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Industry Expertise. Insightful Advisors. Relationship Focused:

Houston Commercial & Industrial Banking

Competitive rates, fast approval

We know you have many banking options, which is why our team is skilled in helping you find the right lending solution at a favorable commercial loan rate. And our streamlined application and approval process connects you with funding quickly.

Wide range of commercial loan products and services

Working Capital Loans

Feel secure in your day-to-day operations by covering your short-term needs with a working capital loan.

Commercial Lines of Credit

Meet short-term working capital needs with a commercial line of credit from Cadence Bank. This expanded funding can also help you prepare for seasonal fluctuations.

Business Acquisition Financing

Back your company’s acquisitions and growth opportunities with immediate transaction financing.

Commercial Equipment Loans

Support your operating cash flow when purchasing, replacing or upgrading equipment.

Syndicated Finance

If you’re a multi-bank borrower, we can provide a tailored syndicated finance solution that meets your goals.

Derivatives and Swaps

Manage interest rate risks through derivatives and swaps. We can create a custom derivative solution that minimizes your exposure to commercial loan rate fluctuations.

Contact Us Today

Let's discuss your commercial lending needs and how we can be your strategic growth partner.

Strategic insights to help your business grow

This won’t be a transactional commercial banking relationship; it’ll be a strategic relationship. We’re here to connect you with commercial loans that support the long-term growth of your business and working capital solutions that drive efficiencies.

Additional Commercial Solutions

Treasury Management

Increase working capital efficiencies with our Receivables Management, Payables Management & Information Reporting solutions.

More Treasury Management Solutions

Foreign Exchange

Navigate the global markets with an array of foreign exchange services available 24/7 through our partnerships in New York, London, Tokyo and Hong Kong.

Take Advantage of Our Foreign Exchange Partners

Commercial Institutional Trusts

Improve account efficiency, reduce costs, better leverage assets and simplify asset management.

Start the Conversation With Our Trust Team

Compare Our Services

Use this chart to help you compare Cadence Bank’s commercial banking solutions to those of other banks.

Use This Chart to Help You Compare

Meet Our Team


Barry Kelly

With a distinguished banking career of over 35 years in the Houston market, Barry joined Cadence as the Executive Vice President and Texas Corporate Executive for the Commercial and Industrial Lending team. Before joining Cadence, Barry led the Texas C&I and Energy platforms for Regions Bank in Texas. He is a graduate of Mississippi State University and currently serves as the acting Finance Director for the YES Prep Public School Board in Houston. Over the years, he has been actively involved in several organizations including St. Thomas Preparatory High School, St. Vincent de Paul School, and playing an active role in youth sports.

Barry Kelly
Senior Executive Group Manager
Gale Smith

Gale joined Cadence Bank in 2011 as Executive Group Manager for Commercial and Industrial Lending and manages a team of bankers responsible for growing and maintaining portfolios for middle market companies located primarily in the southeastern United States. Current industrial clients have a primary focus on manufacturing, service and distribution. Gale grew up in Odessa Texas and has been living in Houston since 1985. He has 32 years of experience in commercial banking and 4 years working with a public consolidator of electrical contractors in mergers and acquisitions. Gale received his degree in Finance from Texas Tech University.

Gale Smith
Executive Vice President, Group Manager
Taylor Ducoff

Taylor joined Cadence in 2013 and has worked with the Commercial and Industrial team for 7 years. Taylor is responsible for managing and growing a portfolio comprised primarily of lower middle market privately owned businesses. Clients he serves are primarily industrial services companies that span all industries outside of oilfield services and commercial real estate. Financing within the portfolio includes working capital, growth capital, syndications, and acquisition financing. Taylor is a native of Houston and received his B.B.A in Management with a concentration in Finance from Houston Baptist University. He is currently a board member of the WorkFaith Connection.

Taylor Ducoff
Senior Vice President
Rachel Heath

Since joining Cadence in 2013, Rachel has been a part of the Commercial and Industrial Lending team for the past 7 years. Rachel is responsible for managing and growing a portfolio comprised primarily of private equity backed businesses in the lower middle market. Customers span all industries outside of energy services, and commercial real estate. Financing within the portfolio includes working capital, growth capital and acquisition financing. Rachel received her B.B.A in Finance from Mays School of Business at Texas A&M University.

Rachel Heath
Senior Vice President

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