Cullen/Frost Bank, INC. Small Business Loans

Cullen/Frost bank, INC., more commonly known as the Frost bank, is a Texas-charted bank headquartered in San Antonio, Texas. The bank has more than 12,00 automatic teller machines, 155 branches (all in Texas), and is a bank holding company. Cullen/Frost bank, INC. is one of the largest banks in the United States.

The Cullen/Frost bank, INC. also offers several types of loans, including business loans and small business loans such as SBA loans. Below we have discussed the SBA loans offered by Cullen/Frost Bank, INC.

23.SBA 7(a) Loan

24.SBA Express Line of Credit

25.SBA 504 Loan

Types of Loans offered by Cullen/Frost bank, INC.

1. SBA 7(a) Loan

2. SBA Express Line of Credit

3. SBA 504 Loan

4. Business Lines of Credit

This loan will give you the option to use funds to fulfill your business needs, such as managing cash flow and expanding your business.

5. Term Loans

Cullen/Frost bank provides the capital required by your business to buy inventory, new equipment, and commercial vehicles.

6. Owner-Occupied Real Estate

This Owner-Occupied real estate loan helps you finance real estate, where you occupy 50 % of the property.

7. Equipment Leasing and Finance

The equipment leasing and financing provided by Cullen/Frost bank, INC. offer businesses a wide array of options, as the available financing is 100 %. With the help of this loan, a business can fulfill its various requirements.

8. Letters of Credit

Cullen/Frost bank, INC. also offers a letter of credit, ideal for businesses that deal with imports.

9. Export-Import (EXIM) Finance

Cullen/Frost bank, INC is an Export-Import bank and a member of the US Delegated Authority.

Cullen/Frost bank, INC. Interests, Fees, and Loan Options

34.SBA (7A)

35.SBA/CDC 504 Loan Program

36.SBA Express Lines of Credit

37. Business Line of Credit

38.Terms Loans

39.Owner-Occupied Real Estate Loan

40.Equipment Leasing and Financing

41.Letters of Credit

42.Letters of Credit

What Lending Criteria does Cullen/Frost Bank, INC. Have?

Below is the basic lending criteria that all the banks follow:

Credit Score

Credit is the most important component of all types of businesses, whether they are small or large. Lenders will always analyze the business's credit score and then decide whether it can pay the loan or not. Therefore, the best way to maintain a healthy credit score is to pay your dues on time.

Credit scores can also be easily obtained from several agencies such as Equifax, Dun & Bradstreet, and Experian. Another way of maintaining a positive credit score is to have a low debt-to-income ratio. Lenders will not invest in businesses that don't have a good credit score.

Annual Revenue

Another important factor that the lenders will review is the annual revenue of the business. Most lenders will only lend to those businesses that have been profitable for the last two years or more. Businesses need to make sure that all the financial statements are accurate and up to date.

Lenders will also look at specific details such as the current account (current assets divided by liabilities) and ask for copies of bank statements and transactions. However, businesses will only be eligible for a loan if their cash flow is growing.

Business Plan

A minority of lenders might not ask for a business plan, but most of them do, and businesses need to come with a clear and concise proposal. Usually, lenders require the business plan to know the purpose of the loan and discuss the business's stability.

One of the main components of business plans is the resumes of managers and staff. However, despite having a clear business proposal, the lenders will still ask for proof of the staff's ability and relevant credentials and experience.


Collateral is an essential requirement, and most lenders will not provide a business loan if it cannot give collateral. Collateral can be anything like equipment or property. The collateral will also decrease the risk for the lender as it will have an asset in hand, so if the company fails to pay the loan, the collateral can be paid to fund the damages.

The owner of the company needs to provide a personal guarantee and will also need to submit some essential documents:

Time in Business

Most banks are hesitant to lend loans to new companies that have been active for just a few months. Lenders cannot trust small businesses or startups that have just entered the market because they don't have a proper credit score and the cash flow is usually unstable. Banks will most likely lend to businesses that have been active for more than two years.

Cullen/Frost Bank, INC. Application

Following is the application procedure of all the banks that borrowers have to follow:

Before you apply for a loan, ensure that all your documentation is up to date. Also, organize all the documents properly, and if some essential documents are missing, contact the relevant authorities. Collect all the financial information about your business and pay all the dues as soon as possible.

For more information, check out the website of Cullen/Frost bank, INC.

Requirements for SBA Loans

For more information on SBA loans, click here.

Summary of Cullen/Frost Bank, INC. Financial Loan Options

Cullen/Frost bank, INC. is a holding company active in Texas and has more than 155 branches. The bank also offers a wide variety of business loans and is a member of the US Delegatory Authority. Following are the loans that Cullen/Frost Bank offers, INC.

Please make sure that all your financial documents and balance sheet are up to date as the bank will review all that. If you have any outstanding debts, make sure you pay them off before signing up for the loan. If any documents are missing, inform the bank or contact the concerned authority.