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Commercial Loans

We are very proud to offer our experience in assisting small and medium sized businesses to develop and maintain a successful financial strategy. Credit, Treasury, and numerous other banking services are designed to help make your business successful.

With local roots and decision-making, Integrity Bank builds our reputation through uncompromised service and detail. We specialize in lending to small to middle market companies in the Greater Houston area; including Pasadena and The Woodlands.

Our offerings include a full line of credit products including financing for accounts receivable, inventory, equipment acquisitions, expansions, and owner occupied facilities. Our Lenders can also assist with construction or land development financing, acquisition financing, the refinance of existing properties, as well as interim and bridge financing.


Integrity Bank Lenders - Houston Branch

Charlie Phillips - Executive Vice President, 713-335-8706

Robert F. Jenkins - Senior Vice President, 713-335-8720

John Clarke - Senior Vice President, 713-335-8703

Chris Favre - Vice President, 713-808-6960

Kelley Harrison - Banking Officer, 713-808-6958

Integrity Bank Lenders - Pasadena Branch

Hazem Ahmed - Executive Vice President, 713-335-8707

Chris Springer - Banking Officer, 713-808-6952

Integrity Bank Lenders - The Woodlands Branch

James Coleman - Executive Vice President, 713-335-8745

Mike Ellzey - Vice President, 713-335-8746

Integrity Bank Lenders - Katy-Fort Bend Branch

Hal Marshall - Senior Vice President, 713-808-6974

Cindy Picazo - Senior Vice President, 832-384-8374



SBA Guaranteed Loans For Your Business

Integrity Bank is a Preferred SBA Lender

Integrity Bank SBA Lending Group can help you obtain needed financing through the Small Business Administration, SBA loans typically have longer repayment terms, require less money down and offer lower monthly payments then conventional commercial loans.

Our experienced SBA specialists have extensive knowledge of the lending process and the local marketplace. They can help save time and allow business owners to get the capital they need for:

  • The purchase, construction or expansion of owner-occupied real estate
  • Buying machinery, equipment, furniture fixtures and leasehold improvements
  • Business acquisitions or partner buy-outs
  • Debt refinancing

Allow us to help you decide which SBA program is best for your business. To request more information contact our specialist Charlie Phillips at 713-335-8706 or


SBA 7(A) Loan Program

Most for-profit small businesses are eligible for an SBA guaranteed loan. This includes manufacturers, wholesalers, retailers, service businesses, business and medical professionals, as well as franchises.

SBA 7(A) Loan Size:

  • $Zero to $5 million


  • Up to 25 years for real estate purchase
  • Up to 10 years for business acquisition
  • Up to 10 years for franchise start-ups
  • No Balloon Notes

Use of Proceeds:

  • Commercial real estate (purchase, construction, expansion or refinance)
  • Debt consolidation
  • Leasehold improvements
  • Machinery, equipment, furniture or fixtures
  • Business acquisitions
  • Start-ups (franchise, professional practice)
  • Working capital (offered in conjunction with certain other financing)

Construction Loans:

Funds can be used to cover both construction costs and certain soft costs associated with your project, including the cost of land acquisition, building construction or improvements, and fees for professional services, appraisals, title work, searches, surveys, your lender and the SBA guarantee.


SBA 504 Loan Program

Does your small business need an affordable loan guaranteed by the U.S. government? Commercial mortgage loans can benefit your business by making property ownership a reality and allowing you to use the real estate your company already owns as a resource for financing. Plus, commercial mortgage loans can be customized to meet your specific business situation.

Smart Financing for Growing Businesses:

  • Long-term loans for fixed asset projects
  • Loans from $250,000 to $12 million
  • Repayment terms of up to 20 years for real estate and 10 years for machinery and equipment
  • Competitive rates
  • Fully amortizing: no balloons
  • Low down payment

Proceeds may be used for:

  • Purchasing land and buildings
  • New construction
  • Renovation of existing facilities
  • Acquisition of new equipment