Capital for Texas (C4T) small business loan program

The Texas Department of Agriculture (TDA) is working with Community Development Financial Institutions (CDFI), which were selected through a competitive bid process, to lend and manage funds allocated to TDA for its Capital for Texas Program (C4T).

C4T was created as a result of an amendment to an allocation agreement to TDA by the United States Department of the Treasury (Treasury) through Treasury’s State Small Business Credit Initiative (SSBCI), as authorized by Public Law 111-240 (Act).

C4T is designed to increase rural communities small businesses’ access to capital and enable private entrepreneurs to make market-driven decisions to grow jobs, assist their growth potential and employment capabilities through partnering community development financial institutions.

This program supports TDA’s goals of empowering rural communities and cultivating winning strategies for rural Texas, by providing finance options to small businesses and manufacturers that are creditworthy, but are not getting the loans they need to expand and create jobs. TDA anticipates the actual range of loans for the C4T program will be in the range of $5,000 to $350,000, with an average investment less than $100,000.

Federal SSBCI guidelines encourage investment of the funds to benefit communities and businesses meeting certain qualifications focused in rural Texas, including but not limited to: (i) low and moderate income communities; (ii) minority communities; (iii) other underserved communities; and (iv) veteran, women and minority owned small businesses.

Rural Texas: For purposes of the C4T program, TDA defines rural communities as those not located in a Metropolitan Statistical Area (MSA).

Community Development Financial Institutions (CDFIs)

TDA is working with the following CDFI's to administer the funds of this program. Please take a moment to review each of their website to see which lender might fit your needs.

BCL of Texas

Rosa Rios Valdez
(512) 912-9884  or (888) 718-0180

LiftFund, Inc
LiftFund Customer Service
(888) 215-2373


Rocio Vallejo, Director of Lending, Education & Training
(512) 222-1011

C4T Program Contacts
Mindy Fryer
Lead Grant Coordinator
(512) 463-6908


Forms and Publications
Coming Soon
Use of Funds
The loan proceeds must be used for a “business purpose.” 

Includes, but not limited to:
  • Startup costs
  • Working Capital
  • business procurement
  • franchise fees
  • equipment
  • inventory