Understanding This Customer's Business Made the Difference

Cloteal Haynes is the co-founder and CEO of Haynes-Eaglin-Waters, LLP (HEW) a generalcontracting construction firm that’s been in business for over 25 years. HEW handles general contracting for projects of up to $20 million, and subcontracts on projects up to $10 million.


HEW specializes in interior finishes for the public sector, often supplying and installing doors, frames and 

hardware. They’ve worked on some of the most visible projects in Austin, Texas including the AT&T UT Conference Center, the Frank Irwin Center, DKR Memorial Stadium and Whole Foods Corporate Headquarters.

To keep adding to this impressive resume, the team at HEW needs commercial banking for lines of credit, vehicle financing and more. 

HEW turns to Business Bank of Texas for both their financing requirements and online banking services.

Cloteal banked with a big national bank for 25 years. When D.J. Lewis, first approached her about switching banks, she was reluctant. She saw little value in making a change. As a year went by, he continued to stay in touch with her. During that year, Cloteal started to realize that the big bank was not providing her a level of customer service that fit her needs.

General contracting requires a stepped up level of working capital. Cloteal appreciated that Business Bank of Texas was able to more quickly respond to her needs than her former bank. “D.J. has a great understanding of small business and the construction industry.  He took the time to really get to know my business which was greatly appreciated.“


“Big banks seem to have cookie cutter decision trees which are often unresponsive to the needs of small Cloteal added, “Business Bank of Texas has helped HEW achieve our goals by setting up a line of credit (LOC) that provides the level of working capital that we need. During the financing process they provided us with a detailed financial assessment, and they schedule annual reviews with us to continue to provide that level of service.”businesses.

“I highly recommend other business owners check out Business Bank of Texas because their staff understands the needs of the construction industry. The corporate big banks may not give you the level of service you need.”


DJ Lewis

Business Bank of Texas

D. J. Lewis is First Sr. Vice President, Business Bank of Texas, N.A. D.J. is responsible for business development and relationship management for Business Bank of Texas, N.A. He graduated in 1993 from the University of Houston with a BBA in Accounting. While attending college he started his career in banking working at a small Savings and Loan. In 1991 that same Savings and Loan was acquired by a large national bank. Soon after the acquisition, D.J. took advantage of an opportunity to transfer to Austin where he has called home for the past 15 years. After 19 years with a large national bank D. J. was presented with another opportunity and made the decision in October 2010 to start a career with Business Bank of Texas, N.A. D. J.’s 22 years of banking experience includes 7 years in bank operations, 6 years as a Branch Manager, 6 years as a Commercial Lender, and 3 years as a SBA Lender.

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