Get $5K to $5M in working capital for your Houston business. Fast approval, same-day funding, and flexible repayment options designed for the Houston market.
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Houston Small Businesses
Metro GDP
Houston is the energy capital of the world, home to more than 5,000 energy-related companies and the headquarters of over 40 Fortune 500 companies. The city's $512 billion GDP is powered by the energy sector, the Texas Medical Center (the world's largest medical complex), NASA's Johnson Space Center, and the Port of Houston (the nation's #1 port by foreign waterborne tonnage). Houston's economy has diversified significantly, with booming technology, manufacturing, and professional services sectors complementing its energy dominance.
Energy remains Houston's defining industry, with ExxonMobil, Chevron Phillips, and thousands of exploration, production, and services companies headquartered here. The Texas Medical Center is the world's largest, with 60+ institutions including MD Anderson Cancer Center (ranked #1 in oncology nationally) and Houston Methodist. NASA's Johnson Space Center drives the aerospace sector, and the Port of Houston handles more foreign tonnage than any US port. Construction and real estate are perpetual growth industries due to Houston's continuous population expansion. The tech sector is accelerating, with Houston emerging as a hub for energy tech, biotech, and AI applications.
No matter what industry you operate in across Houston, Merchant Fund Express understands the unique capital needs of your business. We have funded thousands of businesses across every sector, from Energy & Oil/Gas to Technology, providing the fast, flexible capital that Houston entrepreneurs need to compete and grow.
We provide business financing to virtually every industry in the Houston metropolitan area. Our most active sectors include:
Major employers like ExxonMobil, Phillips 66, Sysco, Halliburton, Memorial Hermann, MD Anderson Cancer Center create a thriving ecosystem of suppliers, contractors, and service providers that all need working capital to grow. Whether you serve these corporate giants or the 2.3 million residents of Houston, we have a funding solution for your business.
See how Merchant Fund Express compares to traditional Houston banks when it comes to getting the business capital you need:
| Feature | Frost Bank | Merchant Fund Express |
|---|---|---|
| Approval Time | 30-90 days | 24 hours |
| Min. Credit Score | 680+ | 500 |
| Time in Business | 2+ years | 4+ months |
| Collateral Required | Yes - property/assets | No collateral |
| Documentation | Tax returns, financials, business plan | 3 months bank statements |
| Funding Amount | $50K minimum | $5K - $5M |
| Approval Rate | ~20-30% | 95% |
| Prepayment Penalty | Often yes | Usually none |
Real Houston businesses that grew with Merchant Fund Express funding:
Completely renovated the patio for year-round outdoor dining and upgraded the kitchen. Weekend wait times went from 20 minutes to 90 minutes as word spread. Annual revenue jumped 55%.
Acquired specialized equipment for deepwater operations when traditional bank financing fell through. The investment secured a multi-year contract with a major operator worth $3 million annually.
Expanded from a single-physician practice to a multi-specialty clinic with imaging capabilities. Patient volume increased 120% and the practice now employs 22 staff members.
Texas operates under a business-friendly regulatory framework. The Texas Finance Commission and the Office of Consumer Credit Commissioner (OCCC) oversee commercial lending activities. Texas does not impose a state income tax, benefiting business owners. The Texas Finance Code governs lending practices, and the state requires licensing for certain types of commercial lenders. While Texas has fewer disclosure requirements than states like California or New York, Merchant Fund Express voluntarily provides full transparency on all financing terms to Texas business owners.
In addition to Houston, Merchant Fund Express provides business funding throughout the Houston metropolitan area including:
We serve businesses in all Houston neighborhoods including Downtown, The Heights, Montrose, Midtown, River Oaks, Galleria, EaDo, Katy, and all surrounding communities. No matter where your business is located in the Houston metro area, we can help.
Join thousands of Houston businesses funded by MFE.
Apply Now (305) 384-8391Everything you need to know about getting business funding in Houston, TX.
Speak with a funding specialist today. No obligation, no impact on your credit score.