BCL of Texas

BCL of Texas supports Texans to acquire wealth-building assets and entrepreneurship, with the financial tools and education necessary to build personal net worth.


The mission of BCL of Texas is Building Strong Communities.

BCL of Texas supports Texans to acquire wealth-building assets, such as homeownership and entrepreneurship, with the financial tools and education necessary to build personal net worth. With an emphasis on diversity, equity, and inclusion, we serve communities of color, women, veterans, rural communities, and low and moderate-income individuals, families, and small business owners.

We are a U.S. Treasury Certified Development Financial Institution (CDFI), a U.S. Small Business Administration Certified Development Corporation (CDC), and a HUD-certified housing counseling agency.

Our other credentials and certifications include:

  • 501c3 nonprofit organization

  • Community Development Entity (CDE)

  • HUD Secondary Finance Lender

  • Nationwide Multi-State Licensing System (NMLS) Regulated Lender

  • Office of Consumer Credit Commissioner (OCCC) Regulated Lender

  • USDA Intermediary lender

  • USDA Micro Lender

  • U.S. Small Business Administration Micro Lender

  • U.S. Small Business Administration Community Advantage (7a) Lender


Services Provided

Economic and Site Development

  • Environmental Compliance
  • Lease Review (Specialty)
  • Revitalization (Specialty)
  • Site Location Assistance
  • Tax Credits
  • Watershed Planning
  • Economic Forecast

Buying or Selling a Business

  • Purchasing or Selling an Existing Business
  • Valuation
  • Buying or Selling a Franchise (Specialty)

Business Planning

  • Business Succession Planning (Specialty)
  • Diversification (Specialty)
  • Business Plan Consulting (Specialty)
  • Feasibility Studies
  • Demographic and Census Data
  • Forming a Business (Specialty)
  • Identification and Research of Foreign Markets
  • Market Plan Development (Specialty)
  • Market Research

Financial Resources and Assistance

  • Budget, Financial Statement and Cash Flow Training (Specialty)
  • Crowdfunding
  • Trade Show Financial Assistance
  • Loans (Specialty)
  • Debt Funding (Specialty)
  • Equity Funding
  • Government Funding (Specialty)
  • Real Estate Finance (Specialty)
  • Tax Credits
  • Accounting and Bookkeeping
  • Grant Funding
  • Matching Funds
  • Revenue Based Financing (i.e. factoring)
  • Microloans (Specialty)

Human Resources, Workforce and Talent

  • Hiring and Firing
  • Apprenticeship
  • Recruiting
  • Workforce Training
  • Employee Development
  • Insurance
  • Retention
  • Policies and Templates
  • Workforce Incentives

Import and Export Assistance

  • Financial Assistance for Exporting Activities
  • Identification/Research of Foreign Markets
  • Certification and Licensing
  • Locating Foreign Distributors
  • Networking/Exploring Exporting
  • Trade Education and Training (Specialty)

Internship Programs and Student Services

  • Internship Program (Specialty)
  • Student Marketing Projects
  • Student Research Projects
  • Youth Entrepreneurship Education
  • Student Placement
  • Student Training

Legal Services

  • Contract Review
  • Environmental Compliance
  • Forming a Business
  • Lease Review
  • Patent Seminars
  • Patent, Trademark & Copyright Information
  • Employee Relations
  • Labor Relations

Management Issues

  • Human Resources (Specialty)
  • Insurance Requirements
  • Leadership/Professional Development (Specialty)
  • Recruiting Assistance

Marketing and Sales

  • Advertising/Brochure Design
  • Competitive Analysis
  • Demographics/Census Data
  • Feasibility Studies
  • Market Plan Development and Training
  • Market Research
  • Student Marketing Projects
  • Website Development


  • Formal Mentoring Programs
  • One-on-One Counseling (Specialty)
  • Peer Mentoring

Networking and Associations

  • Demographically Based
  • Geographically Based
  • Home Based
  • Industry Specific
  • International Trade
  • Small Business/General (Specialty)

Nonprofit and Social Enterprise

  • Accounting
  • Board Development
  • Funds Development
  • Human Resources
  • Organizational Audits
  • Strategic Planning (Specialty)
  • Technical Services

Product Development

  • Product Design and Development

Public Policy and Government Relations

  • African-American Business (Specialty)
  • City Business Issues
  • Hispanic Business (Specialty)
  • State Business Issues
  • LGBTQIA Business Issues
  • Native-American Business
  • Small Business Policy
  • Women’s Business Issues (Specialty)

Regulatory Compliance

  • Bonding
  • Codes
  • Environmental Compliance
  • Government Requirements
  • Insurance Requirements
  • International Regulatory Compliance
  • Patent Information
  • Registration, Licenses and Permits
  • Trademark and Copyright Information
  • Certification

Selling to the Government and Large Corporations

  • Bid Matching and Preparation (Specialty)
  • Government and Military Specifications
  • HUBZone Certification (Specialty)
  • Obtaining Certification (Specialty)
  • Obtaining Corporate Contracts
  • Obtaining Government Contracts (Specialty)
  • Price History
  • Registration Assistance
  • Selling to Foreign Governments and Businesses
  • Subcontracting Opportunities

Starting a Business

  • Business Research Resources (Specialty)
  • Feasibility Studies (Specialty)
  • Forming a Business (Specialty)
  • Home-Based Business Training (Specialty)
  • Registration, Licenses and Permits (Specialty)
  • Site Location
  • Startup Business Counseling (Specialty)
  • Startup Classes (Specialty)

Tax Services

  • State and Federal Tax Training
  • State Tax Credit Information
  • Tax Registration


  • Budget, Cash Flow and Financial Statements Training (Specialty)
  • Business Management Training (Specialty)
  • Business Plan Training and Assistance (Specialty)
  • Home-Based Business Training
  • Human Resources Training
  • Marketing Plan Training
  • Startup Classes (Specialty)

Accelerators and Incubators

  • Accelerator
  • Incubator

Events and Community Building

  • Pitch Events
  • Neighborhood Fairs and Festivals (Specialty)
Contact Information
Raquel Valdez Sanchez
400 S. Zang Blvd
Suite 1220
Dallas, TX 75208