FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Personal & Business Lending
Lending That Builds Communities Forward.
From your first vehicle to your next development project — Unity National Bank offers a full suite of loan products built around how our community grows.
Loan Options for Everyone
Whether you are a small business owner financing equipment, a developer breaking ground, or a family planning a major purchase, our experienced lending team designs financing around your goals. Talk with a Unity National Bank lender to find the right fit for where you are — and where you are headed next.
Personal Lending
Personal financing for the vehicles and moments that matter to families in our community.
Auto, truck, motorcycle, RV, boat, and classic car financing with terms built around the vehicle and your budget.
- New vehicles: terms up to 72 months
- Up to 100% financing for qualified borrowers
- Classic cars, RVs, and boats all covered
- Floating or fixed rate options
Secured and unsecured personal installment loans for life’s planned and unplanned moments — from consolidating debt to funding a major purchase.
- Unsecured up to 24 months, no collateral required
- Secured options available for lower rates
- Predictable monthly payments
- Personal service from a local banker
Business Lending
Capital to launch, operate, and grow — from SBA programs to lines of credit and equipment financing.
Government-backed financing that helps small businesses launch, grow, and operate — with lower equity and longer terms than conventional loans.
- SBA 7(a), 504, and Working Capital lines
- Lower down payments and longer amortizations
- For acquisition, real estate, equipment, or working capital
- SBA lenders who guide you start to finish
Working capital that’s ready when your business is — guidance lines, revolving lines, and non-revolving facilities structured to your cash flow.
- Revolving lines to draw, repay, and redraw
- Guidance and non-revolving options
- Typically one-year terms with annual renewal
- Secured by accounts receivable and inventory
Financing for the machinery and equipment your business runs on, with payments structured around the asset’s useful life.
- Terms up to five years
- Secured by the equipment purchased
- Floating or fixed rate options
- For businesses across a wide range of industries
Acquisition, refinance, or renovation financing for experienced hotel and motel operators — typically through SBA 7(a) or 504.
- Underwritten on ADR, occupancy, and RevPAR
- Franchise-affiliated and select independent properties
- Feasibility review for new construction
- For owners with proven management experience
Lending for faith-based organizations building facilities, assisting communities, or expanding outreach.
- Financing for church facilities and expansion
- Community assistance and outreach projects
- Structured around your congregation’s goals
Real Estate & Construction
Financing for property owners, builders, and developers — from land through construction to long-term hold.
Purchase, refinance, or long-term hold financing for income-producing and owner-occupied commercial property.
- Terms up to 5 years, amortized up to 25
- Office, retail, industrial, multifamily, and special-use
- Underwritten on the property’s cash flow
- Local decision-making from a Houston-area bank
Financing for experienced developers building or substantially renovating commercial projects in our market area.
- Terms typically up to 18 months, interest-only
- Managed draw process with third-party inspections
- Built-in budget contingencies
- Pre-leasing or pre-sale matched to the project
Construction financing for experienced local builders of one- to four-family residential properties.
- Terms up to 12 months, interest-only
- Spec and custom home financing
- Managed draws with inspections and retainage
- Local lender presence throughout the project
Financing to turn raw or partially improved land into finished, build-ready lots, structured to your lot release schedule.
- Terms up to 24 months, interest-only
- Curtailments tied to projected lot sales
- Single- and multi-phase structures
- For a clear develop-and-sell plan within two years
Financing to purchase raw, unimproved land and position for future development, sale, or financing.
- Terms up to 5 years
- Amortization on a 10-year schedule
- Secured by the land being purchased
- For buyers with a clear plan within ten years
Financing for residential lots and multi-acreage parcels — to build, hold, or transition into a construction loan.
- Terms up to 5 years
- Amortization on a 10-year schedule
- Single lots or larger acreage tracts
- A natural first step toward construction
Not sure which loan is the right fit?
Tell us a little about what you’re financing and a Unity National Bank lender will help you find it — no obligation.
How to Apply
A straightforward path, with a Unity National Bank lender beside you at every step.
1
Connect with a lender
Reach a Unity National Bank lender by phone, email, or in branch — or send the inquiry below and we’ll reach out to you.
2
Submit your documents
Send your application and supporting documents. We’ll guide you through every step and let you know what’s needed.
3
Review, finalize, close
We’ll review with you, finalize your terms, and close your loan.
What you'll generally need to apply
- Personal financial statement
- Personal tax returns (last 2–3 years)
- Business financial statements & tax returns (if applicable)
- Description of loan purpose & use of funds
- Government-issued photo ID
- Property, project, or collateral details (for secured loans)
Each loan lists its specific requirements above. Your lender will confirm exactly what applies.
Questions?
Thank you for choosing Unity National Bank for your lending needs. To reach a lender, please call 713-387-7400, option 5 or email: loanapply@unitybanktexas.com. A member of our lending team will follow up with you to discuss your request and, if appropriate, schedule an appointment.
Talk to a Unity National Bank Lender
Tell us a little about what you’re financing and a member of our lending team will reach out to get you started — no obligation.
Submitting this form does not constitute a loan application. Subject to credit approval.
