Wichita Falls, TX · Commercial loan broker
Heronbrook Financial connects Wichita Falls business owners with commercial lenders who approve files based on clear documentation, not vague promises.
Get started in Wichita Falls: share what you need to fund, we do the lender search, and you compare offers with a local advisor. No cost to apply.
Who we serve
We work with established businesses and newer ventures across Wichita Falls, Sheppard AFB, Pleasant Valley, Lakeside City, Dean, Iowa Park, and Cashion Community. Whether you operate a machine shop near the Old Jacksboro Highway corridor, a medical practice serving families in Iowa Park, or a contractor supplying services to Sheppard Air Force Base, our role is to match your file with lenders who understand your industry and can approve the structure you need. Documentation made simple means we tell you up front which bank statements, tax returns, and financial statements will move your file forward, so you spend less time guessing and more time running your company.
Most approvals hinge on three elements: trailing twelve-month cash flow, debt-service coverage above 1.25, and collateral that appraises within the lender's loan-to-value limits. We review those factors during your first call at (940) 292-3616, then build a submission package that addresses every question an underwriter will ask.
Small business loans in Wichita Falls fund everything from inventory purchases to franchise expansions. Underwriters approve files when they see consistent revenue, manageable existing debt, and owners who can document how loan proceeds will generate additional cash flow. We prepare the narrative and the numbers so your application lands on the right desk with every supporting schedule already attached. If you're a retail shop in Pleasant Valley or a logistics company near Lakeside City, the documentation requirements stay the same, but the story you tell and the collateral you pledge will differ. Our job is to translate your operations into the language lenders speak.
Loan programs
Answer Capsule: Heronbrook Financial brokers SBA 7(a) loans, equipment financing, working capital advances, commercial real estate mortgages, business lines of credit, and invoice factoring. Each program requires specific documentation: tax returns, bank statements, financial statements, and collateral appraisals that prove repayment capacity and asset coverage to satisfy underwriter guidelines.
SBA 7(a) loans cover acquisitions, real estate purchases, refinances, and long-term working capital. Underwriters approve these files when personal credit scores exceed 680, the business shows two years of profitability, and the debt-service-coverage ratio clears 1.25 after adding the new payment. We gather your last three years of business and personal tax returns, interim profit-and-loss statements, a current balance sheet, and a detailed use-of-proceeds narrative. Because SBA guidelines allow up to 90 percent loan-to-value on owner-occupied real estate, many Wichita Falls manufacturers and healthcare providers use this structure to buy their buildings outright rather than lease space along Kell Boulevard or Central Freeway.
Equipment financing funds trucks, machinery, medical devices, and technology with the equipment itself serving as collateral. Lenders approve these requests when the purchase invoice matches the loan amount, the equipment has a useful life longer than the loan term, and your trailing cash flow covers the monthly payment. We submit the vendor quote, a two-year profit-and-loss history, and proof of insurance. Approval timelines run five to seven business days for straightforward files, which matters when you need a crane on-site in Dean or a new HVAC unit installed before summer heat arrives.
Working capital loans and business lines of credit in Wichita Falls bridge the gap between payables and receivables. Underwriters fund these when your accounts-receivable aging shows collectible invoices, your inventory turns over within 90 days, and your bank statements confirm steady deposits. Lines of credit require annual renewals and often a blanket lien on business assets. We prepare a borrowing-base certificate that lists eligible receivables and inventory, so the lender knows exactly which assets back the credit line. Seasonal businesses near Sheppard AFB, like event vendors or landscaping companies, use these structures to smooth cash flow between contracts.
How it works
We start every engagement with a 15-minute call at (940) 292-3616 to review your funding goal, current revenue, and existing debt. Then we send a one-page checklist of documents: business tax returns (two or three years), personal tax returns for all owners holding 20 percent or more equity, year-to-date profit-and-loss and balance sheet, three months of business bank statements, and a brief narrative explaining how you'll use the funds and how those funds will increase cash flow.
Once we receive your documents, we underwrite the file ourselves before submitting it to any lender. That internal review catches missing signatures, unexplained deposits, or tax-return amendments that would otherwise trigger a decline. We then match your file with two or three lenders whose appetite aligns with your industry, loan size, and collateral type. You receive term sheets within seven to ten business days for most programs, and we walk you through each proposal line by line, interest structure, prepayment terms, personal-guarantee requirements, and collateral liens, so you understand what you're signing before closing.
Operating from 4102 Old Jacksboro Hwy means we understand the mix of defense-related contractors serving Sheppard Air Force Base, the oil-and-gas service companies that anchor the regional economy, and the retail and healthcare businesses that serve families in Iowa Park, Lakeside City, and Cashion Community. Lenders who fund files in North Texas recognize that Wichita Falls sits at the intersection of agriculture, energy, and military logistics, and they price risk accordingly. We know which banks will finance a truck fleet for a Dean-based hauler, which credit unions will write a line of credit for a Pleasant Valley retailer, and which SBA-preferred lenders will approve a commercial-real-estate purchase along the Central Freeway corridor.
Local knowledge also means we can meet at your business, review your operation in person, and take photographs that strengthen your submission package. A lender reviewing a machine-shop loan appreciates seeing the CNC equipment on your floor, just as a restaurant lender wants proof of your hood-suppression system and seating capacity.
Heronbrook Financial is a licensed commercial business-loan broker, not a direct lender. We earn a placement fee from the lender at closing, which means our service costs you nothing out of pocket. Our role is to prepare your file so thoroughly that underwriters have every answer they need before they ask the question. We do not set interest rates, guarantee approvals, or fund loans from our own balance sheet. Instead, we leverage relationships with dozens of banks, credit unions, and alternative lenders to find the program that fits your documentation and repayment capacity.
Because we broker loans rather than originate them, we can shop your file across multiple institutions without triggering duplicate credit inquiries or conflicting term sheets. That flexibility matters when one lender caps equipment loans at 250,000 dollars but another will go to 500,000 dollars, or when one bank requires a 20 percent down payment on commercial real estate but another accepts 10 percent within an SBA structure.
Service area
We serve Wichita Falls and surrounding areas, including Sheppard AFB, Pleasant Valley, Lakeside City, Dean, Iowa Park, and Cashion Community. If your business operates within a 30-minute drive of our Old Jacksboro Highway office, we'll meet you on-site to review your funding needs and gather documentation. For clients farther out, we coordinate by phone and secure file upload, ensuring the same thoroughness regardless of geography.
Funding programs
Backed by the U.S. Small Business Administration, these loans offer lower down payments and longer terms than conventional bank financing.
Learn moreThe most widely used SBA product — funds can go toward working capital, equipment, or buying out a Wichita Falls competitor.
Learn moreA revolving credit facility that stays available for repeat draws, so you're not reapplying every time cash gets tight.
Learn moreShort-to-medium-term funding built to smooth out payroll, supplier payments, and other recurring operating costs.
Learn moreStandard installment financing with predictable payments, sized to what your business can comfortably support.
Learn moreFast-turnaround capital, often funded within a week, for opportunities or costs that can't wait on a full underwriting cycle.
Learn moreMarket context
Whether you operate a machine shop near the Old Jacksboro Highway corridor, a medical practice serving families in Iowa Park, or a contractor supplying services to Sheppard Air Force Base, our role is to match your file with lenders who understand your industry and can approve the structure you need. Nationally, the numbers below tell a similar story:
There are more than 33 million small businesses in the United States.
SBA Office of AdvocacyMost firms that apply for financing seek $100,000 or less.
Federal Reserve Small Business Credit SurveyAbout half of applicant firms sought funds mainly to cover operating expenses.
Federal Reserve Small Business Credit SurveyNational data, reviewed 2026, figures from primary sources.
Serving the Wichita Falls area
We know which lenders fund which kinds of Wichita Falls businesses, and we position your file where it fits.
One local broker, many lenders, and no cost to apply.
What owners say
Walked us through the whole process in plain English and kept us updated.
Told us upfront what to fix before applying, which saved us a hard pull.
They explained exactly what the lender wanted before we applied, so there were no surprises.
Straight answers and no runaround. We finally understood our options.
They packaged our file properly and took it to the right people the first time.
Local, responsive, and honest about what would and wouldn't work for us.
Individual client experiences; results vary by business and program.
Common questions
Talk to a local advisor and get matched to the right program, no obligation.
Why Wichita Falls owners trust Heronbrook Financial
