, preserving operating cash. Laurelhaven Lenders brokers equipment loans and leases, handling vendor quotes, serial-number schedules, and personal-guarantee paperwork so you can close quickly. Review equipment financing options.
From dental chairs on Rock Prairie Road to dump trucks serving Bryan-College Station's construction boom, equipment financing keeps your balance sheet nimble. Lenders typically advance 80 to 100 percent of the invoice, using the equipment itself as collateral. Documentation includes the vendor quote, a two-year profit-and-loss, and a one-page credit application. We coordinate delivery timing, UCC filings, and insurance certificates so the funder disburses the day your asset arrives.
Real estate
Commercial real estate loans finance the purchase or refinance of owner-occupied or investment properties, with terms stretching ten to twenty-five years. Laurelhaven Lenders brokers these transactions for retail plazas on Texas Avenue, industrial warehouses near Wellborn, and mixed-use buildings downtown. Discover commercial real estate loan brokerage.
College Station's commercial market has tightened as the metro adds 2,000 residents a year, making ownership more attractive than signing another five-year lease. We gather your purchase contract, environmental Phase I if required, rent roll, property-tax statement, and three years of business and personal returns. Then we present the package to lenders who understand Brazos County appraisal districts and the university's economic anchor. Expect a loan-to-value conversation, a debt-service-coverage calculation, and a clear closing checklist.
A business line of credit provides revolving access to capital you draw and repay as needed, ideal for managing uneven cash flow or seizing time-sensitive opportunities. Laurelhaven Lenders brokers both secured and unsecured lines, simplifying the annual-review documentation so renewals stay on track. Compare business line of credit programs.
Lines of credit suit College Station businesses with project-based revenue or those bidding municipal contracts that pay Net-60. You'll submit recent financials, a year-end balance sheet, and accounts-receivable aging. Funders set a credit limit, charge interest only on the outstanding balance, and may require a annual clean-down period. We help you choose covenants you can meet and document patterns that justify the limit you request.
Invoice factoring
Invoice factoring converts outstanding receivables into immediate cash, advancing 70 to 90 percent within days and settling the balance when your customer pays. Laurelhaven Lenders brokers factoring relationships for College Station service contractors, staffing agencies, and B2B suppliers who can't wait Net-30 or Net-60. Learn about invoice factoring arrangements.
Factoring isn't a loan; it's a sale of receivables. Documentation centers on invoices, customer creditworthiness, and your accounts-receivable ledger. Many Brazos Valley businesses use factoring to fuel growth without adding debt to the balance sheet, especially when bidding Texas A&M or city projects that pay slowly but reliably.
Why us
Laurelhaven Lenders operates from 1430 N Harvey Mitchell Pkwy, Bryan, TX 77803, College Station, TX, right off the Harvey Mitchell corridor that links Research Park to downtown Bryan. We know the drive from Steep Hollow takes fifteen minutes in the morning, that Wellborn sits ten minutes south, and that Northgate businesses face unique seasonal swings. That local insight shapes every loan package we broker, because lenders trust brokers who understand the collateral, the market, and the story behind the numbers.
Our documentation-made-simple lens means we send you a checklist on day one, flag incomplete items before submission, and translate underwriter questions into plain English. You'll never wonder what's missing or why a file stalled. For a no-cost consultation, call (979) 300-0680. Visit our Service Areas page to confirm we cover your location, or read more on our About page.
At a glance
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why College Station owners trust Laurelhaven Lenders
