Move your business forward with competitive financing for real estate, equipment, expansion, and more. We make decisions locally, for the fast answers and quick response you need.
Moody Bank has been helping Texans get the financing they need since 1907. What could the right loan help you do?Start that home improvement project you’ve been dreaming about. Consolidate debt and keep things all in one place. No matter your needs, we’re here to help you reach your financial goals.Browse our variety of loan options and reach out to one of our friendly, knowledgeable bankers if you have questions.
Purchase or build any type of commercial property, whether to use for your own business or lease out to tenants.
Access funds easily and quickly when you are looking for working capital, inventory expansion, have an emergency repair, and much more.
Expand your business, purchase assets or upgrade equipment with a tailored loan designed to fit your needs.
Enhance your purchasing power and gain access to a variety of benefits with our business credit cards
Moody Bank offers four main business lending products: Commercial Real Estate loans, Business Lines of Credit, Term Business Loans, and Business Credit Cards. Each is designed to support different stages of business growth for Texas businesses, with all lending decisions made locally. Explore Business Loans
A Moody Bank Commercial Real Estate loan can be used to purchase or build any type of commercial property —whether for your own business operations or to lease out to tenants as an investment. It features competitive rates, flexible repayment terms, and a one-time close construction loan option.
A Business Line of Credit from Moody Bank provides revolving working capital you can draw from as needed — for inventory purchases, emergency repairs, or ongoing operational expenses. You only pay interest on the funds you actually use. Because decisions are made locally, Texas businesses get faster approvals and more personalized service.
A Moody Bank Term Business Loan delivers an upfront lump sum for business expansion, asset purchases, or equipment upgrades. Borrowers can choose between fixed or variable interest rates, and the structured repayment schedule helps businesses manage their cashflow with predictability.
Yes. As a Texas community bank headquartered in Galveston, Moody Bank makes all business lending decisions locally. This means faster turnaround times and more personalized service for businesses in the Houston, Galveston, and Austin areas — without waiting on approval from out-of-state teams. Banking Tips for New Entrepreneurs
Yes. Moody Bank's Commercial Real Estate loans are available for properties you plan to occupy for your own business or lease out to tenants as an investment. The loan features competitive rates and flexible terms suited for both owner-occupied and investment commercial real estate in Texas.
Yes. Moody Bank's Term Business Loans are available with either fixed or variable interest rates. A fixed rate provides consistent monthly payments and protection against rate increases, while a variable rate may offer a lower starting cost. Contact Moody Bank at 855.259.8075 to discuss which structure fits your business plan.
A Moody Bank Business Line of Credit can be used for a wide range of working capital needs, including inventory expansion, emergency equipment repairs, seasonal cash flow gaps, payroll bridging, or general operational expenses. You draw only what you need and only pay interest on the outstanding balance.
Yes. Moody Bank offers a one-time close construction loan option for commercial real estate. This combines construction financing and permanent financing into a single loan —reducing paperwork, closing costs, and the risk of rate changes between construction completion and the permanent loan phase.
Both a Moody Bank Business Line of Credit and Business Credit Card provide flexible access to funds. A business line of credit is better suited for larger working capital needs and operational expenses. A business credit card is ideal for everyday purchases —accepted at millions of merchants worldwide — and is available in Standard or Preferred Points versions. View Business Credit Cards
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