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Business Lending

Take your business to the next level.

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Here when you need us.

There are no one-size-fits-all solutions to help with business financing. Our experienced local bankers will take the time to get to know you and understand your needs.

Financing Solutions

We take the time to get to know your business and offer innovative solutions to achieve your goals.

Industry Expertise

Our industry experts know the market and have the authority to make final decisions to help you capitalize on business opportunities.

Strong Balance Sheet

Our strong financial position means you have greater access to capital as your business grows.

Agriculture Lending

As one of the largest Ag lenders in Texas, we are here for you. Agricultural lending is a specialized service and you need a lender who understands your needs and has the experience to help you navigate the rapidly changing economy.
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Line of Credit

Business Happy Access Line of Credit

Our line of credit provides support for your working capital needs and serves as a safety net when unexpected expenses arise. Have the flexibility you need to manage growth, seasonality or timing differences in your business.

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Business Credit Card

Business Preferred Credit Card

Our Business Preferred Point Credit Card gives your business reward points for everyday purchases. You can cash in your points for travel, cash, electronics and much, much more. Apply at any one of our Happy State Bank locations or by contacting us.

Happy is a Preferred SBA Lender

As a Preferred SBA Lender, our dedicated team can process your loan quickly. An SBA loan is one of the best ways to finance a new business, buy an existing business, expand your current operation, or make other startup/expansion purchases. To learn more, speak with one of our bankers.

Cash Management

When your business financials need a bit of guidance, we're happy to help.