When you apply for a loan, the most important question being answered through the application is “are you credit worthy?” In other words, how WILLING and ABLE are you to pay back your loan.
The 5Cs are a way to determine your credit worthiness and whether you are ready for a loan. At UTB, we use the 5Cs to determine if a loan will help you start, grow or stabilize your business.

Isaac Elizondo has worked in the banking and financial services industry for over 18 years and has won several awards in retail banking for his goal setting achievements. Prior to his banking career he worked in the commercial real estate industry mostly in land acquisitions, office leasing and development. Isaac was also a small business owner for a short time in the insurance and financial advising field and later selling his company and joining one of the largest Community Development Financial Institutions in the United States as a Regional Director. He is now working with United Texas Bank promoting CRA loans, helping women, minority and low to moderate income areas seek financing through the United Texas Bank loan programs.