Who We Are
The South Texas Business Fund^SM (STBF) is a self-sustaining financial resource of the City of San Antonio. It is also a certified development company and a 501(c)(3) non-profit organization. As an administrator of key loan products of the U.S. Small Business Administration, it provides the administrative responsibility for its partnering banks.

STBF’s objective is to lend money to businesses, not to make a profit for itself. So it offers clients competitive rates and longer terms up to 20 years for loans on real estate and heavy equipment.

STBF is able to take a bigger risk while providing the first lien on the business to its banking partners. It also is able to increase the collateral ratio for its banking partners by subordinating its lien position and giving the bank up to 50 percent loan to value.

The South Texas Business Fund prides itself on the experience of its loan officers – former bankers with a combined lending career of more than 100 years. These financial professionals facilitate a quicker turnaround than similar lending organization. Additionally, the entire staff of STBF is committed to an outstanding level of personal service and attention to its clients and partners.

Providing loan options for businesses big and small.
The South Texas Business Fund has always recognized the diversity of small businesses and their needs. From this perspective, it offers loan products from $15,000 to more than $4 million, with longer terms and competitive fixed rates. It works closely with the U.S. Small Business Administration (SBA), the Economic Development Administration (EDA), the U.S. Department of Housing and Urban Development (HUD), and all area banks in offering various loan programs to its customers.

• SBA 504 Loan Program
  Finances major real estate and equipment projects for borrowers located within the state of Texas; loans range from $50,000 to more than $4 million. Borrowers provide a minimum 10 percent of the project cost and get loan terms of 10 to 20 years.
  
• SBA Microloan Program
  Finances loans of $15,000 to $35,000 to borrowers located within the state of Texas. Borrowers provide a minimum 10 percent of the project cost and get loan terms of one to six years.
  
• EDA Revolving Loan Fund (RLF)
  Provides working capital at fixed rates for loans from $15,000 to $200,000. Can be used for real estate or capital investments for businesses within the San Antonio city limits.
  
• Inner-City Loan Fund Program
  Provides loans to small businesses located inside Loop 1604 in San Antonio from $15,000 to $50,000.
  
• The Bill Sinkin Microloan Fund
  Developed in 2003 in honor of community advocate and former banker Bill Sinkin on his 90th birthday, this fund provides microloans to women and minority businesses located within the San Antonio city limits and with a special emphasis in the technology sector.